NPA Classification
Asset Period Cumulative period Provision
Standard 3 months 3 months 0.40%
Sub standard 12 minths 3 - 15 months 15 %+10% of sec
shortfall
Doubtful 1 12 months 15 -27 months 25 %+100% of sec
shortfall
Doubtful 2 24 months 27-51 months 40 %+100% of sec
shortfall
Doubtful 3 After 24 months After 51 months 100 %+100% of sec
shortfall
Loss Declared Declared 100 %