Category: Banking
NPA classified as substandard for 12 months or more.
Provisioning rises to 25-100% depending on age and security. By the time an asset reaches doubtful classification, the bank is typically actively pursuing SARFAESI auction; reserve prices may be more aggressive (lower) to clear the asset.
Need broader context? Read our pillar guides for in-depth coverage of SARFAESI, DRT, NCLT, EMD, title due diligence, and financing.
