Loan Classifications and Provisioning (Based on BRPD Circulars) Types of classification: 1.Standard(STD) 2.Special Mention Account (SMA) 03. Substandard(SS) 04.Doubtful(DF) 05.Bad/Loss Classification Criteria: For Cottage, Micro and Small: In months Types of Loan SMA SS DF BL Demand & Continuous Loan 2 6 18 30 Term Loan 8 12 24 36 For all other loans and advances except Cottage, Micro and Small: In months Types of Loan SMA SS DF BL Demand & Continuous Loan 2 3 9 12 Term Loan 8 9 15 18 Provisioning CL Status ST Agri Credit Consumer financing other than HF LP
A Banker's Learning Portal
Comments
Post a Comment