NPA Identification for Term Loans, CC and OD Accounts

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NPA Identification for Term Loans, CC and OD Accounts - Article

This article explains how to identify NPAs in term loans, Cash Credit and Overdraft accounts under current RBI norms. It focuses on overdue ageing, the 90-day rule, day-end classification, “out of order” tests, drawing power issues, borrower-wise classification and upgradation through practical CAIIB case situations and common exam traps.

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