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What does mean the word ?NPA? in Banking Sector
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Answer / mohammed nawaz
Bank Assets are classified into two categories
1) Performing assets 2) Non performing assets
1)Peforming assets:
Performing assets are those assets on which INTEREST/INSTALMENTS are correctly paid by the customer within prescribed time.
2)Non performing assets:
Non performing assets are those assets on which INTEREST/INSTALMENTS have not been paid for a period of more than 90 days.
further the banks are classified based on provisioning into followings:
Standard assets - Performing assets
Sub-standard assets - non performing assets for a - period upto 1 year
Doubtful assets - Non performing assets for a - period of 1 - 3 years
loss assets - Assets which have been considered bad by manager,auditor or officer of RBI.
For further details mail me at mohammednawaz_ca@yahoo.com
| Is This Answer Correct ? | 10 Yes | 1 No |
Answer / rohit patidar
NPA IS THAT CALLED NON PERFORMING ASSETS ARE A BANK A/C AMOUNT WHICH ARE NOT RECOVERD BY DEBT
| Is This Answer Correct ? | 2 Yes | 0 No |
Answer / seema
NPA is the amount which remain unpaid during the period and
a 90 days notification is to be given.If in that period
amount not recoveredor no nterest is to be paid then after
90 days period it becomes NPA.
| Is This Answer Correct ? | 2 Yes | 0 No |
Answer / ajinkya ghole
principal and interest ovredue more than 90 days then the
account need to be classfied as an npa
| Is This Answer Correct ? | 3 Yes | 2 No |
Answer / zahoor ahmad malik
Non performong assests are those assests which do not
generate any interest on the debit given to a party or any
person who became an insolvant so the person who had took
the loan from a bank does not repay the interest and the
debt in his account becomes non performing asset as such
asset are idle assets for the bank.
| Is This Answer Correct ? | 1 Yes | 0 No |
Answer / shivendra mishra
Non performing assets for banks are bad debts,recievable
interest and all those assets for which they are creditor.
Note- that amaunt of cash is also NPA which is being used
for day to day transection. becoz that amount is non
performing till it is not invested..
| Is This Answer Correct ? | 2 Yes | 2 No |
Answer / parikshit.
N.P.A. ( Non performing Assets ) it is a loan that will not
recovered from the customer within given period of time.
| Is This Answer Correct ? | 2 Yes | 2 No |
Answer / raj
any installment of loan which not returned even 90 days after the due date cosiderd non performing asset.
| Is This Answer Correct ? | 1 Yes | 1 No |
Answer / loknth sahoo, corporation bank
Basic defination of NPA : Non-performing assets is an assets which stop earning to the bank and in turns make loss to the bank. Bank has to make necessary provision depends on security available and also keeping in view the time involves. This assets ultimately liability to the bank over a period of time.
| Is This Answer Correct ? | 0 Yes | 0 No |
Answer / srinivas m
non performing assets of banks.IT MEANS IF ANY BANK GIVES LOAN TO THE CUSTOMERS.IF THE
INTEREST FOR THAT LOAN IS NOT PAID BY THE CUSTOMER TILL 90
DAYS THEN THAT ACCOUNT IS CALLED AS NPA ACCOUNT.
| Is This Answer Correct ? | 0 Yes | 0 No |
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