An NPA is a loan or advance where the borrower has stopped repaying—either the principal, interest, or both—for a specific period.

1. Borrower’s financial distress. 2. Mismanagement of funds. 3. Economic downturns or external     factors.

1. Substandard Assets: Overdue for     less than 12 months. 2. Doubtful Assets: Overdue for     more than 12 months. 3. Loss Assets: Loans unlikely to be     recovered.

1. NPAs impact: 2. Bank profitability. 3. Lending capacity. 4. Overall economy.

1. Strong credit assessment. 2. Monitoring borrower activities. 3. Restructuring loans for     struggling borrowers.

1. Debt recovery tribunals: Legal    resolution. 2. Loan restructuring: Adjust     payment terms. 3. Asset reconstruction companies:     Buy NPAs to recover funds.

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