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NPA (Causes (Unemployment -wrt edu loans, Natural Causes - Draught,Flood,…
NPA
Causes
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Natural Causes - Draught,Flood, Failure of monsoon,etc
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Solutions
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National Financial Reporting Authority, under Co., Act - in place of ICAI
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Stressed asset Fund - It is a fund which invites investors to pool their money together and buy bad loans from banks.
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TERMS
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Stressed Assets (accounts where principal or interest payment is overdue for more than 30 days or accounts showing signs of incipient stress) - NPA + Restructured assets+ written-off assets
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NPA - Loans/advances for which Principal/IPs remain overdue for more than 90 days/ 2 harvest seasons.