The KARTARPUR Primary Co Op Agri. Dev.

Bank Ltd Kartarpur

Classification for provisioning of NPA for the year ending 31.03.14
Sr
Particular
Amount of overdue
No of Amount of NPA
No
defaulter
loan
PROV.
As on 31.03.14
outstanding
1
Agriculture Loan
Principal
Interest
A Overdue below one year
6.54
3.41
9
22.40
2.24
B

Overdue above one year

up to 3 year

11.61

6.38

10

23.00

2.30

C Overdue above 3 year and

not exceeding 4 years

4.07

3.45

6.75

1.35

D Overdue above 4 year and

not exceeding 6YR

7.82

6.88

6.00

1.80

E Overdue Exceeding 6 year

2
Allied Activities
A Overdue below 6 month
B Overdue above 6 month
and up to 3 year
C Overdue above 3 year and
not exceeding 4yr

1.71

1.91

6.48

3.24

12.35
19.68

6.81
10.58

50
55

191.70
202.20

20.22

22.25

17.86

28

47.45

9.49

Overdue above 4 yr and

not exceeding 6yr
Overdue Exceeding 6 year
NFS Loan
Overdue below 90 days
Overdue above 90 days
and up to 3 year
Overdue above 3 year and
not exceeding 4 years

20.46

17.21

17

28.50

8.55

2.87

3.41

9.45

4.73

0.65
3.68

0.26
1.62

6
11

8.20
13.70

0.82
1.37

1.28

1.15

4.49

0.90

D Overdue above 4 year and

not exceeding 6 years

0.30

0.28

0.98

0.29

E Overdue Exceeding 6 year

0.18

0.29

0.48

0.24

6.22

1.87

210

578.00

78.58

E
3
A
B
C

Personal Loan
Overdue above 6 month
and up to 3 year
C Overdue above 3 year and
not exceeding 4yr
D Overdue above 4 yr and
not exceeding 6yr

19.17

4
B

E Overdue Exceeding 6 year

Total (1+2+3+4)

A
B
C
1
2
3

115.45

Particular
Loan outstanding as on 31.03.14
Standard Assets out of loan
Outstanding as on 31.03.14
Sub Standard Assets out of loan
outstanding
as Assets
on 31.03.14
Doubtful
Doubtful assets above 3 yr to 4 yr
Doubtful assets above 4yr to 6yr
Doubtful assets above 6 years
Loss Assets
Total

81.50

Percentage as per
Loan
Norms
Outstandin

NPA
provision

0.25%

1736.49
g
1158.5

10%

461.17

46.12

20%
30%
50%

58.7
41.70
16.42

11.74
12.51
8.21

2.89

100%
Particular
NPA Pro. Req.
Pro already
made
Balance

81.47
Amt.
81.47
42.45
39.02

MANAGER
PADB KARTARPUR