CREDIT DESK
Professional credit analysis calculators
NPA Provisioning Calculator
Required provisions per RBI IRAC norms — Standard through Loss asset classifications
Account Details
₹ CroreAsset Classification
RBI IRAC Provisioning Rates
| Classification | Secured | Unsecured |
|---|---|---|
| Sub-standard | 15% | 25% |
| Doubtful – D1 | 25% | 100% |
| Doubtful – D2 | 40% | 100% |
| Doubtful – D3 | 100% | 100% |
| Loss | 100% | 100% |
Classification
Sub-standard
NPA < 12 months
Enter the outstanding loan amount to see provisioning requirements