|
Asset
Classification
|
Period
as NPA
|
Current
provisioning (%)
|
Revised
accelerated provisioning (%)
|
|
Sub- standard
(secured) |
Up
to 6 months
|
15
|
No
change
|
|
6
months to 1 year
|
15
|
25
|
|
|
Sub-standard
(unsecured ab-initio) |
Up
to 6 months
|
25 (other than infrastructure
loans)
|
25
|
|
20 (infrastructure loans)
|
|||
|
6
months to 1 year
|
25 (other than infrastructure
loans)
|
40
|
|
|
20 (infrastructure loans)
|
|||
|
Doubtful I
|
2nd
year
|
25 (secured portion)
|
40
(secured portion)
|
|
100 (unsecured portion)
|
100
(unsecured portion)
|
||
|
Doubtful II
|
3rd
& 4th year
|
40 (secured portion)
|
100
for both secured and unsecured portions
|
|
100 (unsecured portion)
|
|||
|
Doubtful III
|
5th
year onwards
|
100
|
100
|
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