NPA MANAGEMENT-ACTION TO BE TAKEN FOR RECOVERY/UPGRADATION
Name of the report Column to be verified
S.No.
1. AGL accounts sanctioned up to
30.04.2016
2. CCOD accounts with DP less than
sanction limit.
3. CCOD accounts - Limit expiring on
or before 31.10.2018.
4 CKCC, JLG, RMG, CRPLN accounts
with outstanding balance of
Rs.1000/- and below.
5 Crop loans sanctioned up to
31.03.2016.
6 Housing loans - Interest Demand
effective date up to 31.10.2018.
Action to be taken
Date of sanction 1.Recover the a/cs disb upto
30.9.2015 immediately.
2.Recover the a/cs disb from
1.10.2015 to 31.10.2015 by
31.10.2018
3.Recover the a/cs disb from
1.11.2015 to 30.4.2016 by
30.11.2018
DP and Sanction limit Verify whether D.P. and sanction
limit are correct. If necessary
modify through ACLHM menu
Limit expiry date 1.Renew all the a/cs that are due
up to 30.9.2018 immediately.
2.Take steps for renewal of a/cs
due between 1.10.2018 and
31.10.2018 as and when the a/cs
fell due
Outstanding balance 1.Verify the status of the a/cs.
2.a)If a/c status is NPA close the
a/cs by collecting the due amount
or by transferring the credit
balance to the respective SB a/cs.
b)If the a/c status is PA and the
amount is disbursed upto
31.3.2016 recover/renew the a/cs
immediately.
Limit sanction date 1.Recover/renew immediately all
the a/cs that are
a)disbursed upto 30.9.2015,
b)with o/s balance in debit
c) not renewed/recovered as on
today.
2.Recover/renew all the a/cs
disbursed from 1.10.2015 to
31.3.2016 by 31.10.2018
3.Close the a/c if another loan
account is opened and amount is
disbursed through the new a/c
Interest demand In case of a/cs with yearly
effective date instalment
a) If the demand effective
date is 30.9.2018 ,
change the interest
demand effective date in
S option to next
instalment payment date.
b) If the demand effective
date is between 1.10.2018
to 31.10.2018 change the
demand effective date in S
option to next instalment
date on the succeeding date
of current instalment date.
7 Housing loan accounts details like
scheme code, San Date, Limit
expiry date etc
8 Term loans (Other than housing
loans) details like scheme code,
San date, limit
expiry date etc.
9 Subsidy linked loan accounts with
gap in account open date and
amount disburse
date.
10 Loans disbursed to existing NPA
borrowers.
OD balance, flows, 1.Verify that the details in the
flow amount, flow mentioned columns are correct or
frequency, flow start not. If data in any column is
date wrong inform the same to your
Regional Office for guidance.
2.Recover the OD amount
immediately.
OD balance, flows, 1.Verify that the details in the
flow amount, flow mentioned columns are correct or
frequency, flow start not. If data in any column is
date wrong inform the same to your
Regional Office for guidance.
2.Recover the OD amount
immediately.
Limit sanction date If the flow start date is to be
and disbursed date changed according to the
disbursed date, seek guidance
from R.O. for rectification.
Column No.I 1.Recover the existing NPA
(existing NPA a/c ) account immediately
and J (existing npa 2. upgrade the percolated account
date) (mentioned in Column E)to PA
only after recovering the existing
NPA a/c.