Free NPA Classifier
for NBFCs & UCBs

Classify any advance as Standard, Sub-standard, Doubtful, or Loss per RBI IRACP norms. Get entity-specific provisioning rates. All computation stays in your browser.

CRAR Calculator →

Classification scale:StandardSub-standardDoubtful D1Doubtful D2Doubtful D3Loss

Step 1 — Entity Type

Urban Co-operative Banks — RBI IRACP norms (2022)

Step 2 — Advance Details

Type of Advance

Principal or interest overdue for 90+ days

Days Past Due (DPD)

NPA trigger for Term Loan: 90 DPD

Classify as Loss Asset

Internal/external auditor has identified it as uncollectable

Step 3 — Provisioning Inputs

Security Type

Years in Doubtful Category (if applicable)

Only applies if advance is NPA for 12+ months

Outstanding Loan Amount (₹ Lakhs) — Optional

Enter to compute required provision amount

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Classification appears here

Select entity type, enter DPD, and click Classify to get your NPA classification and provisioning rate.

Full Compliance Assessment

Beyond NPA — your full compliance picture

NPA classification is one part of RBI compliance. StayComplied maps all your obligations — CRAR, KYC, frauds reporting, cyber security, board composition, and more.