Loan Delinquency & NPA Lifecycle

DPD ageing from Current through SMA buckets to NPA, with cure and workout branches

Loan Delinquency & NPA Lifecycle DPD ageing from Current through SMA buckets to NPA, with cure and workout branches 01 / DPD ageing 02 / Cure + workout 03 / Outcomes Current · 0 DPD · DPD ageing · standard 01 Current 0 DPD standard DPD 1-30 · SMA-0 watch · DPD ageing · standard 02 DPD 1-30 SMA-0 watch standard DPD 31-60 · SMA-1 · DPD ageing · special 03 DPD 31-60 SMA-1 special DPD 61-90 · SMA-2 · DPD ageing · special 04 DPD 61-90 SMA-2 special 90+ DPD · NPA sub-standard · DPD ageing · non-performing 05 90+ DPD NPA sub-standard non-performing Cured · all arrears cleared · Cure + workout · roll-back Cured all arrears cleared roll-back Restructured · new schedule · Cure + workout · workout Restructured new schedule workout arrears cleared workout Legend active state waiting terminal success failure / exit

Bucket transitions

  • • DPD counts from the oldest unpaid installment
  • • Time rolls forward Current to NPA
  • • Boundaries live in a table, not in code

Cure logic

  • • Full cure needs all arrears cleared
  • • NPA upgrade waits out a probation window
  • • Restructure is a workout, not a cure

Provisioning

  • • Each state carries a provision rate
  • • Every transition posts a balanced journal
  • • Cure emits a provision write-back

Lifecycle diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • T theme • E export