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hello students welcome to study iq we will continue our discussion on economy we are in the module banking okay so actually we have talked about npas different classification of npas so in this session we are actually going to talk about the various schemes to reduce nps okay now ive already discussed with you the problem with respect to nps and various classification of npa for example what do you mean by npa default of more than 91 days okay 91 days or more default on a loan with respect to the payment of principal or you know interest if there is a default for 91 days or more that is considered as npa so more than 91 days default okay so that is your that is what considered as npa now what are the different types of nps we have discussed uh substandard assets first one so substandard assets so we have discussed about substandard assets in that i have told you if a bank loan remains npa for less than one year that means it is closed 90 days it is default for more than 90 days so mor
