Classification for provisioning of NPA for the year ending 31.03.14Particular Amount of overdue

As on 31.03.141 Agriculture Loan Principal InterestA Overdue below one year 6.54 3.41 9 22.40 2.24

B 11.61 6.38 10 23.00 2.30

C 4.07 3.45 5 6.75 1.35

D 7.82 6.88 2 6.00 1.80

E Overdue Exceeding 6 year 1.71 1.91 6 6.48 3.242 Allied ActivitiesA Overdue below 6 month 12.35 6.81 50 191.70 19.17B 19.68 10.58 55 202.20 20.22

C 22.25 17.86 28 47.45 9.49

D 20.46 17.21 17 28.50 8.55

E Overdue Exceeding 6 year 2.87 3.41 5 9.45 4.733 NFS LoanA Overdue below 90 days 0.65 0.26 6 8.20 0.82B 3.68 1.62 11 13.70 1.37

C 1.28 1.15 2 4.49 0.90

D 0.30 0.28 1 0.98 0.29

E Overdue Exceeding 6 year 0.18 0.29 1 0.48 0.244 Personal LoanB

C

D 2 6.22 1.87

E Overdue Exceeding 6 yearTotal (1+2+3+4) 115.45 81.50 210 578.00 78.58

ParticularLoan outstanding as on 31.03.14 1736.49

A Standard Assets out of loan 0.25% 1158.5 2.89Outstanding as on 31.03.14

B 10% 461.17 46.12C Doubtful Assets1 Doubtful assets above 3 yr to 4 yr 20% 58.7 11.742 Doubtful assets above 4yr to 6yr 30% 41.70 12.513 Doubtful assets above 6 years 50% 16.42 8.21 Loss Assets 100%

Total 81.47Particular Amt.

NPA Pro. Req. 81.4742.45

Balance 39.02

The KARTARPUR Primary Co Op Agri. Dev. Bank Ltd Kartarpur

Sr No

No of defaulter

Amount of loan

outstanding

NPA PROV.

Overdue above one year up to 3 year

Overdue above 3 year and not exceeding 4 years

Overdue above 4 year and not exceeding 6YR

Overdue above 6 month and up to 3 year

Overdue above 3 year and not exceeding 4yr

Overdue above 4 yr and not exceeding 6yr

Overdue above 90 days and up to 3 year

Overdue above 3 year and not exceeding 4 years

Overdue above 4 year and not exceeding 6 years

Overdue above 6 month and up to 3 year

Overdue above 3 year and not exceeding 4yr

Overdue above 4 yr and not exceeding 6yr

Percentage as per Norms

Loan Outstandin

g

NPA provision

Sub Standard Assets out of loan outstanding as on 31.03.14

Pro already made

MANAGER PADB KARTARPUR

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