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Portfolio Performance

updated 2nd March 2020

What is an NPA (Non-Performing Asset)?

Financial Institutions that lend or disburse loans to borrowers will mark loans as Non-Performing Assets (NPA) after 90 days of non-payment of interest or principal by the borrower. This can happen during the tenure of the loan or at maturity, if the borrower fails to pay the principal due.

Our NPA Ratio (updated on March 2nd 2020)


This is calculated as a ratio between Total Principal Outstanding of loans overdue for more than 90 days to Total Amount of Loans disbursed on Cashkumar

Outstanding Dues (updated on March 2nd 2020)

Bucket Percentage
0-29 days 0.87%
30-59 days 0.24%
60-89 days 0.60%
90-179 days 1.39%
180+ days 3.68%

The Portfolio Performance has not been updated for April/May 2020 due to the RBI Moratorium policy. A few borrowers on Cashkumar have availed loan moratorium and the portfolio numbers may appear skewed. The next update is scheduled for June 2020.