Portfolio Performance

updated 2nd December 2018

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 December 2nd 2018)


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

NPA Categorization (updated on December 2nd 2018)

Bucket Percentage
0-29 days 0.80%
30-59 days 1.28%
60-89 days 0.51%
90-179 days 1.05%
180+ days 2.87%