Penal Charges Applicable

@for (opt of yesNoOptions; track opt) { {{ opt }} }

Penal Rate (% p.a.)

Applied On

@for (opt of appliedOnOptions; track opt.id) { {{ opt.label }} }

Penal Grace Days

RBI: penal charges are kept separate from interest, never capitalised, and shown in the Key Fact Statement.

Delinquency Bucket (SMA)

— None — @for (bucket of delinquencyBucketOptions; track bucket.id) { {{ bucket.name }} }

SMA 0–30 / 31–60 / 61–90

SMA Counting Starts After (months)

{{ isAdvanceAccount ? 'Advances: from disbursement (default 9)' : 'Loans: first EMI due (default 1)' }}

In-Arrears Tolerance (₹)

Small balance ignored for arrears

SMA-0 · 1–30 days SMA-1 · 31–60 days SMA-2 · 61–90 days

NPA After (days overdue)

NPA Trigger

@for (opt of npaTriggerOptions; track opt.id) { {{ opt.label }} }

Interest after NPA

@for (opt of interestAfterNpaOptions; track opt.id) { {{ opt.label }} }

@if (isRevolvingSubType) {

NPA Out-of-Order Basis (CC/OD)

@for (opt of npaOutOfOrderBasisOptions; track opt.id) { {{ opt.label }} }

Stock Statement Validity (days)

Older statement + drawings 90 days = NPA

} @if (isKccSubType) {

Crop Duration (KCC)

@for (opt of cropDurationOptions; track opt.id) { {{ opt.label }} }

}

Upgrade from NPA only when all arrears are cleared @if (isDepositBacked) { Keep standard while the pledged deposit fully covers the dues }