NPA / Risk

Asset classification, provision, concentration

Standard (0 DPD)

Stage 1

0.3% of book

SMA (1-90 DPD)

Stage 2

5,670

31.4% of book · Watch

NPA (90+ DPD)

High

12,357

68.3% of book

Estimated provision

14.43Cr

15.80% of book

How is the loan book classified?

0.3% standard · 31.4% SMA · 68.3% NPA

Asset classification

Count by DPD bucket

Provision estimate

Standard 0.4% · SMA 5% · NPA 25%

Where is risk concentrated?

Top 10 branches by overdue amount

Top 10 branches by OD amount

Concentration risk indicator

Gold loan LTV risk

4,306 loans (97.7%) above RBI 75% ceiling

Gold loan LTV split

Total: 4,407 loans

Amount at risk

₹ Cr above RBI 75% ceiling

Branch concentration

10 rows

Branch↓	Region	Loans	Disbursed (Cr)	OD (Cr)	OD %
PONNURUNNI	KERALA	236	₹3.50	₹0.82	24.2%
PL-RAMANATTUKARA	KOZHIKODE	1,611	₹5.21	₹0.08	2.6%
PL-PERAMBRA	KOZHIKODE	1,302	₹4.25	₹0.32	14.9%
PL-KUTTIYADI	KOZHIKODE	1,328	₹3.78	₹0.05	1.9%
PL-KODUVALLY	KOZHIKODE	954	₹3.25	₹0.36	21.7%
PL-ENGAPUZHA	KOZHIKODE	1,130	₹3.44	₹0.21	10.8%
PL-EDAVANNA	KOZHIKODE	553	₹1.70	₹0.41	41.0%
PL-BALUSSERY	KOZHIKODE	1,776	₹5.97	₹0.56	18.6%
PL-AMBALLUR	KOZHIKODE	915	₹2.77	₹0.16	9.5%
NILAMBUR MFI	KOZHIKODE	48	₹0.13	₹0.12	217.1%

Recommendations

⚠ Escalate

12,357 loans (68.3%) are 90+ DPD. Segment by branch. Escalate accounts 180+ DPD to legal recovery. Intensify field follow-up for 31-90 DPD buckets.

⚡ Provision

Estimated provision: ₹14.43 Cr (15.8% of book). Verify against audited provision. If actual provision is lower, may need top-up.

ℹ Gold LTV

4,306 gold loans (98%) above RBI 75% LTV ceiling. Verify gold valuation rate in the core banking system. Likely stale: revalue to current market.

✓ Monitor

Standard loans (54) are performing. Maintain collection cadence. Review SMA (1-90 DPD) bucket monthly for early warning signals.