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Good Loans And Bad Loans: All About NPA Management
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4h 4m

Learn how banks monitor their loan accounts and how they manage bad loans.

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Course Skill Level
Time Estimate
4h 4m


Hi, Zenith Academics is a platform engaged in preparing engaging online courses in diverse subjects with a student bias. We strive to achieve a multidisciplinary approach in learning and provide engaging online courses in psychology, banking, finance, law, technology, language, etc. to reach a vast multitude of students worldwide. We engage domain experts to create courses as per student needs. We have created multiple courses on Psychotherapies and Finance & Banking. The courses on psychother

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About This Course

Who this course is for:

  • Students of CA/CS/CMA/CFA/MBA and Commerce
  • Bank Managers and Credit Officers
  • Professionals engaged in Banking Audit like Audit Executives, Audit Clerks and Concurrent Auditors
  • Any beginner who is interested to know the subject

What you’ll learn: 

  • Learn in-depth about NPA Management
  • Learn how to identify a bad loan and how banks manage their bad loans
  • Learn how banks make provisions on risky loans
  • Learn why banks write off bad loans and when the loans are waived off
  • Learn how banks monitor their loan accounts
  • Learn how banks identify fund diversion and fund siphoning by unscrupulous borrowers.
  • Learn about Agriculture loans and about NPAs in Agriculture loans 
  • Learn peculiar characteristics of cash credit and overdraft loans 
  • Learn about Date of Commencement of Commercial Operations (DCCO) for Project Loans and its NPA norms


  • No prior knowledge is required to take this course

Banks provide loans for their sustenance from public money and make all-out efforts to keep the loans healthy. But monitoring the loan portfolio is an uphill task for any bank. The health of the loans keeps fluctuating from Good to Bad in a never-ending cycle. The bad loans are called Non-Performing Assets (NPA) or Non-Performing Loans (NPL). Therefore, the study of NPA or NPL Management is compulsory in all professional courses.

Courses like CAIIB, CA, CS, CMA, CFA, and MBA courses have a fair degree of depth, depending on their orientation. Even commerce courses and those preparing for civil services and other competitive examinations are required to know the concepts to a large extent. The subject is vast and complex. To add to the woes of the student community, the Central Bank’s circulars and Government notifications are worded in technical jargon, which makes understanding difficult.

This course decodes the subject succinctly with a clear and concise explanation. Stress has been given to the core concepts before moving on to details. The Concepts have been correlated with appropriate case studies and practical problems. The course will immensely benefit the student community and working professionals alike. The course will also benefit any beginner who is not aware of the subject. It has been designed to suit students at the beginner to advanced levels.

Our Promise to You

By the end of this course, you will have learned NPA Management.

10 Day Money Back Guarantee. If you are unsatisfied for any reason, simply contact us and we’ll give you a full refund. No questions asked.

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Course Curriculum

Section 1 - Course Introduction
Course Outline 00:00:00
Reference Materials 00:00:00
Section 2 - Latent Risks In Banking Model
Latent Risks In Banking Model 00:00:00
Section 3 - Introduction To NPA Management
Accounting Dilemma 00:00:00
Past Experience By Banks 00:00:00
Prudential Norms 00:00:00
Credit Monitoring 00:00:00
Twin Balance Sheet And Security Mapping 00:00:00
Section 4 - Impact Of NPAs
Impact Of NPAs In Banks 00:00:00
Section 5 - Causes Of NPA
Diversion And Siphoning Of Banks Funds 00:00:00
External Reasons For NPAs 00:00:00
Borrower’s Business Factors Leading To NPASs 00:00:00
Bank Related Factors Leading To NPAs 00:00:00
Summary Points And Study Group Report On NPAs 00:00:00
Section 6 - Accrual Basis And Cash Basis Of Accounting
Accrual Basis And Cash Basis 00:00:00
Section 7 - What Is PA And NPA?
What Is PA And NPA? 00:00:00
Section 8 - Income Recognition
Income Recognition 00:00:00
Interest Reversal In NPA Account 00:00:00
Section 9 - Overdue And Out Of Order Position
What Is Overdue In Loans? 00:00:00
Out Of Order Concept 00:00:00
Section 10 - NPA In Agriculture Loans
Understanding Agriculture 00:00:00
NPA Concept In Farm Loans 00:00:00
Case Study On NPA In Farm Loans 00:00:00
Section 11 - Understanding CC And OD
Inter-Relationship Of Limit, Margin And DP 00:00:00
Valuation Of Securities 00:00:00
CC And OD Case Studies 00:00:00
Section 12 - Asset Classification And Provisioning Norms
Asset Classification And Provisioning – Part 1 00:00:00
Asset Classification And Provisioning – Part 2 00:00:00
Case Studies On Asset Classification And Provisionig 00:00:00
Provision On Guaranteed Accounts 00:00:00
Section 13 - DCCO In Project Loans
Understanding DCCO In Project Loans 00:00:00
Revision And Extension Of DCCO 00:00:00
DCCO Time Periods And Provisioning 00:00:00
Section 14 - Write Off And Waiver Of Loans
Write Off And Waiver 00:00:00
Section 15 - Maintaining Capital To Risk Weighted Assets Ratio Or CRAR
What Is CRAR? 00:00:00
Minimum Capital Requirements 00:00:00
Components Of Tier-1 And Tier-2 Capitals 00:00:00
Maintaining Buffer Capitals 00:00:00
Section 16 - Lesson Quiz
Self Test Your Understanding 00:00:00


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