Keywords: What is NPA, NPA meaning, bad loans, NPA recovery, ARC companies India
Every financial institution faces NPAs — loans where the borrower has stopped paying EMIs for 90+ days.
“We can easily manage if we will only take, each day, the burden appointed to it. But the load will be too heavy for us if we carry yesterday’s burden over again today, and then add the burden of the morrow before we are required to bear it factorial non.”
Rebert Kost
What is NPA?
A Non-Performing Asset is a loan where:
- EMIs are unpaid for more than 90 days
- The asset stops generating income for the bank
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Types of NPAs
- Substandard Assets — NPA for < 12 months
- Doubtful Assets — NPA for > 12 months
- Loss Assets — No recovery possible without write-off
Why Loans Become NPAs
- Job loss
- Business failure
- Over-borrowing
- Wrong verification
- Fraud cases
- High-interest burden
- Poor financial planning
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How Kickstart Helps Recover NPAs
- Legal enforcement
- Settlement negotiation
- Property valuation
- Collateral repossession
- Auction assistance
- SARFAESI compliance
- ARC purchase of NPAs
Kickstart helps lenders reduce NPA burden quickly and ethically.