Dogri to English:
इस करियै, ब्याज दे कर्जे दी तरीक दे संदर्भ च ब्याज दियां नेहियां रकमां अतिदेय नेईं होंदियां ते इस करियै ऐन्नपीए नेईं बनदियां ।
Therefore, such amounts of interest do not become overdue and hence NPA, with reference to the date of debit of interest.