If a loan is overdue for certain days (for example, 90 days), as per RBI regulations, the loan will be marked as an NPA. Cloudbankin LMS can track and generate a report of all the NPA cases. If all arrears are cleared, the loan will move out of NPA. We manage NPA in the following ways 1. Identify loans that are at risk of becoming non-performing. 2. Monitor their status regularly. 3. Send out an early warning in case a loan is going to be NPA. 4. Allow lenders to work with borrowers for repayment. 5. In case of a loan is not moved out of NPA, it can be written off or taken any other necessary action accordingly. Our LMS is there to make sure that it mitigates as many losses as possible for the lenders easily.