EMI chhoot gayi ya CC limit se upar chal raha hai? Bank account ko pehle SMA-0, SMA-1, SMA-2 aur phir NPA mark karta hai — aur NPA ke baad CIBIL kharab, naya loan band, aur security par action. Neeche apni tareekh daalein: account kab NPA hoga, aur rokne ke liye kitna, kab tak bharna hai. Free, no login.
हिंदी में पढ़ें: NPA तारीख कैलकुलेटर →
SMA / NPA Date Calculator
Missed EMIs or CC over the limit? See the exact date your account becomes SMA-1, SMA-2 and NPA — and how much to pay, by when, to stop it. लोन कब NPA होगा और रोकने के लिए कितना भरें।
Free guide based on RBI prudential norms (IRACP) and RBI’s 12 Nov 2021 clarifications: days past due count from the oldest unpaid due date; classification is done in the bank’s day-end process; an NPA is upgraded only after all arrears of interest and principal are paid. Your bank’s statement decides the actual status. Last checked 3 Oct 2026.
SMA aur NPA kab hota hai (RBI niyam)
| Status | Term loan / EMI | CC / OD account |
|---|---|---|
| SMA-0 | 1–30 din overdue | — |
| SMA-1 | 31–60 din | 31–60 din lagatar limit/DP se upar |
| SMA-2 | 61–90 din | 61–90 din |
| NPA | 90 din se zyada | 90 din se zyada out of order, ya 90 din interest na bharna |
Tareekh kaise ginte hain — RBI ka example
EMI 31 March ko due thi aur day-end tak nahi bhari: overdue 31 March se. Agar bharte nahi, toh 30 April ko SMA-1, 30 May ko SMA-2 aur 29 June ko NPA. Ye bank ke day-end process mein roz check hota hai — ek din ki deri bhi NPA bana sakti hai.
5 baatein jo log nahi jaante
- Payment pehle sabse purani EMI mein adjust hota hai — 3 mein se 1 EMI bharne par overdue sirf agli EMI ki tareekh se ginna shuru hota hai, zero nahi hota.
- NPA account tabhi theek (standard) hota hai jab poora overdue — saari EMI aur interest — bhar diya jaye (RBI, Nov 2021). Aadha bharne se nahi.
- Bank aapko SMA / NPA hone se pehle SMS / notice deta hai — ignore na karein.
- CC mein stock statement 3 mahine se purana ho toh bhi account irregular maana ja sakta hai.
- MSME ke liye restructuring / payment plan ki baat NPA date se pehle karein — baad mein options kam ho jaate hain.
Aksar pooche jaane wale sawaal
Loan account NPA kab hota hai? Jab EMI ya interest 90 din se zyada overdue rahe. CC/OD mein jab balance 90 din se zyada lagatar limit ya drawing power se upar rahe, ya 90 din tak interest na bhara jaye.
SMA-1 aur SMA-2 kya hai? Special Mention Account — NPA se pehle ki warning. SMA-1 matlab 31–60 din overdue, SMA-2 matlab 61–90 din overdue. SMA-2 ke baad agla step NPA hai.
Ek EMI bharne se NPA ruk jaata hai? Payment sabse purani EMI mein jaata hai, isliye overdue ki ginti agli unpaid EMI se shuru hoti hai. Agar wo bhi 90 din purani hai toh account phir bhi NPA ho sakta hai — calculator mein dekhein kitni EMI bharni hain.
NPA account wapas standard kaise hota hai? RBI ke Nov 2021 ke niyam ke anusaar saari overdue EMI aur interest poora bharne par hi account standard hota hai.
NPA hone ka CIBIL par kya asar hota hai? CIBIL / CRIF score kaafi gir jaata hai aur report mein NPA dikhta hai. Naya loan, limit renewal aur credit card milna mushkil ho jaata hai.
Free guide, bank ki advice nahi. Source: RBI Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) and RBI clarification of 12 Nov 2021. Aapke bank ka statement final hai. Last checked 3 Oct 2026.
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