Gross NPA

Gross NPA Definition: Gross NPA is the sum total of all loan assets that are classified as non-performing (overdue >90 days) without deducting any provisions made by the financial institution.

Why it matters in Debt Collection

• Indicates the true raw quality of a lender's portfolio.
• Calculated as: (Total Gross NPA / Total Advances) × 100.
• A fast-rising Gross NPA alerts regulators (RBI) to potential systemic risk within an NBFC.