CC/OD Turnover Tracker – Calculate NPA Date & Credit Shortfall
Step 2: Interest Debited - Latest 3 Months
| Date | Amount | Action |
|---|
Step 3: Credit Transaction in Given Date Range
| Date | Amount | Action |
|---|
Shortfall Summary
| Shortfall Start Date | Credits Considered | Shortfall Amount |
|---|
Today's Position
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🧾 About the Author
I'm a banker. To simplify tracking of turnover-based NPAs in CC/OD accounts, I created this tool to help bankers assess shortfalls and act before accounts turn NPA due to insufficient turnover
📊 About the Tracker
This tracker helps you quickly assess whether a CC/OD account is at risk of becoming NPA due to non-compliance with turnover norms. It calculates the shortfall amount, highlights the cut-off date, and provides a clear summary of shortfall positions, all based on your inputs.
Note: It is intended to provide clarity and control in genuine cases where, due to unavoidable circumstances, the borrower could not meet turnover norms. It does not promote evergreening or support accounts that do not comply with RBI guidelines.
✅ How to Use the Tracker
Step 1: Select Today’s Date using the calendar input.
Step 2: Enter the interest amounts debited to the account for the latest 3 months.
Step 3: Based on the selected date, a 90-days date range will automatically appear.
→ You must now enter customer-induced credit transactions (ignore system entries like interest reversal, charges, etc.) that occurred within this 90-day range.
Step 4: Click the “Analyze” button.
→ The tracker will show the Shortfall Summary, including:
- Date when shortfall arises
- Amount of eligible credits considered
- Amount still required to keep the account standard
If the shortfall is not met by the specified date, the account is likely to slip into NPA status under turnover norms.
This tool is designed to improve accuracy and decision-making while reducing manual efforts in NPA monitoring. Try it out and let me know your feedback.