However, these accounts, though not overdue, exhibit signs of. At this stage, it’s not yet a critical concern, but it’s a prompt to ensure you don’t miss. An sma status shows that you have already missed payment and depending on the number of days for which the payment is overdue, your sma status can be labelled from 0.
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Sma 0 are accounts where the principal or interest payment are not overdue for more than 30 days. Please refer to the master circular on prudential norms on income recognition, asset classification and provisioning pertaining to advances (iracp norms) dated october 1,. Sma are those accounts that shows symptoms of bad asset quality once the account is overdue or before its being identified as npa.
