NABS AI Solutions Pvt. Ltd.
NABS AI Solutions Pvt. Ltd.
The only tool statutory bank branch auditors need for NPA identification, asset classification, provisioning and audit reporting — fully compliant with RBI IRACP Directions 2025.
90-day DPD rule + instalment overdue method. Identifies NPAs with exact NPA date computation as per RBI norms.
All 3 RBI criteria — outstanding exceeding limit/DP for 90 days, no credits for 90 days, credits insufficient to cover interest.
Crop season-based NPA rules for Kharif, Rabi and long-duration crops. Configurable per branch region.
Full RBI classification — Standard, SMA-0/1/2, Sub-standard, Doubtful-1/2/3, Loss with secured/unsecured split.
Differentiated provision rates for 20+ loan categories. Guarantee coverage (ECGC/CGTMSE) deduction supported.
If any facility of a borrower is NPA, all facilities are classified NPA — mandatory RBI rule, auto-applied across TL and CC/OD.
Memorandum of Changes — Category C (Interest Reversal), D (Classification), E (Provision) generated automatically.
Classification-wise summary with provision adequacy worksheet. Account-level provision computation for every NPA.
Complete LFAR Advances section (.docx) — 5(a) to Annex III — auto-generated as per latest RBI LFAR format.
Upload 12 months of CC/OD data for trend analysis. Confirms NPA criteria with multi-period evidence.
Identifies accounts approaching NPA threshold — SMA-2 accounts, stale stock statements, limit expiry warnings.
Excel working papers with all flagged accounts, NPA accounts in LFAR format, classification summary, divergence analysis.
Import Term Loan and/or CC/OD balance files (Excel/CSV) received from the bank
Map bank-specific column names to standard fields. Classify facility types to RBI categories
One click — tool identifies all NPAs, classifies assets, computes provisions, detects divergences
MOC, NPA Statement, LFAR (.docx), Working Papers — all generated automatically, ready for reporting
BankLens is built ground-up on the latest regulatory framework. Every NPA identification rule, provision rate, and reporting format is sourced directly from RBI circulars and ICAI guidance.
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