IRAC classification, run by the system — not the spreadsheet.
DPD computation, SMA and NPA classification, provisioning and income recognition control — the RBI's IRAC framework implemented as daily automation, so classification is a fact of the system rather than a month-end negotiation.
What it does
Daily DPD engine
Days-past-due computed account-wise in EOD — including the day-end position norms examiners check.
SMA & NPA marking
SMA-0/1/2 and NPA classification applied automatically per IRAC timelines.
Borrower-level classification
One account slips, all accounts of the borrower classify — as the norms require.
Provisioning
Provision computation by classification bucket, posted to the GL with movement tracking.
Income recognition
Interest on NPA accounts suspended, tracked in shadow, recognised only on realisation.
Upgrade discipline
NPA upgrades only when the norms are met — arrears cleared, not merely reduced.
See it on your own book.
A working demo on your products, your hierarchy and your workflows — not a slide deck.