November 5, 2026
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  • Banks Work on Coordinated Response to Rising Cyber Risks
  • India Plans Stronger Encryption Safeguards for Banking Data
  • India Achieves Near-Universal Banking Coverage
  • Arun Sridharan Takes Expanded Role as Deputy COO, Global Treasury at Standard Chartered
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SMA-1

SMA-1 Explained
Articles 

SMA-1 Explained: What a 31–60 Days Overdue Loan Means

August 31, 2026October 1, 2026 admin 0 Comments asset classification, banking compliance, credit risk, CRILC, IRAC norms, loan overdue, NPA classification, rbi, SMA-1, special mention account

When a borrower misses an EMI or interest payment and the delay stretches past a month, the loan does not

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When Does an SMA Account Become an NPA
Articles 

When Does an SMA Account Become an NPA? Complete Loan Stress Timeline

August 7, 2026October 1, 2026 admin 0 Comments banking loans., Credit Monitoring, loan stress timeline, NPA meaning, RBI NPA norms, SMA account, SMA to NPA, SMA-0, SMA-1, SMA-2, Stressed Assets

A loan rarely becomes a Non-Performing Asset (NPA) overnight. In most cases, it goes through different stages of repayment stress

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SMA-0 vs SMA-1 vs SMA-2: Complete Guide
Articles 

SMA-0 vs SMA-1 vs SMA-2: Complete Guide

August 4, 2026October 1, 2026 admin 0 Comments credit risk, Indian Banking, Loan Monitoring, Loan Stress, NPA, SMA classification, SMA-0, SMA-1, SMA-2, special mention account

The answer lies in Special Mention Account (SMA) classification. Before a borrower defaults for a prolonged period, banks identify early

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Banking Finance Journal

Recent Posts

  • Kotak Mahindra Bank Gets CCI Approval to Acquire Deutsche Bank India Business
  • Banks Work on Coordinated Response to Rising Cyber Risks
  • India Plans Stronger Encryption Safeguards for Banking Data
  • India Achieves Near-Universal Banking Coverage
  • Arun Sridharan Takes Expanded Role as Deputy COO, Global Treasury at Standard Chartered

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The portal  bankingfinance.in has been sponsored by The Insurance Times Group.  The group ventured to publish the first monthly journal on Insurance in India in the year 1981 which is still is the most widely read Insurance Journal in India.  In the year 1988 we published Banking Finance an exclusive journal on Banking and Finance Segment.  Since then we have covered many milestones and our readership is growing from strength to strength.

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