An advance whose interest and additionally a portion of chief have stayed 'past due ' (not paid) for a time of 90 days is considered as NPA.

All MSMEs which have standard records as of March 31, 2018, and have been standard or NPA during FY19 and FY20 are qualified. The plan is substantial for MSMEs which are Special Mention Accounts - 2 and NPA accounts as of April 30, 2020, who are qualified for rebuilding according to RBI rules. In any case, defaulting accounts are not considered under the proposed conspire.