ENA Sectors 2019-01-09 09:09:34 <p><strong>New Delhi, Jan 9 (KNN)</strong> The overall Non-Performing Asset (NPAs) rate of commercial lending was at 17.5% in September, 2018 versus 15.5% in September, 2017, reveals the recently released TransUnion CIBIL- SIDBI Micro, Small and Medium Enterprises (MSME) Pulse Report.</p> <p>Diving deeper into the respective segments reveals that the NPA rates in the Micro and SME segments have reduced from 8.7% (September, 2017) to 8.5% (September, 2018) and 11.4% (September, 2017) to 11.3% (September, 2018) respectively, over the last one year.</p> <p>The growth rate in credit exposure is higher as compared to the growth in gross NPA amount in the Micro/SME segment, contributing to the reduced gross NPA rate, according to the report.</p> <p>The pool of gross NPA amount has increased by 75% in the large segment in the two year period from September, 2016 September, 2018.</p> <p>Within the Commercial MSME segment, the NPA rates are higher for larger exposures, although Very Small segment also has shown higher NPAs.</p> <p>The NPA rate for MSME loans taken in individual capacity are significantly lower compared to MSME loans to entities.</p> <p>The NPA rate of individual loans is in the range of 2% - 2.3% compared to 8% - 14% for loans to Commercial entities.</p> <p>The latest report also noted that the default rates in borrowers taking multiple loans from lenders within a period of 60 days have increased from 2.5% to 4.4% during September 2015 to September 2018 period. </p> 21758 https://knnindia.co.in/news/newsdetails/sectors/there-is-a-growth-of-2-in-overall-npa-rate-of-commercial-lending-report 2019-01-09 09:09:34 knnindia.co.in