Answer: A cash credit account is out of order for over 90 days
Notes: RBI guidelines classify a cash credit account as Non-Performing Asset if it remains out of order for more than 90 days. The Income Recognition and Asset Classification (IRAC) norms were issued in 1992 and updated periodically. An account is considered out of order if outstanding balance remains continuously in excess of sanctioned limit or drawings are not regularly serviced as per RBI notifications.
