When an account is classified as a “Sub-standard Asset,” what is the general provisioning requirement on the secured portion of the outstanding balance?

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Direct Answer
The general provision on the secured portion of a Sub-standard asset is 15
A Sub-standard asset is one that has remained NPA for a period less than or equal to 12 months
1. Secured Portion: 15% provision. 2. Unsecured Portion: 25% provision