N — Financial termNPA (Non-Performing Asset)An NPA is a loan account where the borrower has failed to pay principal or interest for 90 days or more, as per RBI norms for banks and NBFCs.In practiceOn P2P platforms, prolonged default affects investor returns. Bharosa monitors repayment behaviour, supports collections, and flags severe delinquency — investors should diversify to manage NPA-like risk.Related termsCIBIL ScoreP2P LendingEMI (Equated Monthly Instalment)