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Days Past Due (Overdue Period)DPDभाखा नाघेको अवधिDays past due is the number of days by which a scheduled payment of principal or interest is late; it is the main basis for classifying loans in Nepal.Asset QualityDoubtful Loanशंकास्पद कर्जाA doubtful loan is a non-performing loan overdue by 6 months to 1 year, where full recovery is highly uncertain, requiring at least a 50% provision.Asset Quality