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Significant Increase in Credit Risk (SICR)SICRकर्जा जोखिममा उल्लेख्य वृद्धिA significant increase in credit risk is a marked rise in a loan's risk of default since it was first given, which moves the loan from Stage 1 to Stage 2 and requires lifetime expected credit loss.Asset QualitySpecific Loan Loss Provisionविशेष कर्जा नोक्सानी व्यवस्थाSpecific loan loss provision is the provision kept against identified non-performing loans (substandard, doubtful, loss and restructured) to cover their expected loss.Asset QualitySubstandard Loanकमसल कर्जाA substandard loan is a non-performing loan whose principal or interest is overdue by 3 to 6 months, requiring at least a 25% provision.Asset Quality