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<h2>Important elements of DPD value and what it signifies</h2>
 
 Financial institutions sort accounts based on their risk profile by categorising the 
 activity of repayment behaviour into certain shorthand.
 

 <h3>Common Elements</h3>
 <ul>
 <li>
 Standard (STD): It means "standard" using shorthand language, meaning that 
 all payments are current and paid within ninety days of the due date.
 </li>
 <li>
 Special Mention Account (SMA): It is a warning classification type for 
 accounts that are still considered a standard account, but show signs of possible default.
 </li>
 <li>
 Sub-Standard (SUB): This label is put on accounts whose payments are 
 overdue by more than ninety days.
 </li>
 <li>
 Doubtful (DBT): Accounts that had been classified as sub-standard for the 
 full year or longer are identified as doubtful.
 </li>
 <li>
 Loss (LSS): This designation is on accounts where a loss has been declared 
 and the amount due is thought to be uncollectible.
 </li>
 </ul>

 <h3>Why This Matters</h3>
 
 Being familiar with these elements allows borrowers to assess their finances and make 
 necessary adjustments prior to their creditworthiness being impacted.
 
 
 Keeping your account in STD guarantees lower interest rates, better credit 
 card offers, and easier loan applications.
 
 
 By promptly paying off any outstanding balance, which may result in your account being 
 classified as SMA or SUB, you can prevent your account from 
 going into DBT or LSS with its consequences beyond finances.

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<table><thead><tr><th>Joining Fee</th><th> ₹ 1̶,4̶9̶9̶/-̶</th></tr></thead><tbody><tr><td>Annual Fee</td><td>Lifetime Free</td></tr><tr><td>Financial charges</td><td> ₹5000</td></tr><tr><td>Late Payment Fees</td><td>For Statement Balance:&nbsp;<ul><li>Less than ₹501: &nbsp;NIL</li><li>From ₹501 to ₹5,000: ₹5,000</li><li>From ₹501 to ₹5,000: ₹5,000</li><li>From ₹501 to ₹5,000: ₹5,000</li></ul></td></tr></tbody></table>

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Joining Fee	₹ 1̶,4̶9̶9̶/-̶
Annual Fee	Lifetime Free
Financial charges	₹5000
Late Payment Fees	For Statement Balance: Less than ₹501: NIL From ₹501 to ₹5,000: ₹5,000 From ₹501 to ₹5,000: ₹5,000 From ₹501 to ₹5,000: ₹5,000