WCDL: Aggregate no. of days of delay

WCDL: Aggregate no. of days of delay refers to the cumulative total of days an MSME borrower has been late in making their scheduled repayments (principal and/or interest) on all their Working Capital Demand Loan (WCDL) facilities over a specific assessment period. This metric is a critical indicator for MSME lenders to gauge the borrower's repayment discipline and overall credit risk profile. A higher aggregate number of days of delay signals potential liquidity challenges, operational inefficiencies, or financial stress within the MSME, which could impact their ability to service debt consistently. It provides a consolidated view of the borrower's historical payment behavior, helping lenders make informed decisions regarding loan renewals, new credit sanctions, or risk mitigation strategies. This metric is vital for maintaining a healthy loan portfolio.