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The lender s asset quality improved year-on-year but slipped a bit sequentially. Saxena attributed this to the transition from monthly repayment to weekly repayment, which also led to a muted loan disbursement in October. Spandana s gross non-performing assets ratio stood at 1.6% at the end of December 2023 as compared with 5.3% a year ago. Gross NPA was 1.8% at the end of September 2023. Net NPA was 0.5% against 2.5% a year back. ....