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Last Updated On 02-May-2026
Banking

Credit Card Defaulter and Joint Home loan also NPA

I have credit card in Hdfc and I'm defaulter And I have also home loan in same bank with my mother Can bank classified NPA in home despite my monther pay regularly HOME LOAN Emi . Property on me and my mother (joint property) Yesa to nahi hogana ki mere defaulter ki vajase mera join home bhi bik jayega?

( Surat, Gujarat )

02-May-2026

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A.
Dear Client,

Your credit card default and home loan are separate facilities. If the home loan EMI is being paid regularly and there is no default in that account, the bank cannot classify the home loan as NPA only because of your credit card default.

The bank also cannot sell the joint property unless there is default in the home loan itself. However, since both accounts are with the same bank, they may take recovery steps for the credit card dues separately as per law.

You should try to settle or regularize the credit card dues to avoid further legal action. Please consult a local advocate for proper guidance.
Posted On 02-May-2026
Dhruti Patel Advocate Dhruti Patel
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A.
Dear Client,

Your credit card default with HDFC Bank will not automatically affect your joint home loan account or lead to the property being declared NPA, as both are treated as separate credit facilities, and an account is classified as NPA only if that particular loan remains unpaid for more than 90 days. Since the home loan EMIs are being regularly paid by your mother, the bank cannot take action against the property or auction it under the SARFAESI Act, 2002. However, the bank can still pursue recovery for the credit card dues through other legal means, so it is advisable to maintain regular home loan payments and simultaneously try to settle or restructure the outstanding credit card amount to avoid further complications.
Posted On 02-May-2026
Gourab Das Advocate Gourab Das
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