Rebuking incorrectly characterization for demonstrating resources as terrible obligation, United Bank of India (UBI), said the product framework sourced from Infosys had 'innate insufficiencies' in recognizing nature of advantages in specific classifications.

The center managing an account arrangement (CBS) arrangement of the bank depended on Finacle utilized by numerous different banks, UBI said in a recording to the BSE.

The Finacle framework, it said, had "intrinsic insufficiencies to accurately distinguish NPA in specific classes" of borrowers, for example, KCC, rebuilt account, overdarft account persistently overdrawn for over 90 days, ECGC secured account, and so forth, it said, including, the inadequacies still proceeded in the product.

"The era of NPA through framework in September and December, 2013, has offered ascend to an extensive number of standard records appeared as NPA and NPA account appeared as performing resources," it said.

Quick remark from Infosys on the issue was not accessible.

The bank further said that the shortcoming of the instruments utilized by the bank already furthermore in the apparatus utilized to a great extent clarifies variety as a part of NPA figures.