Non-performing assets (NPA): Its impact on the Indian banking sector

Savita Patil , -

Keywords: NPAs review mechanisms, GNPA, CAR, and PCR percentage ratio.

Non-performing assets (NPA): Its impact on the Indian banking sector *Smt. Savita Patil ABSTRACT The banking sector plays an important role in the Indian economy. The banking sector's performance can be measured by assessing the bad loans which cannot be recovered. The level of NPAs indicates the soundness of the banking sector. The purpose of this research is to examine the role of the different banks in managing and controlling the NPAs through the various recovery mechanisms. This paper identifies the reasons on occurring of NPAs in the Indian banking industry and finds out existing monitoring systems and credit appraisals to control the NPAs. The information will be useful for investors as the issue of poor loans causes the NPAs and to know its impact on the profitability of the banks and thereby the future prospects of the banking sector. The main objectives of this paper;  To examine the gross NPAs and incidence of NPAs.  To measure the trends of NPAs in the Indian banking sector.  Further, the paper also attempts to study adherence to the guidelines and directions issued by the RBI from time to time. Keywords: NPAs review mechanisms, GNPA, CAR, and PCR percentage ratio.

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"Non-performing assets (NPA): Its impact on the Indian banking sector ", IJSDR - International Journal of Scientific Development and Research (www.IJSDR.org), ISSN:2455-2631, Vol.8, Issue 8, page no.218 - 223, August-2023, Available :https://ijsdr.org/papers/IJSDR2308031.pdf

Volume 8 Issue 8, August-2023

Pages : 218 - 223

Paper Reg. ID: IJSDR_208112

Published Paper Id: IJSDR2308031

Downloads: 000347496

Research Area: Commerce

Country: Kalaburagi, Karnataka, India

Published Paper PDF: https://ijsdr.org/papers/IJSDR2308031

Published Paper URL: https://ijsdr.org/viewpaperforall?paper=IJSDR2308031

ISSN: 2455-2631 | IMPACT FACTOR: 9.15 Calculated By Google Scholar | ESTD YEAR: 2016

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