NPA of Banks in India

Year 2016, Volume: 4 Issue: 4, 45 - 53, 01.10.2016

Sanskriti Sıngh

Abstract

Banks are the instrument of growth of a country. Banks mobilize the savings of the public in the form of deposits and channelize it as advances for various activities required for development of society at large. The advance which becomes unpaid for a certain period is called Non Performing Asset of the bank. The study makes an attempt to bring out the magnitude of NPA and its impact on profit, advances. An attempt is also made to bring out the challenges NPA poses to the banks and suggestions to overcome and to manage NPA effectively.

Keywords

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NPA of Banks in India

Abstract

Banks are the instrument of growth of a country. Banks mobilize the savings of the public in the form of deposits and channelize it as advances for various activities required for development of society at large. The advance which becomes unpaid for a certain period is called Non Performing Asset of the bank. The study makes an attempt to bring out the magnitude of NPA and its impact on profit, advances. An attempt is also made to bring out the challenges NPA poses to the banks and suggestions to overcome and to manage NPA effectively

Keywords

NPAs, Public banks, Private banks

References

• (1) RBI Website
• (2) Annual reports of Banks
• (3) Dr. J. Vimal Priyan and Dr. V. Karthihai Selvi, Management of Non Performing Assets in India, Banking Finance May 2015 Issue.
• (4) Dr. A.S. Shiralashetti, Non Performing Assets in SBI in India – A Study of Associate Banks of SBI, Banking Finance September 2015 Issue.
• (5) RBI Governor’s News item on Bad Loans in Banking Finance July 2015 Issue.
• (6) The Hindu, News paper Reports on NPA Issue.