A COMPARATIVE STUDY OF NPAs IN THE INDIAN BANKING

A COMPARATIVE STUDY OF NPAs IN THE INDIAN BANKING

Adesh kumar , Saurabh Singh , Dr. Poonam Singh

ABSTRACT   NPA expands to non-performing assets. The Reserve Bank of India serves as a centralized enterprise that monitors any inconsistencies or flaws in the gadget. Since the nationalization of banks in 1969, public location banks, frequently known as nationalized banks, have risen to prominence and made notable enhancements. The necessity to emerge as greater consumer-centric has pressured sluggish-shifting public vicinity banks to take an additional competitive approach. Reserve Bank of India defines Non Performing Assets in India as any advances or loans that is overdue for more than 90 Days. An asset becomes non performing when it ceases to generate income for the bank, said RBI in circular form 2007. The level of Non Performing assets best indicates the soundness of the banking sector of a country. The purpose of this paper is an effort to have glance on the growth or declining pattern of NPA in different Banks.  This paper analyses the NPA in Indian Banks. A strong correlation is found between the corporate debt restructuring and NPA. And a difference among Individual Banks in different financial year.

KEY-WORDS Non-Performing Assets, Priority Sector, Nationalized Banks, Private Sector Banks, Substandard, Doubtful, Descriptive Data.