International Journal of Social Science & Economic Research
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Assistant Professor, Department of Commerce, SUSN College, Matak Majri, Haryana

Devi, Suman. "NON-PERFORMING ASSETS-A STUDY OF PUNJAB NATIONAL BANK." Int. j. of Social Science and Economic Research, vol. 4, no. 3, Mar. 2019, pp. 2103-2111, Accessed Mar. 2019.
Devi, S. (2019, March). NON-PERFORMING ASSETS-A STUDY OF PUNJAB NATIONAL BANK. Int. j. of Social Science and Economic Research, 4(3), 2103-2111. Retrieved from
Devi, Suman. "NON-PERFORMING ASSETS-A STUDY OF PUNJAB NATIONAL BANK." Int. j. of Social Science and Economic Research 4, no. 3 (March 2019), 2103-2111. Accessed March, 2019.


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The main objective of commercial banking operations are to generate profits and make contribution to growth process of the country. A healthy and sound banking system is necessary for the growth of an economy. The level of NPAs is the best indicator of the healthy position of a banking system. NPAs adversely affect the profitability, liquidity and creditability of a bank. Higher NPAs indicate the inefficiency of management of banks while the lower level of NPAs indicates the best performance of management in a bank. This paper analyses the position of NPAs in PNB and give some suggestions how to overcome the position NPA in banks. This paper also highlights the impact of NPA.