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Title: AN ANALYSIS OF NON PERFORMING ASSETS OF SCHEDULED COMMERCIAL BANKS IN INDIA
Authors: Dr. M. Sindhu
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Dr. M. Sindhu Assistant Professor, Department of Economics, Sree Kerala Varma college, Thrissur, Kerala, India.
MLA 8 HILMI, et al. "DETERMINANT FACTOR OF COMPETENCIES AND IMPLICATION TO PERFORMANCE." Int. j. of Social Science and Economic Research, vol. 5, no. 2, Feb. 2020, pp. 383-393, ijsser.org/more2020.php?id=29. Accessed Feb. 2020. APA HILMI, AZIS, N., FAISAL, & DARSONO, N. (2020, February). DETERMINANT FACTOR OF COMPETENCIES AND IMPLICATION TO PERFORMANCE. Int. j. of Social Science and Economic Research, 5(2), 383-393. Retrieved from ijsser.org/more2020.php?id=29 Chicago HILMI, Nasir AZIS, FAISAL, and Nurdasila DARSONO. "DETERMINANT FACTOR OF COMPETENCIES AND IMPLICATION TO PERFORMANCE." Int. j. of Social Science and Economic Research 5, no. 2 (February 2020), 383-393. Accessed February, 2020. ijsser.org/more2020.php?id=29.
References [1]. Chandan Chatterjee, J. M., (2012) Management of Non- Performing Assets- A Current Scenario. International Journal of Social Science and Interdisciplinary Research, vol.1 (11), 204- 214. [2]. Prasad and Veena, "NPAs Reduction Strategies for Commercial Banks in India". International Journal of Management and Business Studies. Vol.1 Issue 3, pp. 49-53, 2011 Reserve Bank of India, Financial Stability Reports (Various issue) [3]. www.rbi.org [4]. www.worldbank.org
Abstract: One of the important problem faced by the banking sector in India is the increase in the amount of Non Performing Assets (NPA). NPA are the assets which will not generate income in the form of interest and principal amount to banks. The NPA affects both the financial system and the economy. The competitiveness, profitability and capital adequacy will be affected by the increase in the NPA of banks. The present study examines the extent of NPA of scheduled commercial banks in India since 1997-98. The analysis showed that the scheduled commercial banks in India faces the problem of NPA. The public sector banks in India have the highest GNPA ratio. In most of the banks the growth rate of NPA is higher than the gross advances. The non priority sector and credit provided to the large borrowers have high NPA. The RBI and government of India have introduced various recovery methods. Among this the recovery through lok adalats, SARFESI Act, Debt Recovery Tribunals etc. are prominent.

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