Decoding Non-Performing Assets in Indian Banking

The Indian banking sector, in general, and public sector banks, in particular, has been going through tough phase. The Indian banking sector is denting with non performing assets problem in recent years. The NPA issue is influencing the portfolio of banks and financial institutions, market mechanism, economy and different banks differently. Therefore, in this context the study is undertaken with an empirical analysis of contribution of different banks in advances and NPAs. A comparative study of NPAs related to sector wise, banks wise is also carried out. This will help us to understand the concept of NPAs thoroughly. The current study focuses on the share of different banks in terms of Gross advances, Net advances, GNPA, NNPA, priority and non-priority sectors. This paper is divided into three sections. The first section is theoretical and it is related to the concept of NPA, review of literature and research methodology whereas the second section presents a deep analysis of NPAs. Final section dwells upon some conclusion remarks.