( ISSN 2277 - 9809 (online) ISSN 2348 - 9359 (Print) ) New DOI : 10.32804/IRJMSH

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NON-PERFORMING ASSETS : A SERIOUS CHALLENGE TO INDIAN BANKS

    2 Author(s):  PRIYANKA GUPTA, SURENDER KUMAR

Vol -  10, Issue- 5 ,         Page(s) : 439 - 448  (2019 ) DOI : https://doi.org/10.32804/IRJMSH

Abstract

Non-performing Asset is one of the major problem in Indian Banking sector. From the nationalization, the banking system has several outstanding achievements. Many banks are facing the problem of NPAs which hampers the business of the banks and create a disaster to Indian Economy. Non-performing assets are a drain to the banks. Various research studies have been conducted to analyze the root causes of NPA. This study tries to understand the concept of NPA, its causes and impact on profitability. The problem of NPA badly affects profitability, Liquidity and results in credit loss. Unless and otherwise proper remedial measures are taken the quantum of non-performing assets cannot be reduced and the bank will incur losses to a great extent.

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