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PAPER ID:IJIM/V.6(XII)/ 10-15/2
AUTHOR: Ram Kumar,
TITLE: NPAs IN COMMERCIAL BANKS IN INDIA
ABSTRACT: Banking and financial institutions play a pivotal role in the development of an economy especially in the mobilization and allocation of resources. The banks are lending funds as loans and advances to various sectors such as agriculture, industry, personal and housing and other to meet the productive use of these funds. In recent situations, the banks are facing the problems of Non-Performing Assets (NPAs) and the banks need to be very cautious in extending loans to the needy people, the present study compared the NPAs of commercial banks in India for the period 2000-2017. As both the sectors were experiencing high NPAs in the year 2000 which started falling with the coming years and continued to slope down for a decade. In case of the public sector banks, it again started to rise and that too the rise has been swift. In the private sector though the rise came in late and moreover it wasn’t sharp at all. Foreign banks on the contrary are showing no pattern the foreign banks have highly unstable structure of NPAs.
KEYWORDS: : NPAs, RBI