Dr. G. Kavitha


In Indian economy most of the capital flows through banking channel. To move the economy of a country need capital, land and labor. NPA is any asset of a bank which is not earning any income. Most of the investment has to be from private or corporate. The private sectors who got loans from banks are not able to repay which is the case in today’s situation ‘Banking sectors plays vital role in mobilizing the valuable resources of the country, and provides a bridge between depositors and investors. The banking cycle helps the country’s growth, production and employment., If the banking industry in any country has bad loans within 3% it is considered manageable. Indian banks bad loans were about Rs.10.25 lakh crore as on 31 March 2018. The current situation of NPAs causes and impacts  of  NPAs are discussing  in  this article. The measure  taken  by  the  government to  recover  the bad loans also analyze elaborately.

Full Text:



Pravakar Sahoo, “Here is what will effect banks returns to assets ratio, sustained income”- FINANCIAL EXPRESS, 22 June 2018.

Rohan Abraham, “All you need to know about India’s NPA crisis and the FRDI Bill” -THE HINDU, 09 December 2017.

“What is the criteria to declare a loan as NPA”-, 15 September 2017.

“Banking NPA : the black hole” Elearn Markets – 04 December – 2018.

“Banks Gross NPAs at Rs.8.41 lakh crore in Dec”- Economic Times, 09 March 2018.

PTI, “NPA woes may continue for banks in 2018-19, due to current economic situation - RBI” - India Today , 29 August 2018.

Rajkumar Ray, “Five way Government, RBI trying to speed-up NPA recovery” - Hindustan times,08 July 2018.

Srikanth Srinivasan, “The Great Indian Mess : Bad loans can snowball in to banking crisis, Jaitly’s solution has political overtakes”- First post , 24 September 2018.

Kishor Kadam, “Banks Bad loan pile crosses Rs.10 lakh crore ,up Rs.1.39 lakh crore in March quarter- Forbes India, 05 June 2018.

Trisha Thomas, “IDBI Bank Top List of Banks with High NPA” – Ultra News, 22 July 2018.

“NPA were may continue for banks in 2018-19 due to current economic situation” – India Today, 29 August 2018.

Naveen P.Singh, “Farm Loan waiver: How to nip it to bud” - Economic Times, 07 January 2019.

“Banks Gross NPAs at Rs.8.41 lakh crore in Dec” Economic Times - 09 March 2018.


  • There are currently no refbacks.