CURRENT STATUS OF NON-PERFORMING ASSETS OF BANKING SECTOR OF INDIA WITH SPECIAL REFERENCES TO CAUSES AND GOVERNMENT INITIATIVES
DOI:
https://doi.org/10.55829/ijmpr.v4i1.261Keywords:
Banks, Borrowings, credit, Non performing assetsAbstract
The objective of the study is to examine the current status of non-performing assets of banking sector of India. It has found that non-performing assets is a bigger challenge of our banking sector. Such asset is the burden in any financial institution. It exists in more or less in any type of banking institution. Gross and net non-performing assets of scheduled commercial banks are declining since 2018-19. In scheduled commercial banks, public sector banks have the higher non-performing assets then the private bank, regional rural banks and foreign banks. Rural Co-operative Banks has higher non-performing assets then the urban cooperative banks. Non-performing assets affect bank’s profitability, and revenues. Due to the recession and slowdown in demand, companies are unable to pay debts. This has led to debt accumulation and increased non-performing assets. The Reserve Bank of India has taken various measures to address the non-performing assets problem. Measures related to management processes, technological integration and specific business strategies aimed at immediate reduction and long-term adaptation.
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