International Journal For Multidisciplinary Research

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NPA Status in Scheduled Commercial Banks

Author(s) Dr. Savita Patil
Country India
Abstract The terms non-performing assets (NPAs) and non-performing loans (NPLs), are often used interchangeably and refer to loans that do not meet their stated principal and interest repayments. In other words, these are assets that do not generate income. Non-performing loans thus pose a problem for asset quality. According to the Reserve Bank of India Prudential Norms, ‘an asset, including a leased asset, becomes non-performing when it ceases to generate income for the bank’ (Reserve Bank of India, Master-Circular, 2005).
Asset quality is one of the most critical facets in determining the overall condition of a bank. It concerns the quality of a bank’s loan portfolio and its credit administration program. A substantial portion of a bank’s assets comprises loans & carries the greatest amount of risk to their capital. Other items which can impact asset quality are real estate assets, other assets, off-balance sheet items and, to a lesser extent, dues from accounts, premises and fixed assets. Banks are concerned with the quality of their loans since they provide earnings to the bank. Asset quality concerns the balance sheet of a bank, and more so with the left-hand side of a bank's balance sheet.
A healthy financial sector is necessary for the growth of the economy. Indian banks have been burdened by rising NPAs over the past decade. The present paper analyses the trends of NPAs in the Indian banking sector, and analyses the reasons for fluctuations in the trends of SCBs, ATMs, CRMs and NPAs in the Indian Banking sector.
Keywords NPAs trends, CRMs, NPLs and trends.
Field Mathematics > Economy / Commerce
Published In Volume 7, Issue 6, November-December 2025
Published On 2025-12-05
DOI https://doi.org/10.36948/ijfmr.2025.v07i06.62451
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