A Study on Non-Performing Assets (NPAs): Evidence from State Bank of India

Author(s)	Ms. Valarmathi P, Dr. Nirmala M
Country	India
Abstract	Non-Performing Assets (NPAs) represent loans on which interest or principal repayments are overdue, indicating deterioration in asset quality. High levels of NPAs adversely affect the profitability, liquidity and stability of banks, making the management a critical aspect of banking performance. Effective credit appraisal, monitoring, and recovery mechanisms paly important role in controlling NPAs and ensuring financial soundness. This study focuses on the behaviour of NPAs of State Bank of India. The study adopts analytical approach using ratio analysis and correlation analysis. Overall, the results indicate a notable improvement in asset quality over the study period.
Keywords	Indian Banking Sector, Public Sector Banks, Gross NPA, Net NPA, State Bank of India
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-11
DOI	https://doi.org/10.36948/ijfmr.2026.v08i03.77886

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