Comparative Study of Trends in Non-Performing Assets of Public and Private Sector Banks in India

Binay Kumar Sahu

Comparative Study of Trends in Non-Performing Assets of Public and Private Sector Banks in India

Author(s)	Mr. Binay Kumar Sahu
Country	India
Abstract	Non-Performing Assets (NPAs) continue to be an important measure of the banking industry's operational effectiveness and financial stability in India. The changes in non-performing assets (NPAs) of public and private sector banks over a certain time period are compared in this study. Examining NPA trends, growth, and fluctuations as well as determining the fundamental causes of the disparities between the two industries are the goals. The study's foundation is secondary data gathered from trustworthy sources, including publications from the Reserve Bank of India and the annual reports of certain banks. The movement and intensity of NPAs in both sectors have been assessed using analytical tools such trend analysis, percentage analysis, and ratio analysis. The analysis is based on secondary data acquired from trusted sources such as the annual reports of selected banks and publications of the Reserve Bank of India. The movement and intensity of non-performing assets (NPAs) in both sectors have been assessed using analytical techniques such trend analysis, percentage analysis, and ratio analysis. The results show that public sector banks have continuously reported greater levels of non-performing assets (NPAs) than private sector banks, notwithstanding a recent downward trend brought on by regulatory actions, more stringent asset quality standards, and enhanced recovery methods. Private sector banks, on the other hand, have comparatively stable and decreased non-performing assets (NPA) ratios, which are indicative of improved credit risk assessment and effective management techniques. The report states that while both sectors have demonstrated advances, public sector banks require further strengthening of governance frameworks and credit monitoring mechanisms. Policymakers and banking institutions can use the research's insightful findings to develop policies that will reduce non-performing assets (NPAs) and improve the overall stability of the Indian banking sector.
Keywords	Non-Performing Assets, Public Sector Banks, Private Sector Banks, Trend Analysis, Indian Banking Sector, Comparative Analysis.
Field	Business Administration
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-13

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Comparative Study of Trends in Non-Performing Assets of Public and Private Sector Banks in India

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