International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 8, Issue 5 (September-October 2026) Submit your research before last 3 days of October to publish your research paper in the issue of September-October.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 5
September-October 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Non-Performing Asset Management in Indian Banking: A Conceptual Framework and Descriptive Evidence on Public and Private Sector Banks

Author(s) Ms. Shipra Singh, Dr. Vikas Kumar, Mr. Anjani Kumar Jha
Country India
Abstract Non-performing assets (NPAs) shape credit supply, profitability and financial stability in India’s banking system. This conceptual paper, supported by descriptive empirical evidence, compares public sector banks (PSBs) with other scheduled commercial banks (SCBs) across the 2015 Asset Quality Review (AQR), the Insolvency and Bankruptcy Code (IBC), recapitalisation, and PSB consolidation. It combines (a) official gross NPA data at six dates from March 2015 to September 2025; (b) a purposive synthesis of 35 peer-reviewed studies; and (c) a specified, testable panel model linking governance, credit-risk management, profitability, credit intensity, digital adoption, reform and ownership to NPA ratios.
The PSB gross NPA ratio rose from 4.97% in March 2015 to 14.58% in March 2018 and fell to 2.30% by September 2025; the derived ratio for the other banks rose from 2.28% to 4.49% and fell to 1.73%. The PSB ratio fell by about 84% against about 61%, the PSB share of system gross NPAs fell from about 86% to about 63%, and the PSB-to-other-banks ratio narrowed from about 3.3 to about 1.3. The data are group aggregates at six dates and support descriptive, not causal, conclusions; the model is specified but not estimated. Convergence has been substantial, and a small gap remains.
Keywords Non-performing assets; public sector banks; private sector banks; asset quality review; Insolvency and Bankruptcy Code; corporate governance; credit risk management; India
Field Business Administration
Published In Volume 8, Issue 5, September-October 2026
Published On 2026-10-14
DOI https://doi.org/10.36948/ijfmr.2026.v08i05.89643
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals