Volume : VII, Issue : I, January - 2017

Recovery of Non–Performing Assets in SCBs in India

Dr. P. N. Harikumar, Dr. Susha D

Abstract :

 Non– performingassets are one of the major concerns for scheduled commercial banks in India. The Non–Performing Assets have always created a big problem before banks and financial institutes. The money locked up in NPAs has great impact on the profitability of the banks. NPAs affect the liquidity andprofitability, in addition to posing threat on quality of asset and survival of banks. The problemof NPAs is not only affecting the banks but also the whole economy. In fact high level of NPAsin Indian banks is nothing but a reflection of the state of health of the industry and trade. The recommendations of Narasimham committee and Verma committee, some steps have beentaken to solve the problem of old NPAs in the balance sheets of the banks. But still a lot needs to be done to curb this major problem of financial sector. It isnecessary to trim down NPAs to improve the financial health in the banking system. Here in this paper, an attemptis made to understand concept of NPA, the status of NPAs in Indian Scheduled commercial banks and recovery of NPAs through various major channels. The researcher wants to assess the effectiveness of each track of recovery.

 

Keywords :

Article: Download PDF   DOI : 10.36106/ijar  

Cite This Article:

Dr. P.N.Harikumar, Dr. Susha D, Recovery of Non–Performing Assets in SCBs in India, Indian Journal of Applied Research,Volume : 7 | Issue : 1 | JANUARY 2017

Number of Downloads : 452

References :