Journal Press India^®

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Banking sector plays an important role in the Indian economy. The banking sector performance can be measured by assessing the bad loans which cannot be recovered. The level of NPAs indicates the soundness of the banking sector. The purpose of this research is to examine the role of the different banks in managing and controlling the NPAs through the various recovery mechanisms.  This paper identifies the reasons on occurring of NPAs in Indian banking industry, and to find out existing monitoring systems and credit appraisals to control the NPAs. The information will be useful for investors as the issue of poor loans causes for the NPAs and to know its impact on the profitability of the banks and thereby the future prospects of the banking sector. The main objectives of this paper; to examine the gross NPAs and incidence of NPAs. To measure the trends of NPAs in the Indian banking sector. Further the paper also attempts to study adherence to the guidelines and directions issued by the RBI from time to time.

Keywords

NPAs Review Mechanisms; GNPA; CAR and PCR Percentage Ratio

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