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A Comparative Evaluation of NPAs Recovery Mechanisms by Public Sector Banks in India

Vol 4, Issue 1, January - June 2017 | Pages: 102-121 | Research Paper  

 
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https://doi.org/10.17492/mudra.v4i01.9782


Author Details ( * ) denotes Corresponding author

1. * Lovleen Gupta, Assistant Professor, Department of Commerce, Hindu College, University of Delhi, Delhi, India (lovleen15_gupta@yahoo.co.in)
2. Mridul Dharwal, Associate Professor , Sharda University, Greater Noida, Uttar Pradesh, India (mridualdharwal22@gmail.com)

A consistent increase in Non-performing assets (NPA) in the financial statements of various public sector banks has put several questions before policy makers and regulatory institutions with regard to functioning of banking system in India. Besides reflecting deteriorating financial health of banks, it also restricts the liberty of banks in adopting new strategies towards growth. Rather banks are required to adopt conservative approach in sanctioning new loans till the problem of NPAs is reasonably resolved. This study examines the growth of NPAs during the period 2001-02 to 2012-13 in public sector banks in India and the effectiveness of Lok Adalats, Debt Recovery Tribunals and SARFAESI Act, 2002 in solving the problems of NPAs.

Keywords

Non-performing assets; Lok Adalats; Debt recovery tribunals; SARFAESI Act; Public sector banks

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