Study on NPAs of Banks in India

Managing NPAs should be pro-active function than a reactive response. As management of Non-performing assets has direct bearing on the bottom lines of banks, it needs highly focused and professional approach. The main objectives of the study is to study NPAs of Banks in India namely Scheduled Commercial Banks (SCB), Public Sector Banks (PSB), New Private Sector Banks (NPSB) and Foreign Banks FB). The data for the present study are collected from secondary sources. Twenty years of Gross NPAs as Percentage of Gross Advances, Net NPAs as Percentage of Net Advances, Gross NPAs as Percentage of Total Assets, Net NPAs as Percentage of Total Assets data from 2002–03 to 2013–14 of Scheduled Commercial Banks, Public Sector Banks, New Private Sector Banks and Foreign Banks have been collected from the official websites of Reserve Bank of India (rbi.org.in) and various other reports like magazines, journals, published books. The data collected for the study has been analysed logically and meaningfully to arrive at meaningful conclusions. The statistical tools applied for data analysis is descriptive and inferential statistics. Based on the objectives, the hypotheses formed for analysis.