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Title: NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE
Authors: Dr. Rashmita Barua
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Dr. Rashmita Barua Assistant Professor (Stage 2), Dept. of Commerce and Management, School of Technology, Assam Don Bosco University, Airport Road, Azara, Guwahati-781017, Assam.
MLA 8 Barua, Dr. Rashmita. "NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE." Int. j. of Social Science and Economic Research, vol. 3, no. 10, Oct. 2018, pp. 5476-5489, ijsser.org/more2018.php?id=382. Accessed Oct. 2018. APA Barua, D. (2018, October). NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE. Int. j. of Social Science and Economic Research, 3(10), 5476-5489. Retrieved from ijsser.org/more2018.php?id=382 Chicago Barua, Dr. Rashmita. "NON-PERFORMING ASSETS (NPAS) IN THE INDIAN BANKING SYSTEM: UNVEILING THE FACTUAL ANECDOTE." Int. j. of Social Science and Economic Research 3, no. 10 (October 2018), 5476-5489. Accessed October, 2018. ijsser.org/more2018.php?id=382.
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Abstract: The Non-Performing Asset (NPA) emerges from a bank's assets in the form of loans, advances and investments. When an asset fails to create the projected income it becomes a NPA. The concept of NPA in India was introduced by RBI to reflect bank's actual financial health in its balance sheet. Provisioning for NPAs have more than doubled, which has led to a whopping 60 per cent decline in net profits for the SCBs. The aggregate increase in NPAs have almost reached to 47 per cent between March 2015 and March 2017. The present analysis deals with the current status of NPAs accruing across all SCBs in India, root causes of growing NPAs and suggest ways of minimizing its effect on the economy. In order to analyze the NPA factor and NPA based performance of the banks, Gross NPA% (GNPA), Net NPA% (NNPA) in terms of Gross Advances, Net Advances, Growth % of Gross Advances and growth % of Gross NPAs have been calculated. These ratios of the banks have been analyzed further through CAGR and regression analysis.

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