A STUDY ON THE PORTFOLIO OF NON-PERFORMING ASSETS IN INDIAN PUBLIC SECTOR BANKS

Abstract

Non-performing assets (NPAs) have become the biggest issue for the Indian banking sector. Nonperforming assets have been detrimental to the efficient performance of Indian banks. Their continued amelioration in absolute terms proved the survival of Indian banks very difficult. As on March 2015, the total NPA of Indian public sector banks stand at Rs.196072 crore against the standard asset Rs. 5838443crore which is 3.3 percent of total NPAs. This study attempts to analyse the various portfolio of NPAs of Indian Public sector banks with special reference to standard assets, sub-standard assets, doubtful assets and loss assets for the period 2010-11 to 2014-15. The data have been collected from the annual reports of the individual banks and CMIE database. It is observed that the NPA level shows an inconsistent rise over the study period. And the banks must ensure that they give loans to credit worthy customers and needs to concentrate on the area of nonperforming assets.