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"Comparative Analysis of Non-Performing Assets in Co-operative Banks in Surat", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.3, Issue 1, page no.10-17, January-2016, Available :http://www.jetir.org/papers/JETIR1601003.pdf

• Manisha D. Patel

Non-Performing Assets (NPA’s) are one of the major areas of concern for the Indian banking industry. An asset becomes non-performing when it ceases to generate income for a financial institution. The origin of the problem of increasing non-performing assets lies in the quality of managing credit risk by the banks concerned. There are many research conducted on the topic of Non- Performing Assets (NPA), concerning private banks and public banks. This paper considers the aggregate data of private sector attempts to compare analyze and interpret the NPA management from the year 2008 -2012. Non-performing assets are caused as a result of various internal and external factors. What is needed is having adequate preventive measures in place namely, fixing pre-sanctioning appraisal responsibility and having an effective post-disbursement supervision. Banks concerned should continuously monitor loans to identify accounts that have potential to become non-performing. On the conceptual side, it gives an overview of NPA, Types of NPA, causes and on the calculation side, it covers compares the NPA between three co-operative Bank of Surat, ,and also used trend analysis and common size statement for now the situation of bank.. The findings reveals that the NPA of Varachha co-operative bank is lower as compared to two other banks and its indicate that shareholder’s risk to the bank is constantly reducing.

Co-operative Bank, Non-Performing Assets, Private Banks, Surat.

"Comparative Analysis of Non-Performing Assets in Co-operative Banks in Surat", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.3, Issue 1, page no. pp10-17, January-2016, Available at : http://www.jetir.org/papers/JETIR1601003.pdf