• Dr. Popat Krishna Shinde

The introduction of concept of classification of assets and provisioning norms to PACS was right decision. However, it was necessary to introduce it after adequate training to the PACS staff. Usually the quality of the PACS staff (secretary) is relatively inferior to that of the commercial bank. The secretary is the only staff who has to run the society’s day to day affairs. While studying the NPAs naturally it will throw light on the causes for classifying an account under NPA and while doing this it will also throw light on the possible solutions for avoiding NPAs. This study covers a time period of Six years ranging between 2007-08 and 2012-13, to study the trends and comparative study of 573 identified borrowers of 69 identified PACS from Pune District, according to their Audit Classification. This study has a major focus only on the causes of NPAs from the view point of borrowers and secretaries/officials of all identified 69 PACS. For this Researcher frame Questionnaires for identified borrowers and identified society secretary of the selected PACS. Researcher used Chi-squared Test, Descriptive Statistics, Karl Pearson Coefficient of Correlation, these tools for Data Analysis. From this study researcher came to know that, although it is expected that there should be a pre-sanction visit to the prospective borrower’s agricultural lands, on the pretext of the volume of work, inadequacy of the staff, these visits are not undertaken and therefore the genuineness of the prospective borrower about the cultivation of crops mentioned in the loan application cannot be ascertained. This has become a ritual and hence the borrower is aware that there will be no inspection it provides room for him for diversion of funds, which ultimately brings the account in difficulty for recovery. On the whole it has been observed that there is no enough interaction between the borrower and society/bank official about the utilization of the loan and the repayment capacity.

PACS, Non-Performing Assets, Causes behind NPAs, Pre-Sanction Credit Appraisal and Post Disbursement Supervision.

"REASONS OF NPA OF THE PACS IN PUNE DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 5, page no.1244-1249, May-2018, Available :http://www.jetir.org/papers/JETIR1805948.pdf

"REASONS OF NPA OF THE PACS IN PUNE DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 5, page no. pp1244-1249, May-2018, Available at : http://www.jetir.org/papers/JETIR1805948.pdf