• Vasundhra Sharda
• Aarti Verma

Non-Performing Assets (NPAs) pose a great threat on the economy of the nation because they enhance the vulnerability of the banking system of the country. Credit cycle is the radical process which drives the business cycle of the banks. Non-recovery of installments as also interest on the loan portfolio acts as a hindrance to the effectiveness of this process of the credit cycle. This situation leads to scarcity of funds in the economy which in turn leads to proliferating of interest and lending rates. This paper is an attempt to study the trend of rise in NPAs in public, private and foreign banks from 2008 to 2015 and analyze the efficiency in NPA management of these banks. This paper also studies the present scenario of NPAs in the Indian economy as a result of certain steps ( i.e. demonetization and Asset Quality Review) undertaken by the Government to combat the issue of rising NPAs in the Indian economy.

NPA, NPA Classification, NPA redressal, Asset Quality Management, Demonetization

"Non Performing Assets", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 11, page no.392-400, November-2018, Available :http://www.jetir.org/papers/JETIR1811862.pdf

"Non Performing Assets", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 11, page no. pp392-400, November-2018, Available at : http://www.jetir.org/papers/JETIR1811862.pdf