• Aleena K Benny
• Steffi Catherine Dinesh
• Dr. Kavitha Jayakumar

In India banking is one of the important part in the day to day lives of the citizens. The need of using banking facilities has become inevitable at present mainly due to demonetization. Most of the cash transactions are reducing day by day, and thus increasing the need of banking. Indian banking sector faces many difficulties and challenges, one of the main challenge is the growth in NPA (non-performing assets). It affects the net profit of the banks; NPA is one of the factors which indicate the credit worthiness of the banks. It needs to be controlled so that bank’s financial health will not get affected. In our research we attempted to know the relationship between net profit and public and private sector banks NPA ratios. For which we have considered public and private sector banks NPA and studied its relationship towards the net profit of the scheduled commercial banks which includes public and private sector banks. From our study we found that public sector banks GNPA and NNPA has a strong relationship towards net profit, whereas private sector banks does not have a significant effect on the net profit ratio of the scheduled commercial banks

Non-performing assets, public sector banks, private sector banks, net profit

"The impact of NPA of public and private sector banks on net profit of scheduled commercial banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 2, page no.158-164, February-2019, Available :http://www.jetir.org/papers/JETIR1902A27.pdf

"The impact of NPA of public and private sector banks on net profit of scheduled commercial banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 2, page no. pp158-164, February-2019, Available at : http://www.jetir.org/papers/JETIR1902A27.pdf