• Dr.A.Oliver Bright
• Ms.Adlin Virgit. G

NPA is any asset of a bank, which is not producing any income. In other words, a loan or lease that is not meeting its stated principal and interest payments. On a bank’s balance sheet, loans made to customers are listed as assets. The biggest risk to a bank is when customers who take out loans stop making their payments, causing the value of he loan assets to decline. During the period 2014 to 2018, there was lot of changes in the financial and banking system. The demonetization and GST were introduced. The banking transactions were affected; cash flows were restricted. Lending, collections and deposits were affected. People were struggling to get hot cash. There was a problem in GDP, Agricultural loans, small and medium scale industries etc. The other side NPA was also got accumulating. Borrowers expect loan waiver and dues are not cleared. Hence in this study the accumulation of NPA in 27 public sector banks and the pattern of growth of NPA in these public sector banks during 2014 to 2018 is analyzed and studied.

1.NPA - Non-performing Assets 2.Write- off - A loan write-off is a tool used by banks to clean up their balance-sheets 3. Lok Adalat - A mechanism Which offers expeditious, in-expensive and mutually acceptable way of settlement of disputes. 4.CAGR - Compound Annual Growth Rate 5.Bad loans - The loans which cannot be recovered

"Analysis of NPA of Public Sector Banks in India during 2014 to 2018", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 4, page no.542-554, April-2019, Available :http://www.jetir.org/papers/JETIR1904M81.pdf

"Analysis of NPA of Public Sector Banks in India during 2014 to 2018", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 4, page no. pp542-554, April-2019, Available at : http://www.jetir.org/papers/JETIR1904M81.pdf