• HEMLATA VERMA
• Dr S.K Thakur

Abstract The banking sector plays a key role in the economic development of our country. It forms the hub of the financial sector of an economy. The core business of banking is to collect deposits from the public and lending it to individuals and organizations. Accepting deposits do not involve any loss. But, lending business always involves much risk because the borrower may not be able to repay the loan within the stipulated time. Previously, the banks did not bother about asset quality rather they concentrated on expanding, generating employees, the branches and lending to priority sector. As a result, the asset quality of the banks started falling day by day and the stress of Non Performing Assets became a major concern for the banks. Nowadays banks have become very vigilant in extending loans because of the rising nonperforming assets. Non performing assets are an obligatory burden for each banking industry. NPA is a big challenge for the banking sector.The study is based on secondary data. Paper present the trend, status and impact of NPA on AXIS bank profitability during the period of 7years from 2009 to 2015.Many articles research paper have been reviewed to present and analyse data. The data were analysed using correlation by using SPSS software version 23 and NPM, ROA, NIM and OPM were used as financial performance variable and NPA as independent variable. The finding and analysis shows that there is no significant impact of NPA on AXIS bank financial performance in the period under study.

Key word- Non performing Assets,Return on assets, Net interest Margin, Net profit Margin, Operating Profit Margin.

"Impact of npa on banking profitability (Special reference with Axis Bank)", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.171-173, June-2019, Available :http://www.jetir.org/papers/JETIR1906807.pdf

"Impact of npa on banking profitability (Special reference with Axis Bank)", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp171-173, June-2019, Available at : http://www.jetir.org/papers/JETIR1906807.pdf