• POOJAN N PARIKH

The NPA is one of the biggest problems that the banks are facing today. NPA plays an important role in performance measurement of any bank as it reduces the overall profitability of the bank. NPA also has adverse effects on liquidity and creditability of a bank. High level of NPA indicates the inefficiency of management of a bank and vice-versa. The main objective of this paper is to examine the relationship between Net Profit and Net NPAs and to analyse the impacts of NPAs on Profitability and Liquidity of selected public and private sector banks in India. For this purpose five public (Corporation, BOI, IOB, PNB and Andhra bank) and five private (Axis, HDFC, ICICI, Lakshmi Vilas and Indusind) sector banks are selected. The present study covers time period of ten years (2006-07 to 2015-16). The study is based on secondary date and has been analysed through correlation and multiple regression analysis using SPSS Software. The study reveals that there significant impacts of NPAs on Profitability and Liquidity of selected public and private sector banks in India. The result of correlation indicates that there is significant correlation between net profit and net NPA of Corporation bank, PNB, IOB and BOI. In case of private sector banks, AXIS and HDFC bank have significant relationship between net profit and net NPA.

Non-performing Assets, Public and Private Sector bank, profitability, Liquidity, Correlation, multiple regression analysis etc.

"A STUDY OF NPAs & ITS IMPACTS ON PROFITABILITY OF SELECTED PUBLIC & PRIVATE SECTOR BANK IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.601-606, June 2019, Available :http://www.jetir.org/papers/JETIR1906M90.pdf

"A STUDY OF NPAs & ITS IMPACTS ON PROFITABILITY OF SELECTED PUBLIC & PRIVATE SECTOR BANK IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp601-606, June 2019, Available at : http://www.jetir.org/papers/JETIR1906M90.pdf