• Navneet Kaur
• Prof. Ram Milan

When the ownership and control of the assets is transferred from public to private sector, it is known as privatization. In other words, the demand and supply forces are highly influenced under high competition which makes the government to involve in activities more. Demand and supply forces are implemented in the economy and also to minimize the competition, privatization is used to liberalize the regulations. Various advantages such as employment development, improvement in the quality of the products and services provided to the consumers and reducing the burden of tax can be achieved by investing more capital, competitiveness and modernization which will bring up competition by considering privatization. In January 1993, certain guidelines were issued by RBI in the private to issue license of new banks, to improve the financial sector services. In January 2001, these reforms were revised after 8 years. Paid-up capital, promoter’s contribution, foreign investment was the main focus point that has been revised under the guidelines. This paper has made an attempt to study the benefits of privatization in increasing the branches, increment in job opportunities, improvement in credit facilities for agriculture and its effect on Indian banking in terms of high interest rates, recovery of bad loans.

Privatization. RBI, Bad loans, Interest rates, capital, Indian banking

"Impact of privatization on non- performing assets of banks in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.338-341, June 2019, Available :http://www.jetir.org/papers/JETIR1907E49.pdf

"Impact of privatization on non- performing assets of banks 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. pp338-341, June 2019, Available at : http://www.jetir.org/papers/JETIR1907E49.pdf