• Dr.(Prof) Abhijit Pakira
• Sri Prabir Kumar Dutta

Banking Sector plays a pivotal role in the development of an economy and its upliftment. .Since the time of financial sector reforms ( by Sri M. Narasimham Committee 1991), which followed and adopted the international best practices and introduction of several prudential and provisioning norms, the banking system in the country has experienced sea-change and a massive transformation ... But the expectations of banks in ensuring a healthy and sound advance portfolio has been belied and the issue of NPAs is recognized as the main cause of recent banking crisis. Everybody in the banking fraternity is highly concerned for the mounting NPAs in the banks. It not only indicates the weakness in the banking sector but also impacts the profitability of the banks in various counts. The provisioning exercise for the NPAs also puts a strain on bank’s Capital because of the maintenance of desired level of Capital adequacy. This article attempts to analyse the magnitude of NPAs in Banks ,its causes ,effect on profitability of banks , status of recovery through various legal and non legal measures and various steps taken by Government and RBI to boost up recovery.

financial reform, NPAs ,Recovery, capital adequacy, legal and non-legal measures etc

"Recovery of NPAs in banks - Impact of legal and non- legal measures ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.1154-1167, June-2019, Available :http://www.jetir.org/papers/JETIR1908D46.pdf

"Recovery of NPAs in banks - Impact of legal and non- legal measures ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp1154-1167, June-2019, Available at : http://www.jetir.org/papers/JETIR1908D46.pdf