• DR. JAYAPRASAD D

In the present global banking scenario. The most significant of a financial institution's performance indicators, which measures the efficiency, particularly in the banking industry, is the level of Non-Performing Assets (NPAS). Non-performing assets are problematic for financial institutions: subsequently, they depend on interest payments for income. The challenging pressure from the economy can lead to a sharp increase in non-performing loans and often results in Substantial write-downs. The higher level of Non-Performing Assets indicates poor performance that the lower will be the profitability for banks, as there will not be any interest income, and there is a need to incur operational and recovery costs. Moreover, it affects the image of the bank. Banks are required to classify their advances into four broad categories according to performance: Standard, Substandard, Doubtful, and Loss Assets. Finally, the research paper concludes that the KGB managed the NPAs well during the study period. It was highly controlled the increase of NPAS of KGB by decreasing the share of total assets and the share of advances year by year. The banks' recovered amount is also very good, and the growth of NPAS provision is very high in the study period.

RRB’s, NPA, KGB AND CREDIT RISK

"A Study on Nonperforming Assets Management: With Special Reference to Karnataka Grameena Bank ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.a114-a122, January-2026, Available :http://www.jetir.org/papers/JETIR2601014.pdf

"A Study on Nonperforming Assets Management: With Special Reference to Karnataka Grameena Bank ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. ppa114-a122, January-2026, Available at : http://www.jetir.org/papers/JETIR2601014.pdf