A STUDY ON NON PERFORMING ASSETS OF THE INDIAN BANKS.

There has been an increase in the Credit flow to various sectors of the economy such as infrastructure, industry, services and agriculture. But simultaneously there has also been an increase in the Non-Performing Assets (NPAs) in the Indian banking sector. NPAs have direct impact on the profitability and the net-worth of the banks. The banks have to take initiatives to bring down the Non-Performing Assets. Gross NPA reflects the quality of the bank loans and the Net NPA reflect the actual burden of the banks. This paper makes an attempt to study the trends of Gross NPA, Net NPA, the impact of NPAs and the recent measures taken by the government to decrease the NPAs.