ABSTRACT
Indian banking sector has been facing problems on raising Non- Performing Assets. The
profitability of the banks are influenced by increase of Non- Performing Assets. A ‘NonPerforming Asset’ was defined as a credit facility in respect of which the interest and/ or
instalment of principal has remained ‘past due’ for a specified period of time. Narasimham
Committee mandated that identification and reduction of NPAs to be treated as a national
priority because Non-Performing Assets direct toward credit risk that bank faces and its
efficiency in allocating resources. The recommendations of various committees like
Narasimham committee and Verma committee, are suggested some steps to solve the
problem of NPAs in the balance sheets of the banks. As per RBI reports Gross NPAs to
Gross Advances Ratio is high in case of IDBI Bank Limited is high among public sector
banks in the year 2018. The main objectives of the this paper is to study the status of NPA in
public sector and private sector banks and its management.
Key Wards: Assets, NPA, Public Sector Banks, Private Sector Banks, Recovery, DRT