Non-Performing Assets of Indian Commercial Banks: A Critical Evaluation

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Asset Quality, Capital Adequacy Ratio, Development Envelopment Analysis, Doubtful Assets, Financial Intermediation, Financial Sector Reforms, Interest Rate Spread, Loan Servicing and Collateral, Loss Assets, Non-Performing Assets, Private Sector Banks.


The issue of Non-Performing Assets (NPA) in the banks is discussed. The magnitude and trend in NPA are studied for the 5 year period 2008-13, using a suitable classification of the banks. A critical evaluation of the reasons and a few recommendations are made which have positive practical implications.




How to Cite

Pasha, M. A., & Srivenkataramana, T. (2017). Non-Performing Assets of Indian Commercial Banks: A Critical Evaluation. DHARANA - Bhavan’s International Journal of Business, 8(1), 03–10. Retrieved from



Research Articles



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