Author(s) :   Sushil Kumar¹, Manju Katarya²

Abstract : Non-Performing Assets (NPAs) have become a defining challenge for the Indian banking sector, affecting profitability, credit growth, and the stability of the financial system (Das & Ghosh, 2007; Rajeev & Mahesh, 2010; Singh & Prasad, 2018). This paper offers a comprehensive analysis of NPA trends and patterns from 2008 to 2018, a period marked by regulatory evolution, macroeconomic volatility, and significant changes in lending practices (Swami, 2012; SRCC, 2018; Swati & Raju, 2018). Using secondary data from the Reserve Bank of India and peer-reviewed research, the study explores the evolution of NPAs across public, private, and foreign banks, highlighting the sharpest deterioration post-2015 following the RBI’s Asset Quality Review (IIBF, 2017; Ghosh, 2017). Detailed tables and sectoral analyses reveal that public sector banks (PSBs) bore the brunt of the crisis, while private and foreign banks demonstrated better asset quality due to stronger governance and risk management (Gupta, 2012; Mohan, 2017). The paper concludes with policy recommendations, emphasizing the need for structural reforms and robust risk management to restore confidence in the Indian banking sector (Dey, 2018; Satbir Singh et al., 2018).

DOI : https://doi.org/10.61161/ijarcsms.v7i4.2

Pages : 164-169

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