Published Paper Details:

A Non-performing asset (NPA) is defined as a credit facility in respect of which the interest and/or installment of bond finance principal has remained 'past due' for a specified period of time. NPA is used by financial institutions that refer to loans that are in jeopardy of default. There is no doubt that increasing NPA has become a crucial concern for any bank whether it is commercial or co-operative. There are instances where many co-operative banks have faced strict action and closure from the central bank. The present paper is an attempt to study and analyse the causes of NPA in selected co-operative banks in Delhi. It studies the causes of NPA at the micro level for co-operative banks and brings out the major causes responsible for assets turning into non- performing. This paper further highlights the importance of NPA in credit Risk mitigation in Cooperative banks in Delhi. The findings of this paper will significantly contribute to the effective asset allocation to cooperative bank and help them to grow and succeed.