Published Paper Details:

A strong banking sector is important for an economy. One of the most important roles that the banking sector plays is to lead the business. This is generally encouraged as a result of the transfer of funds from the system for production purposes, which also contributes to economic growth. Since everything has its pros and cons, this also applies to major businesses that carry credit risk during the course of a transaction or when the borrower fails to meet its contractual obligation. Bankruptcy in the banking sector will adversely affect another sector. Non-performing assets are a major concern for banks in India. NPAs reflect the performance of banks. The high level of NPAs indicates the high probability of a number of credit defaults affecting the bank's profitability and net worth and undermining the value of the assets. The growth of NPAs includes the need for conditions that reduce overall profits and shareholder value. The problem of non-productive assets has been widely discussed for the economy. The bank becomes a non-performing asset (NPA) when the bank fails to generate normal income such as interest on the loan. In other words, when a bank become an NPA.