Published Paper Details:

Banks play a crucial role in providing the desired financial resources to the needy sectors of the economy. And therefore, banks are considered as the supporting pillar and backbone for the economy. The flow of money from person to person, business to business, country to country just possible due to the efficient banking system. Credit or default risk exists in money lending in the form of short, medium, and long-term advances. When bank or financial institution loans or advances turn out to be non-productive, non-rewarding, or non-paying, they become non-performing assets. Indian banks are in poor shape, with large amounts of bad loans and a sharp increase in gross nonperforming assets (NPAs). The aim of this paper is to examine non-performing assets in major public sector banks and their implications for bank profitability. The study is focused on secondary data from RBI studies, various gazetted websites, and various online research papers and articles relevant to the subject.