Published Paper Details:

The development and well being of banks in an economy is very crucial. Banks are the main suppliers of money and credit to the individuals, businesses, industries etc. The central bank of any country is responsible for credit control and proper flow of currency in the country but they are able to implement most of their policies through the banking channels. Banks are responsible for advancing loans for various developmental works in different sectors of the economy. Banks are the backbone of any country and their proper functioning reflects in the sound health of the economy. But banks have been facing the problem of stressed assets, more specifically, the Non-Performing Assets (NPAs) . According to Economic Times, in the financial year 2019, globally India ranked 5th in case of countries having the highest NPAs. In the past, there were various committees formed in order to tackle the range of problems faced by banks such as p. Selvam committee, Khanna committee, James Raj Committee etc. Due to the collective efforts of RBI and other agencies, in the recent years, banks have been able to reduce the growing NPAs to a substantial level. This paper focusses on the performance of State Bank of India (SBI) , a major public sector bank of the country,in dealing with the NPAs . In this paper, an effort has been made to analyse the size of NPA , reasons and the different ways banks and Reserve Bank Of India (RBI) are working on, to reduce NPAs.