Volume 5 | Issue 2 |

 Abstract

The Indian banking sector has been facing serious problems of raising Non- Performing Assets (NPAs). The NPAs growth has a direct impact on profitability of banks. Non- performing assets are one of the major concerns for scheduled commercial banks in India. The recommendations of Narasimham committee and Verma committee, some steps have been taken to solve the problem of old NPAs in the balance sheets of the banks. It continues to be expressed from every corner that there has rarely been any systematic evaluation of the best way of tackling the problem. There seems to be no unanimity in the proper policies to be followed in resolving this problem. NPAs reflect the performance of banks. A high level of NPAs suggests high probability of a large number of credit defaults that affect the profitability and net-worth of banks and also erodes the value of the asset. NPAs affect the liquidity and profitability, in addition to posing threat on quality of asset and survival of banks. The problem of NPAs is not only affecting the banks but also the whole economy. In fact high level of NPAs in Indian banks is nothing but a reflection of the state of health of the industry and trade. It is necessary to trim down NPAs to improve the financial health in the banking system. An attempt is made in this paper to understand NPA, the status and trend of NPAs in Indian Scheduled commercial banks, The factors contributing to NPAs, reasons for high impact of NPAs on Scheduled commercial banks in India and recovery of NPAS through various channels.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Non- Performing Assets, NPA, Scheduled Commercial banks, Narasimham committee

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The spectacular and unprecedented growth of FDI in the global economic landscape over the last two decades has made it an integral part of the development strategy of both the developed and developing nations. It acts as a major catalyst in the development of a country through up-gradation of technology, managerial skills and capabilities in various sectors. Rise in purchasing power, growing consumerism and brand proliferation has led to retail modernization in India. The following article talks about FDI or Foreign Direct Investment in India. Many people are in favour of FDI & many people are against it. But after taking into consideration all the arguments in favour & against FDI one can safely conclude that it has more merits than demerits attached to it & the Indian government must go for it if it wants India to progress further & become a super power.

Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Spectacular, unprecedented , growth, FDI.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This paper presents the mathematical model for analyzing the nanofluid flow over a vertical porous slender cylinder. Heat and mass transfer characteristics are considered. Flow is driven exclusively by linearly stretching the cylinder and the nanofluid model is of two phase fluid where the nanoparticles move arbitrarily and increase the energy exchange rates therefore consolidating the impacts of Brownian movement and thermophoresis. The governing cylindrical equations are transformed into coupled ordinary differential equations using suitable transformation and are solved numerically via Keller box method. The impact of physical parameters on the velocity, temperature and concentration profiles are presented graphically and analyzed. To validate the numerical method, comparisons are made with the available results in the literature for some special cases and the results are found to be in excellent agreement. The analysis reveals many interesting behaviors that warrant further study on the axi-symmetric flow phenomena especially the nanofluid past a vertical slender cylinder.

Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Slender cylinder; Porous media; Nanofluid; Brownian motion; Thermophoresis; Keller box method.

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Creative Commons Attribution 4.0 and The Open Definition