Published Paper Details:

Banking in India went through substantial modifications since the introduction of financial sector reforms in 1991, when it was found that the banks were stressed with high amount non-performing assets. The paper explores the movement of non-performing assets of public and private sectors banks in India. Reducing Non-performing assets is very important element of financial Health, stability and growth of banks in India. To find out the fundamental factors which influence non-performing assets of banks in India? To increase the efficacy and cost-effectiveness of Indian banking sector in the country it was important to bring banks out of the burden of non-performing assets. The consequences and trends show that Non-performing assets are having a descending trend during the study period, but Non-performing assets of public sector banks are still more than private sector banks. The returns on the assets show the decline trends. This is much lower in Public sector banks as compared to private sector banks. Finally the performances of Public sector banks are not suitable as compared to private sector banks