There has been increased concern about the continued deterioration in the asset quality of Indian public sector bank in recent times. Reserve Bank of India, s Financial stability Report 2017 acknowledged that the risks to the Indian banking sector have been increased in the past recession period particularly, the risk of accumulating non-performing assets (NPAs). NPA or Non Performing Asset is those kinds of loans or advances that are in default or in arrears. In other words, these are those kind of loans where in principal or inters amounts are safe or have not been paid. These are also the kinds of loans where the tender consider the loan agreement to be broken and the receiver of the loan is unable to pay back the loan amount. In simpler terms, if the customers do not reply principal amount and considered as Non performing Assets or NPA, To put it in other words, Non performing Assets are basically Non performing Loan. In our country, the timeline given for classifying the asset as NPA is 180 days. As against 45 to 90 days of international norms.
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