Dr. Neetu Jain
debt restructuring mechanism, DRT,
The incidence of NPA is the focal threat of banking sector. The Non-Performing Assets (NPAs) problem is one of the foremost and the most formidable problems that have shaken the whole banking sector in India like an earthquake. Like a cancer worm, it has been eating the banking system from within, since long. It has grown like a cancer and has infected every limb of the banking system. It has an effect on profitability and liquidity along posing threat on asset quality and survival of banks. The NPAs are considered as an important parameter to judge the performance and financial health of banks. The growing NPAs have been a cause of concern for the entire banking industry. Some measures are designed to maximize the NPAs recoveries in Indian banking. The Central government and RBI have taken steps for controlling incidence of fresh NPAs and creating legal and regulatory environment to facilitate the recovery of existing NPAs of banks. Researcher has tried to study the recovery measures followed by the banks and also made a comparative study of debt restructuring mechanism followed by two major banks PNB and SBI.
Article Details
Unique Paper ID: 156500

Publication Volume & Issue: Volume 9, Issue 3

Page(s): 830 - 839
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