A study on the impact of Securitization Act on Gross and Net NPA Ratio of Indian Commercial Banks

A study on the impact of Securitization Act on Gross and Net NPA Ratio of Indian Commercial Banks
Author(s):
Dr.N.L.VIJAYA
Keywords:
NPAs, GNPA ratio, NNPA ratio, SARFAESI ACT, Default
Abstract
Banks are important segment in Indian financial system. An efficient banking system helps the nation’s economic development. After nationalization of banks, they expanded and extended the credit to all the sectors including priority sector. The social concern of the commercial banks in India resulted in mounting of Non-performing affecting the liquidity and the profitability of Indian commercial banks. This paper aims at studying Asset classification by banks, NPAs, factors contributing to NPAs, effects of NPAs, Measures to tackle the Non-performing assets and Impact of SARFAESI Act on reduction of Gross and Net NPA ratios of Indian Commercial banks.
Article Details
Unique Paper ID: 156870 Publication Volume & Issue: Volume 1, Issue 5 Page(s): 137 - 143
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