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@article{162886,
        author = {Nijrup S Visani and Dr. Kinjal Patel},
        title = {ANALYZING NON-PERFORMING ASSETS (NPAS) IN INDIAN BANKING: A STUDY OF TRENDS, RATIO AND IMPACT ON PROFITABILITY (2017-2018 TO 2021-2022)},
        journal = {International Journal of Innovative Research in Technology},
        year = {},
        volume = {10},
        number = {11},
        pages = {302-309},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=162886},
        abstract = {This investigation delves into the effects of Non-Performing Assets (NPAs) on the financial health of Scheduled Commercial Banks and Public Sector Banks in India, as detailed in various scholarly publications from 2019 and a study by Agrawal hosted on Shodh Ganga in 2010. Spanning the fiscal years from 2017-2018 to 2021-2022, this study meticulously explores the patterns and shifts in the ratios of Gross NPAs to Gross Advances and Net NPAs to Net Advances, shedding light on the differential management of asset quality across distinct banking sectors. The critical nature of a detailed examination to discern the relative performance among banks is underscored, pointing out how NPAs bear upon key financial metrics, operational facets, and the overall income of banks. This research employs a combination of tabular and graphical techniques to elucidate the relationship between NPAs and profitability margins within the banking domain. The insights gleaned are poised to bolster the decision-making process for investors and other key stakeholders in the banking sector.},
        keywords = {Scheduled Commercial Banks, Public Sector Banks (Singh, 2012), Non-Performing Assets (NPAs), Gross NPA Percentage, Net NPA, Credit Risk Management, Portfolio and Financial Institutions},
        month = {},
        }