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@article{205719,
        author = {Nishant Kumar and Dr. Sumita Roy and Dr. Ajay Kumar},
        title = {Financial Performance, Asset Quality and Non-Performing Assets of Selected Public and Private Sector Banks in India: A Comparative and Empirical Study with Special Reference to Ranchi District},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {1},
        pages = {9278-9286},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=205719},
        abstract = {Banking institutions is the part of the financial institutions which provide the financial services to people, government, industries and other sectors of the country. Banks collects the deposits and lends the loans for the different purposes and growth. As there is the so much demand of loan and bank provide the loan to the customers without scanning credit appraisal of the customers, credit score and mismanagement of the banks led to bad debts for the banks. When borrower fails to repay the interest with the principal amount of the loan, it becomes the bad debts for the banks and after 90 days it transfers into the Non-Performing Assets. It calls NPA because it stops to generate income for the banks. In this research, researcher has study Financial Performances, NPA and Assets Quality of the banking system and make comparative analysis of public sector and private sector with special references of Ranchi District. To conduct this study researcher collects secondary data from the website of the Reserve Bank of India, Ministry of Finances, authorized journals and official websites. Researcher also collects the primary data by the help of questionnaires and the interview. This study finds that NPA of the public bank is more as compare to the private sector. Because of high NPA it reduces the profitability, liquidity and make poor assets quality. Financial Performances, Non-Performing Assets and Assets Quality can be improved by proper credit appraisal system, regular monitoring of loans, strict recovery procedure and by adopting strict banking norms. This study help banking institutions and government to make policy and proper decisions for future functioning.},
        keywords = {Banking System, Non-Performing Assets, Financial Performances, Assets Quality, Loans, Financial Institutions},
        month = {June},
        }