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STRATEGY OF MANAGING NPA BY PUBLIC SECTOR AND PRIVATE SECTOR BANKS IN INDIA
VANDANA KUMARI
Pages: 59-63 | First Published: 06 Jun 2018
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In India, public sector banks cover almost 80 percent of the market share when it comes to financing. The next sector penetrating deep into the market is private sector banks (on the basis of advances granted). A bank can never grant credit if it remains over cautious for loss. Therefore every bank has some possibility of incurring loss due to bad loan or Non-performing Asset. NPA is a loan which has stopped generating income either in the form of interest and/or instalment. This paper is about the NPA of both sectors and its management by them(asset management). Public Sector has high ratio of NPA when compared with its private peers. Therefore this topic has been taken up to compare the both sectors on the basis of bad loans and accordingly conclusion has been made. Keywords: NPA, Asset management, financial sector.

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