Non-Performing Assets in Indian Banking Sector: Causes, Consequences, and Remedies

Non-Performing Assets in Indian Banking Sector: Causes, Consequences, and Remedies

Registration ID: IJNRD_215424

Published ID: IJNRD1612006

DOI: https://doi.org/10.5281/zenodo.10836801

Dr Ashok Kumar Mishra

Non-performing assets, Indian banking sector, causes, consequences, remedies, regulatory reforms, economic growth, financial stability, Reserve Bank of India.

Non-performing assets (NPAs) pose a significant challenge to the Indian banking sector, impacting financial stability, economic growth, and social welfare. This research paper explores the causes, consequences, and remedies of NPAs in the Indian banking sector. Economic downturns, lax lending practices, and regulatory bottlenecks contribute to the accumulation of NPAs. The consequences of high levels of NPAs include reduced bank profitability, constrained credit availability, and social distress. Regulatory interventions, legislative reforms, and proactive measures by banks are crucial in addressing NPAs. The future outlook for NPAs depends on economic trends, regulatory reforms, and technological advancements. By implementing effective remedial measures, stakeholders can mitigate the adverse effects of NPAs and support the long-term health and stability of the banking sector in India.

Published Paper   E-Certificate

"Non-Performing Assets in Indian Banking Sector: Causes, Consequences, and Remedies", IJNRD - INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (www.IJNRD.org), ISSN:2456-4184, Vol.1, Issue 3, page no.35-42, December-2016, Available :https://ijnrd.org/papers/IJNRD1612006.pdf

Volume 1 Issue 3, December-2016

Pages : 35-42

Paper Reg. ID: IJNRD_215424

Published Paper Id: IJNRD1612006

Downloads: 000121217

Research Area: Engineering

Country: -, -, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD1612006.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD1612006

DOI: https://doi.org/10.5281/zenodo.10836801

Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

ISSN: 2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar | ESTD YEAR: 2016

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

Publisher: IJNRD (IJ Publication) Janvi Wave

This work is licensed under a Creative Commons Attribution 4.0 International License and The Open Definition

Call For Paper - Volume 10 | Issue 8 | August 2025

IJNRD is Scholarly open access journals, Peer-reviewed, and Refereed Journals, High Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool), Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) with Open-Access Publications.

INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (IJNRD) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies. The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world. IJNRD will provide an opportunity for practitioners and educators of engineering field to exchange research evidence, models of best practice and innovative ideas.

Indexing In Google Scholar, SSRN, ResearcherID-Publons, Semantic Scholar | AI-Powered Research Tool, Microsoft Academic, Academia.edu, arXiv.org, Research Gate, CiteSeerX, ResearcherID Thomson Reuters, Mendeley : reference manager, DocStoc, ISSUU, Scribd, and many more

How to submit the paper?

Important Dates for Current issue

Paper Submission Open For: August 2025

Current Issue: Volume 10 | Issue 8

Last Date for Paper Submission: Till 31-Aug-2025

Notification of Review Result: Within 1-2 Days after Submitting paper.

Publication of Paper: Within 01-02 Days after Submititng documents.

Frequency: Monthly (12 issue Annually).

Journal Type: International Peer-reviewed, Refereed, and Open Access Journal.

Subject Category: Research Area