Managing Npas In Public And Private Sector Banks: A Comparative Study Of Strategies And Effectiveness

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Published: Dec 1, 2023
DOI: https://doi.org/10.53555/jrtdd.v6i1.3540
Keywords:
Non-Performing Assets, Public Sector Banks, Private Sector Banks, NPA Management, Asset Quality, Banking Strategies, India.

Main Article Content

Anu Singh
Dr. Ajay Kumar Chaturvedi

Abstract

NPAs are a long-standing challenge for the Indian banking sector, and they pose significant threats to the financial system and profitability. The current study presents a comparative evaluation of strategies used by public and private sector banks in tackling NPAs and examines strengths and limitations of each. Through a mixed-method research approach, the present study explores the driving factors behind NPAs accumulation, sectoral regulatory distillation, and bank-specific rescue methods respectively. Using financial data, policy frameworks, and case studies, the research evaluates the efficacy of asset reconstruction, legal measures, and technological approaches like Artificial Intelligence (AI) and data analytics in managing NPAs. Private sector banks have demonstrated superior asset quality, as they employ robust risk management and stringent credit appraisal processes compared to public sector banks that are highly dependent on regulatory- and government-driven recovery mechanisms. The study concludes with policy recommendations to improve NPA management strategies and thereby the overall resilience of Indian banking system.

Article Details

How to Cite
Anu Singh, & Dr. Ajay Kumar Chaturvedi. (2023). Managing Npas In Public And Private Sector Banks: A Comparative Study Of Strategies And Effectiveness. Journal for ReAttach Therapy and Developmental Diversities, 6(1), 2420–2424. https://doi.org/10.53555/jrtdd.v6i1.3540
Issue
Vol. 6 No. 1 (2023)
Section
Articles
Author Biographies

Anu Singh

Research Scholar, Department of Economics, IEC University

Dr. Ajay Kumar Chaturvedi

Dean, Professor, Department of Humanities and Social Sciences, IEC University Baddi (H.P.) India

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