Study of Non-Performing Assets (NPAS) of public sector banks and private sector banks in India

The rise of non-performing assets, often known as NPAs, is a major cause for worry in the Indian banking industry for a number of years. “A non-performing asset in India is any money advance or credit that has been past due for more than ninety days,” according to the Reserve Bank of India's definition. According to the Reserve Bank of India's circular form from 2007, "an asset becomes non-performing when it ceases to generate income for the bank." (RBI circular, 2007). Non-performing asset has been a chronic problem within the Indian banking system for a very long time. These assets have a significant impact on both financial stability and economic development. (Rao, M., & Patel, A.,2015). The purpose of this research study is to carry out a detailed comparative analysis of NPAs in the public sector banks (psbs) and the private sector banks in India. The research makes use of a combination of methodologies, combining quantitative analysis of information with qualitative insights to better comprehend the factors that contribute to NPAs and evaluate the efficiency of NPA management solutions in these two industries.