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Banking Sector Reforms and NPA: A Study of Indian Commercial Banks

Author

Listed:
  • Meenakshi Rajeev

    (Institute for Social and Economic change)

  • H P Mahesh

Abstract

The issue of non-performing assets (NPA), the root cause of the recent global financial crisis, has been drawing the attention of the policy makers and academicians alike. The problem of NPAs, which was ignored till recently,has been given considerable attention after liberalisation of the financial sector in India. This exploratory paper examines the trends of NPAs in India from various dimensions and explains how mere recognition of the problem and self-monitoring has been able to reduce it to a great extent. It also shows that public sector banks in India, which function to some extent with welfare motives, have as good a record in reducing NPAs as their counterparts in the private sector. The paper also discusses the role of joint liability groups (JLGs) or self help groups (SHGs) in enhancing the loan recovery rate.

Suggested Citation

  • Meenakshi Rajeev & H P Mahesh, 2010. "Banking Sector Reforms and NPA: A Study of Indian Commercial Banks," Working Papers 252, Institute for Social and Economic Change, Bangalore.
    • Handle: RePEc:sch:wpaper:252
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    File URL: http://www.isec.ac.in/WP%20252%20-%20Meenakshi%20Rajeev%20and%20H%20P%20Mahesh.pdf
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    Citations

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    Cited by:

    1. Nikhil Garg, 2019. "Decoding the Great Indian Recapitalisation Plan: Restoring the Health of Public Sector Banks in India," South Asian Survey, , vol. 26(1), pages 28-54, March.
    2. Pramahender, 2022. "Critical Perspectives to Non-performing Assets of Indian Banks, Shrinking Balance Sheet, Challenges and Way Ahead," FIIB Business Review, , vol. 11(2), pages 130-136, June.
    3. Dolly Gaur & Dipti Ranjan Mohapatra, 2021. "Non-performing Assets and Profitability: Case of Indian Banking Sector," Vision, , vol. 25(2), pages 180-191, June.

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