A Systematic Literature Review on Non-Performing Assets in the Indian Banking Sector
Chinmayi G M
The Indian banking sector plays a crucial role in the economic development and financial stability of the country. However, the rising amount of NPAs has posed a severe challenge to the financial performance, liquidity, portfolio quality, and profitability of banks. The current research presents a comprehensive review of the existing literature on Non-Performing Assets in the Indian banking industry. The review study is based on secondary information obtained from published research articles in national and international journals. The selected studies include many elements of NPAs such as their origin, drivers, effect on bank profitability, public vs commercial banks, recovery process, legislative changes and risk monitoring techniques.