• Zala Krushnavirsinh R.

This study aims to provide a comprehensive analysis of Non-Performing Assets (NPAs) within the Indian banking sector. The research objectives are twofold: firstly, to delve into the fundamental concept of NPAs, elucidating their nature, implications, and significance within the banking industry; secondly, to assess and analyze the trends and performance of NPAs in selected private sector banks operating in India. The study relies primarily on secondary data sources, with data collected from the Annual Reports of various banks, which serve as valuable repositories of financial information critical for evaluating NPAs. Three leading private sector banks, namely Axis Bank Ltd, HDFC Bank Ltd, and ICICI Bank Ltd, have been chosen as the sample for this study to provide a well-rounded representation of the Indian banking landscape. The period of data coverage spans from the fiscal year 2012-13 through 2021-22, allowing for a comprehensive decade-long analysis of NPA trends. This research endeavors to contribute meaningful insights into NPA dynamics in the Indian banking industry, aiding in the formulation of informed strategies and recommendations for effective NPA management and overall financial stability.

NPA, Private Sector Banks, Non-Performing Asset

"Evaluating Non-Performing Assets in the Indian Banking Industry", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 8, page no.h355-h362, August-2023, Available :http://www.jetir.org/papers/JETIR2308739.pdf

"Evaluating Non-Performing Assets in the Indian Banking Industry", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 8, page no. pph355-h362, August-2023, Available at : http://www.jetir.org/papers/JETIR2308739.pdf