Introduction The banking sector plays a crucial role in the economic growth and financial stability of any nation. Banks act as financial intermediaries, mobilizing deposits from the public and lending them to businesses, individuals, and the government. However, the smooth functioning of banks depends on the recovery of the loans they extend. When borrowers fail…
Introduction The stability and efficiency of a nation’s banking sector are crucial for its economic growth and development. In India, the rising volume of Non-Performing Assets (NPAs) has emerged as a major challenge, undermining the performance and credibility of the banking system. NPAs not only impair the profitability of banks but also restrict their capacity…
The banking sector in India is a critical pillar of the country’s financial system, facilitating economic growth, financial inclusion, and capital formation. Over the past few years, the sector has undergone significant changes, driven by regulatory reforms, digital transformation, and government interventions. However, it has also faced persistent challenges, including non-performing assets (NPAs), financial fraud,…