Demystifying npas on education loan: A survey (with special reference to selected urban, rural areas and bank officials of Odisha)

The quantum of NPA of Indian Banking has undergone a significant decline. Still it is high by international standards and posing a serious problem of the Indian banking sector affecting its earning capacity and profitability. Present paper makes an attempt to analyze the quantitative trend and pattern in growth of NPA with reference to education loan scheme. An effort has been made to analyze the causes of default by surveying defaulters. Odisha was selected for the study from the point of view of accessibility of the researcher to collect the data and able to finish the research with in a stipulated period. The bank officials of selected branches and the students of different colleges in Urban, Rural area are surveyed through questionnaires made for the purpose. Different factors causing NPA on student loan scheme are analyzed and suggestions made to overcome the problem. For the purpose of confidentiality we are not mentioning the names of the bank.