1Assistant Professor & Research scholar,
Bank is an institute in which the general public, employees and organizations can deposit their savings and can take loan as required. It is the back bone of financial system which strengthens the economy as a whole. As we know that public, private and foreign banks are the types of banks; all have to follow the guidelines of RBI (Central bank of India). RBI has to keep a keen eye on the functions of banks. Borrowings and lending are the main functions of a bank. A banker should be very cautious in lending, because banker does not lend money only out of his own capital. A major portion of the money lent comes from the depositors money. At present NPA is like a termite for the economy. The bad loans of commercial banks as on the end of June 2017 were Rs. 8 lakh crores. In this direction the present paper highlights present level of NPA in public and private sector banks, and also compares public and private sector bank's NPA with some parameter like statistically significance, effect of advances on gross NPA. For analyzing these parameters, the researcher has used T-test.
Non-performing Assets, Public banks, Private banks and RBI
