1Associate Professor, School of management, KIIT University, Bhubaneswar, Odisha, India, Email id-bcmpatnaik@gmail.com
2Professor, D. Litt, School of management, KIIT University, Bhubaneswar, Odisha, India. Email id-ipseeta@ksom.ac.in
Online published on 10 May, 2018.
The present paper is an attempt to understand the present scenario of NPA in various banks. For this purpose the secondary data has been considered and it was found that the public sector banks are facing more problem in NPA as compared to private banks. The NPA in 2012–13 was Rs27, 231 crore and in 2016–17 it was Rs 81, 681 crore in overall banking sector in India. The scope of the paper is restricted to the NPA scenario in Odisha, India. This seriously impacts the efficient management of funds, reduces the profitability and reduces the available resources for mobilization of funds besides increasing the cost (Meena and Singh 2008). For total agriculture the overdue was 39.41% and contribution to NPA was 9.88%. In case of short term crop loan the NPA percent was 8.54% and its overdue percent was 38.06%. Incidentally housing loan had low NPA as compared to others. This is because government has resource to the hapless taxpayer's resources, rapidly available to paper over any problem. If the government really wants to tackle corruption and crony capitalism, it must prepare a roadmap to privatise the banking sector. Similarly in case of education loan the bank may not be able to do proper follow up for collecting the debt from the students who availed the loan for the higher studies.
NPA, Banking sector, loans, advances
