Trends of NPAS in selected public & private sector banks

Finance is the core of socio economic growth trajectory of a society. Banking sector occupies an important place in a nation's economy. The role of a bank is to collect money from those who have spare money and lend this money to those who really need it. On 19 July, 1969 Government of India nationalized 14 Commercial Banks. After Nationalization credit to the priority sectors like agriculture, Small scale industries were increased by the Banks. But despite of increase in deposit, credit granting to priority sectors, some public sector banks became financially weak and incurred losses. The reason of these losses was mainly providing loans to priority sectors at a very low rate of interest, sometimes Public sector banks were also bounded by the government for lending in priority sectors to insolvent parties who were not in a position to pay back their dues. Consequently, their loans covert into bad and doubtful debts, known as Non Performing Assets. There is no doubt that a lot of study has been conducted, time to time on banking sector but in present time huge amount of bank loan was convert into NPA. So the present study examine the Trends of NPAs in selected Public & Private Sector Banks. The study covers the period from 2011–12 to 2017–18. In this study, various Statistical tools like Average percentages, Mean, S.D, C.V. & ANOVA Test are used for analysis and interpretation of the data.