Banks and Financial Institutions (FIs) have made significant contributions to almost all the sectors of the Indian economy like agriculture, Industry, Trade, employment and Infrastructure. The ever increasing trends in deposits and credit speaks volumes for the performance of Indian banks and FIs. However, the NPAs in the credit portfolios have become a thorn in the flesh during the last one decade or so. NPAs not only affect the productivity but also sully the image of Indian banking. The quality of loan assets is the most important factor for the basic viability of the banking system. NPAs not only eat into profitability and hamper their ability to recycle funds, but also shake the public confidence which is crucial for existence of any financial institution. The present trend of NPAs is alarming and calls for rigorous and concerted efforts bybanks and financial institutions as well as government. This book is edited based on the selected papers which were presented by academicians and bankers in the National Seminar. This book is useful to the researchers as well as policy makers in the government.
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