International Journal of Applied Research
Vol. 2, Issue 1, Part C (2016)
Banking sector reforms and non-performing assets: A study of Vijayapur district Co-operative banks
Jayashree R Kotnal, Dr. Meena R Chandawarkar
Non-performing assets had been the single largest cause of irritation of the banking sector of India. Earlier, the Narasimham Committee-I had broadly concluded that the main reason for the reduced profitability of the commercial banks in India was the priority sector lending. The committee had highlighted that 'priority sector lending' was leading to the buildup of non-performing assets of the banks and thus it recommended it to be phased out. Subsequently, the Narasimham Committee-II also highlighted the need for 'zero' non-performing assets for all Indian banks with International presence. The management of non-performing asset is crucial aspect for any banking institution. The banks cannot have sustenance unless the fund disbursed by it to the clients is recovered and recycled. The management of NPAs in Co-operative banks is a really robust challenge and cumbersome task since, the Co-operative banks are mainly based in rural areas the people and the numbers of defaulters are more. In this background a case study was taken based on the case nonperforming assets of co-operative bank. RBI has brought in a series of reforms to reduce the NPAs of Co-operative banks. On the bases of this and having main objective, a study was carried out to analyze the measures and ways to reduce NPAs in Co-operative banks of Vijayapur, District.
How to cite this article:
Jayashree R Kotnal, Dr. Meena R Chandawarkar. Banking sector reforms and non-performing assets: A study of Vijayapur district Co-operative banks. International Journal of Applied Research. 2016; 2(1): 153-158.