This paper is published in Volume-6, Issue-6, 2020
Area
Finance
Author
Mayank Dandhare
Org/Univ
Balaji Institute of Modern Management, Pune, Maharashtra, India
Pub. Date
10 December, 2020
Paper ID
V6I6-1191
Publisher
Keywords
Non- Performing Assets (NPAs), Lending Loan, Negative Impact on Economy, Mudra (Micro Units Development and Refinance Agency)

Citationsacebook

IEEE
Mayank Dandhare. Impact of government finance scheme on increase in NPAs of banks – A review, International Journal of Advance Research, Ideas and Innovations in Technology, www.IJARIIT.com.

APA
Mayank Dandhare (2020). Impact of government finance scheme on increase in NPAs of banks – A review. International Journal of Advance Research, Ideas and Innovations in Technology, 6(6) www.IJARIIT.com.

MLA
Mayank Dandhare. "Impact of government finance scheme on increase in NPAs of banks – A review." International Journal of Advance Research, Ideas and Innovations in Technology 6.6 (2020). www.IJARIIT.com.

Abstract

The financial structure of the country plays an important role in the development of the country. It saving and investment of all classes in the economy to create wealth. As banks earn money on the basis of interest provide on the loan amount and other schemes. As money lent by the bank have to be recover after particular time period of time. Sadly, sometimes it not goes by the path defined. Many borrowers fail to return money back to the bank in the form of interest on loan taken. So eventually it became non- performing asset on bank and it creates negative impact on the bank. The purpose of this study is to determine the pattern in growth of gross NPAs in banking industry as well as to determine which measures should be taken to save an asset from becoming NPAs. This is an exploratory study which is conducted by involving the data provided by government website data.gov.in. This study identifies the fact that impact of government finance schemes MUDRA on rising of NPAs of banking industry. It also gives solution on how banks should approach towards lending loans under such schemes such that it prevents the asset from becoming NPA in future.
Paper PDF