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December 8, 2025Open Access

Non-Performing Assets (NPAs): Evolution, Impact and Institutional Reforms

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MMadhvi

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Overview

Analysis reveals Non-Performing Assets harm profitability and liquidity in the Indian banking sector, suggesting urgent reforms.

Key Points

  • Non-Performing Assets decrease profitability and liquidity, weakening banks' financial health.
  • NPAs significantly impair lending potential and increase provisioning burdens in Indian banks.
  • Observational analysis across several economic cycles demonstrates the evolution of NPAs since post-liberalisation.
  • Continued focus on credit discipline and institutional reforms is essential for sustainable banking health in India.

Cite This Study

Madhvi (2025) studied this question.

synapsesocial.com/papers/694020e82d562116f28fadabhttps://doi.org/10.5281/zenodo.17852860
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Non-Performing Assets (NPAs): Evolution, Impact and Institutional Reforms2025
  2. 2Non-Performing Assets: The Cause of Concern for Banking Industry2024
  3. 3Effects of Non-Performing Assets on the Banking Sector in India2024 · 7 citations
  4. 4Effects of NPA on Indian Economy2024
  5. 5Exploring the Dynamics of Non-Performing Assets in the Indian Banking Sector: Policy and Managerial Perspectives2025