"Νρα Management in State Bank of India"

Non-Performing Assets (NPAs) represent one of the most significant challenges confronting the Indian banking system, particularly within public sector institutions such as the State Bank of India (SBI). This research project provides a comprehensive examination of NPA management in SBI spanning the financial years 2018 to 2024. The study analyses the magnitude, composition, sectoral distribution, and temporal trends of NPAs, while evaluating the effectiveness of various recovery mechanisms including the Insolvency and Bankruptcy Code (IBC), SARFAESI Act. Debt Recovery Tribunals (DRTs), Lok Adalats. and One-Time Settlement (OTS) schemes The research employs a combination of secondary data analysis, ratio analysis, and trend analysis methodologies. Key financial ratios Gross NPA Ratio. Net NPA Ratio, Provision Coverage Ratio (PCR), Slippage Ratio, and Capital Adequacy Ratio (CRAR) reveal a substantial improvement in SBI's asset quality, with Gross NPA declining from a peak of 10.91% are examined over the study period Findings in FY2018 to 2.24% in FY2024. This improvement is attributed to proactive recognition of stressed assets aggressive recoveries, and regulatory reforms by the Reserve Bank of India The study concludes with strategic recommendations for sustained NPA reduction, including enhanced credit appraisal, early warning systems, digital monitoring, and strengthened legal recovery frameworks