Name: Pitresh Kaushik, Saptarshi Chakraborty
Country: India

Year: 2021
Volume: Volume-8, Issue-2 (July-December)
Page Number: 12-15

ABSTRACT
The growth of the Indian economy depends on the working of the banking sector of the country. One
of the major important factors that helps in measuring the position and the health of the banking sector
is the size of the NPA. It affects the profitability in the banks in terms of rising the cost of
capital, increase in risk perception which thereby affects the liquidity position of the bank. In this
chapter we are here to examine the level of NPA of the Indian Banks and then analyse the reason for
the change of NPA. Data from 5 leading banks of the country was extracted from the RBI database to
analyse the trend of NPA in the past 17 years. Along with that the impact of Covid-19 was also
analysed in the context of NPA. It was found that despite the pandemic and Moratorium banks were
able to improve their NPA figures.
Key words: Indian economy, Leading Indian Banks