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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016 Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) |
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| Paper Title: | Investigating loan defaults and its impact on public sector banks in India |
| Authors Name: | Vanshika Shorewala |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJNRD_191002
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| Published Paper Id: | IJNRD2304287 |
| Published In: | Volume 8 Issue 4, April-2023 |
| DOI: | |
| Abstract: | The banking industry plays a pivotal role in development and growth of the economy. The level of NPAs act as an indicator of the financial soundness of the banking sector. This study aims to investigate the impact of loan defaults on the profitability of public sector banks in India. Correlation analysis has been used to examine the relationship between loan defaults (gross NPAs), provisions for NPAs and profitability of public sector banks. Primary data has been collected by interviewing credit managers of different public sector banks in Mumbai to understand the factors considered for loan disbursals, recent trend in NPAs and steps taken by banks and regulatory authorities to address the same. The research utilizes secondary data from the annual reports of 5 public sector banks for the period of 2013 – 2022. The findings of the study reveal that increase in loan defaults has a significant negative impact on the profitability of public sector banks in India. The paper also highlights the systematic and efficient steps taken by the government in the recent years to mitigate loan default risks and maintain the profitability of public sector banks. |
| Keywords: | Non-performing assets, NPA provisions, Profitability, Public sector banks, Loan defaults |
| Cite Article: | "Investigating loan defaults and its impact on public sector banks in India", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.8, Issue 4, page no.c690-c700, April-2023, Available :http://www.ijnrd.org/papers/IJNRD2304287.pdf |
| Downloads: | 000118755 |
| ISSN: |
2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID:IJNRD2304287 Registration ID: 191002 Published In: Volume 8 Issue 4, April-2023 DOI (Digital Object Identifier): Page No: c690-c700 Country: Mumbai , Maharashtra, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2304287 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2304287 |
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ISSN: 2456-4184
Impact Factor: 8.76 and ISSN APPROVED
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