A critical evaluation of NPAS of public sector banks in India Dahiya Aakansha1, Dr. Chhikara Kuldip Singh2 1Assistant Professor, Department of Commerce, Kanya Mahavidyalaya, Kharkhoda, Sonepat. Gmail- adsweetad@gmail.com 2Professor, Department of Commerce and Director DDE, Maharshi Dayanand University, Rohtak. Gmail- kschhikara.mdu@gmail.com Online published on 4 June, 2019. Abstract The present study examines the trend and growth of gross and net NPAs, provisions and write offs of PSBs in India over a period of eleven years (2006–07 to 2016–17) on the basis of secondary data collected from various sources such as reports of RBI, Reports on trend and progress of banking sector in India, Database on Indian Economy, etc. and were analyzed with the help of various statistical tools and techniques such as mean, standard deviation, coefficient of covariance, CAGR, etc. It is established through the results of the study that NPAs of PSBs were increasing rapidly with a very high compound annual growth rate (33 per cent) as compared to their advances with CAGR (14 per cent) during the period under study and provisions made by PSBs for NPAs were almost 81 per cent of that of SCBs which clearly shows that PSBs have major share in the NPAs and provisions of SCBs during the period under study. Moreover, the total write offs done by PSBs were 10 per cent of their total gross NPAs during the period under study, which were almost 75 per cent of total write offs done by SCBs. Top Keywords Bank, NPAs, provisions, write offs. Top |