NPA is a burning topic for the banking sector and many authors tried to study the

reasons of NPA, the problems created by NPA and the impact of NPA on the banking sector,
and moreover came to a solution or remedies of the growing problem of NPA. A number of
papers have been written and gone through, and this part of this paper is attempting to present a
review of all those are available in the same area of non-performing assets of the public sector
banks, private sector banks and other banks. This survey has conducted a study on the existing
papers, articles, journals, and reports provided by different authors, groups and committees
from time to time.
Rajaraman, I.,Vasishtha, G. (2001): The paper performs a panel regression on the
definitional uniform secondary data, on NPA available for a five-year period ending in 1999-
2000. The paper studies 27 public sector banks, and investigates variations within a class that is
homogenous on the ownership dimension and operational efficiency.
Reddy, P.K. (2002): This paper deals with the experiences of other Asian countries in
handling of NPAs. It further looks into the effect of the reforms on the level of NPAs and
suggests mechanisms to handle the problem by drawing on experiences from other countries.
Satpathy, I, Patnaik, B.C.M. (2010): The present paper attempted to examine the
causes of NPAs in home loans of commercial banks. For this borrowers of the loans were
surveyed through questionnaires made for the purpose, and ultimately suggestions given to
overcome the problem.
Patnaik, B.C.M., Satpathy, I. (2011): The present paper tries to analyze the
quantitative trend and pattern in growth of NPA with reference to the education loan scheme, in
Odisha. An effort was made to find the cause, by questionnaire survey of the defaulters, who
are students of different colleges, suggestions to overcome this problem was also given by the
author.
Kumar, M.,Singh, G. (2012): The paper focuses on the most significant factors, which
contribute towards the non-performing assets problem from the view point of the top bankers
of public sector banks and, some foreign banks in India and the measures required for
managing the NPAs

Pradhan, T.K. (2012): The present study is on Odisha, and depends on the
mismanagement or diversion of fund, which are one of the main causes of NPA. The
study is based on primary data which has been analyzed by percentage method. The
data was collected from 50 bank officials through a structured questionnaire.
Gupta, B. (2012): In this paper, study has been made on SBI and Associates, and public
sector banks, an effort has been made to understand the concept of NPAs, its magnitude and major
causes for increasing NPA and also evaluate the operational performance in managing NPA.
Kamra, S. D. (2013): This paper analyses the position of NPAs in the selected nationalised
banks namely State Bank of India (SBI), Punjab National Bank (PNB) and Central Bank of
India (CBI). It also focuses on the policies pursued by the banks to manage the NPAs and
suggests a strategy for the speedy recovery of NPAs.
Srinivas, K.T. (2013): The present paper undertakes to study the reasons for loans and
advances becoming NPA in the Indian Commercial banking Sector and give a suitable solution
to overcome the mentioned problem.
Dutta.A(2014): This paper studied the growth of NPA in the public and private sector banks
in India, and analysed sector wise non-performing assets of the commercial banks. For the
purpose of the study data has been collected from secondary sources such as report on Trend
and Progress of Banking in India, RBI, Report on Currency and Finance, RBI Economic
Surveys of India.
Tripathi, L. K., Parashar, A., Mishra, S. (2014): The present study, with the help of
multiple regression model attempts to investigate the impact of priority sector advances,
unsecured advances and advances made to sensitive sectors by banks like SBI group and other
nationalised banks on Gross NPAs of banks.
Arora, N., Ostwal, N. (2014): The present paper analyses the classification and
comparison of loan assets of public and private sector banks. The study concluded that NPAs
are still a threat for the banks and financial institutions and public sector banks have higher
level of NPAs in comparison to Private sector banks.

Research and Time gap in Literature

The different aspects of literature related to Non-Performing Assets of researchers over the
years have been collected and used for this study, but there is a huge time gap existing for the
comprehensive research on quality aspects of Non-Performing Assets. Most of the research
and studies are being done on causes, impact and management aspects of NPAs. My study is
related to the impact of NPA’s in public and private sector banks.