Predicting NPA's in the Indian Banking Sector and a Bad Bank solution

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Mr. Saurabh Savant, Prof. Rahul Dhaigude

Abstract

India's economic performance over the past few years has been slowing down. The annual GDP growth rate of India has gone down owing to the multiple bank failures and a global slump in demand. Today as the coronavirus has taken a significant hit on global consumption due to the nationwide lockdown imposed across various countries, we can see the businesses with a large amount of debt in distress. This has created new pressure on the banks to set aside additional capital to tackle the current rising NPA problem.  The objective of this research paper is to predict India's Gross NPA percentage post-covid-19 in FY 2021 and finding a suitable Bad bank model that can be adapted to deal with the current NPA crisis.

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