An Analytical Study on Non-performing Assets of selected DCCBs (District Central Co-operative Bank) in Tamil Nadu.

Abstract

A Non-Performing Asset (NPA) refers to a classification for different types of loans and advances. A loan is in arrears when principles amount or interest payments are late or missed. A loan is in default when the lender considers the loan agreement to be broken and the debtor is unable to meet his obligations. The Non- Performing Assets do not generate interest but at the same time require banks to make provision for such Non- Performing Assets out of their current profit. This study was mainly focused influence of standard assets with non-performing assets.