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<p>Non-performing assets remained a paramount problem in the Indian banking sector despite several regulatory, policy, and supervisory responses and treatment enforced by the regulatory bodies and the government. The present paper seeks to analyse the trend of NPA ratio in India between GFC and COVID-19, along with the trend of some important microeconomic and macroeconomic determinants. The paper also critically analyses the policy, regulatory, and supervisory measures adopted by the regulators of the financial sector to control the NPAs and bring it down to a manageable level, as well as evaluate the recovery of loans through various channels. Finally, the paper critically analyses the initiative taken by the government of India and the central bank during the COVID-19 pandemic to relieve the banks and banking business and avoid the possible surge of NPAs.</p>

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Resolution of non-performing assets: regulatory, supervisory and policy response in India in pre- and post-COVID-19 scenario

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  • 发表日期：

    2025年4月11日

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  • Ayush Dimri

摘要

Non-performing assets remained a paramount problem in the Indian banking sector despite several regulatory, policy, and supervisory responses and treatment enforced by the regulatory bodies and the government. The present paper seeks to analyse the trend of NPA ratio in India between GFC and COVID-19, along with the trend of some important microeconomic and macroeconomic determinants. The paper also critically analyses the policy, regulatory, and supervisory measures adopted by the regulators of the financial sector to control the NPAs and bring it down to a manageable level, as well as evaluate the recovery of loans through various channels. Finally, the paper critically analyses the initiative taken by the government of India and the central bank during the COVID-19 pandemic to relieve the banks and banking business and avoid the possible surge of NPAs.