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PDF Editor FAQ

Are Mudra loans worth getting in context of the NPA?

There are two concepts for the loans granted by commercial banks and other financial institutions:Disbursement of all kinds of loan - the main business activity for any bank is to lend - earn interest income - pay interest for the depositors who had helped the bank through their funds - meet other administrative expenses - pay tax - calculate the profit generation - distribute the profit amongst the stakeholdersNon performing assets are on account of dishonest borrowers who forget the commercial banks who had helped them at the time of financial crisisMoreover commercial banks are also responsible for not utiising their efforts in recovering the amount from the borrowers. A person who knows as to how he can lend should also know as to how he should recover. This is pure laxity on the part of the bankers

How can I get data of NPA of banks?

Listed Banks publish NPA data in their website. Besides one can get published data from BSR statistics by RBI. Indian Banks Association also publish consolidated bank wise data for reference purpose.

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