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Recovery of Non-performing assets- A challenge for Indian Financial Institutions

The financial institutions or the banks involve in the lending activities with the aim of generating some returns instead that the banks need to wait for many a time to get interest payment by the borrowers, because the borrowers were not running with the good. This leads to banks have a positive growth of the NPAs and negative growth of the profit since the NPAs ultimately affect the profit. These NPAs will not only affect the profit but also give birth to so many problems, such as problem in liquidity, loss of shareholders interest, capital in adequacy, insolvency, etc., there should be a strict requirement of strict action to be taking on control and recovery of the NPAs. An attempt was made to understand the reasons contributed for the NPAs and impact of NPAs on the banks as well as on the market, and also to give possible suggestions for the recovery of NPAs. For the purpose of the study secondary data was collected from the SBI and Canara Bank website about the statistics of the NPAs and also referred articles and journal. The findings of the study reveals that improper recovery channels and the unpredictable market trends make the borrowers not to make the settlement, for that it is suggested that to formulate the effective strategies so that the smooth recovery can be done, and also recommended to use the following suggestions which are listed below for the betterment of the banks in recovery of NPAs. 