A Study on NPA Dynamics and Recovery Strategies in Indian PSBs

Abstract: This research paper delves into the Non-Performing Asset (NPA) trends of five major public sector banks in India: Bank of India (BOI), Central Bank of India (CBI), Indian Overseas Bank (IOB), State Bank of India (SBI), and UCO Bank over the period from 2014 to till date. Through quantitative analysis of financial statements and qualitative reviews of policy shifts, economic factors, and regulatory interventions, this study evaluates the magnitude, causes, and outcomes of NPAs. It offers a comprehensive understanding of sectoral risk, credit quality, and recovery mechanisms employed by these banks to address asset stress.