A Comparative Study of NPAs of Public and Private Sector Commercial Bank against Loans to SHGs
- Author Anoop Patel
- DOI https://ww
- Country : India
- Subject : Commerce
Keywords : NPAs, SHGs, microfinance, poverty, households, loans.
Abstract
Indian banking sector is continuously facing problem of NPAs in spite of several efforts by Government of India as well as RBI. Present research paper is about NPAs in concern with SHGs, commonly known as Self Help Groups. SHG being a part of microfinance tools which deals with eradicating of poverty especially in rural areas where access of financial help is still out of reach to rural households. SHGs provide financial help to rural households with the help of banks as banks provide loans to SHGs at very cheaper rate of interest and then SHGs provide these loan amount to their members. Loan provided by the banks to SHG, which are not repaid by the groups, gradually become NPAs. So, this paper is an effort to study comparatively the NPAs of private and public sectors banks in concern with loan granted to SHGs by these banks. Data used for present study is secondary in nature and various tools and techniques are used in this paper as per the requirements of the study.
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