Navigating COVID-19: Trends in non-performing assets of Indian Commercial Banks

Abstract

The effect of the COVID-19 pandemic on non-performing assets in Indian commercial banks is examined in this study. Through the examination of data from the pre-pandemic and post-pandemic periods, the paper evaluates shifts in non-performing assets and the fundamental factors influencing these shifts. According to the research, there was a noticeable decline in non-performing assets after the pandemic. It also examines the regulatory actions in reducing the nonperforming assets. The findings highlight the necessity of focused legislative initiatives and improved risk management systems to handle the changing issues facing the banking industry. It also touches upon the role played by write-offs in reducing NPAs. Policymakers, banking experts, and scholars interested in financial stability and risk management in emerging economies would find this study to be highly insightful.