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    A Study on Non Performing Assets With Reference to Dena Bank Limited
    (2016-09-07T12:19:07Z) Ashwin Kumar, V K
    This project entitled “A study on Non Performing Assets with reference to Dena Bank Limited “involved understanding the various aspects of NPA in banking industry. It shows us how the NPA is identified and classified into different stages. The main objective is to evaluate Gross and Net Non performing Assets in Dena Bank by studying the past trends of Non Performing Assets in Dena Bank. And also to find out the reason and frame effective measures for preventing NPA. According to the graphs the findings show there is a sharp increase in the NPA in the years 2013-2014 and 2014-2015 which is due to 2 major accounts turning bad , NRI deposit has seen a remarkable difference due to fresh canvasing , Substandard Assets are showing a downward trend by an increase of 18 crores which is proportional to the NPA movements , A raise in the doubtful assets in 2014 and 2015 by bad accounts , Non priority increase due to fresh advances in the year 2015. Recovery in NPA is due to the cash recovery in many accounts. Over due term deposit is seen a change in the year 2015 due to the matured deposit renewed . According to the findings the suggestions are that the Government should update the NPA Recovery process which is fast and effective . Banks should find out the actual reason for loan application and then grant loan on the basis of the finding . The bank is bound to achieve the targets set by the government in the priority sector which includes agricultural loans which contributes majorly to NPA in this regard, government has to relax some norms in the priority sector. Regular check on the stocks and assets of the borrowers must be done so that the bank is aware of the position of the borrowers. Bank should make separate department whose duty is only to inquire about the personal goodwill of the prospective borrower apart from their financial assets. Bank should lend money only when it is secured against the asset of the borrower.