Non-performing Assets In Jhajjar District Central Cooperative Bank - An Overview

The financial position of Co-operative Banks in India is not sound at present and the main factor which is responsible for it is high ratio of Non-performing Assets (NPAs). The presence of NPAs affect the profitability of the banks. So today NPAs is a major concern of these banks and policy makers. There are a number of causes of high NPAs like ? Loan Waiver Scheme, Lack of professionalism among the loan officers, poor credit appraisal system. The present article aims at examining the trends of NPAs in co-operative banks and its causes especially in the district of Jhajjar in the State of Haryana.