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Chirag Jain
Chirag Jain
A critical study of loan scheme offered by SBI bank with regard to rise in NPA
Every bank and SBI has a separate set of rules, such as those governing
interest rates, processing costs, maximum loan amounts, loan terms,
procedures for leasing or mortgaging property, and loan recovery. People
don't know about all these things, therefore it's important to research which
banks and SBI offer loans with the fewest restrictions and where clients
might profit from a sizable loan. Studying the services or programmes
offered by these various banks and SBI is necessary. I have thus chosen to
compare the methods used by the bank and SBI to sanction loans. The
report also addresses the challenges associated with obtaining a loan from a
bank. Therefore, I decided to evaluate the process for approving loans
schemes , the range of interest rates, and the challenges that arise while
doing so and to analyze the NPA and Its relevance in SBI
Objectives of the Study
1.To study the concept of Non- Performing Assets and its relevance in the SBI.
2. To Study the impact of NPA in profitability of SBI.
3. To Study the loan schemes really responsible for raising NPA
H1: There is a Significance relationship between loan schemes of SBI and NPA.
H2: There Is a Significance association between NPA and Profitability Of SBI
Research Methodology
• The study: To study the stated objectives, this study is a fact finding and
analytical in nature of SBI
• Sample Design: The study is based on secondary data and data has been collected
from annual reports of the SBI website for the above analysis . The present study
covers three year period ranging from 2020-23
• Data Collection: The Secondary data was collected from the annual report of SBI.
Annual Audit reports information Collected through RTI Application
• Data Analysis Tools: Correlation, Coefficient of determination, ANOVA, and
Friedman Test
• Period of the study: Three years data during the period 2020-23 was considered
for the study.
Refrences
• Agarwala and Agarwala (2019), A critical review of non-performing assets
in the Indian banking industry.
• Gupta (2012), A Comparative Study of Non-Performing Assets of SBI & Associates
& Other Public Sector Banks, SIT Journal of Management, Vol. 2. No. 2. December
2012. Pp.175-189
• Wadhwa and Ramaswamy (2020), Impact of NPA on Profitability of Banks, Volume
No.4, May-2020 DOI: 10.46647/ijetms.2020.v04i03.001
• Nerkar and Dhongde (2018), A critical analysis of educational loan schemes of
banks and their role for Socio Economic development in India, [VOLUME 5 I ISSUE
2 I APRIL – JUNE 2018]
• Koley (2019), Analysis of Financial Position and Performance of Public and Private
Sector Banks in India: A Comparative Study on SBI and HDFC Bank, Vol.2 No.1 (Jan.
2019)