Current Affairs: Non Performing Assets (NPAs) Explained.

NPA is a much debated issue and Govt. and banks, particularly public sector banks, are highly stressed due to the humongous burden of NPAs.
In the present video we are discussing about the definition and the nature of NPAs.
But the most important thing is the advice-cum-warning tendered by former Governor RBI Mr. Raghuram G Rajan while deposing before the Estimates Committee of Parliament.
He emphasized the need to closely monitor following types of lending else the banking system be prepared for even worse form of NPAs:
1. MUDRA loans,
2. Disbursements through Kisan Credit Card, and
3. Credit Guarantee given to MSME sector by SIDBI.
But at the same time Mr. Rajan suggested certain reforms as well to revamp Public Sector Banks.
At the end we must differentiate between the causes that create NPAs. Whereas willful defaulters must be dealt with iron hands but Govt in general and Banks in particular must support and facilitate such defaulters who are the victims of circumstances or are having valid reasons for the restructuring of their debt.

[@mkssingh9738]

Byjus is doing a great job

[@gayatripilla3837]

sir you have explained NPA in an under stable manner. Thank u sir and thank u byjus.

[@mohitraj2941]

nice one

[@nicholaskhupsian8529]

Written off assets or loans are those stressed assets which are written off from bank s balance sheet. the outstanding dues are repaid from banks profit (provisions), however recovery is still pursued "for the wrtten off amount only, excluding interest" . Loans are wrte off in exceptional cases like when it is confirmed that the borrower has genuine difficulty in meeting its regular repayment which has possibility of being extended indifinitely. If for example 2000 is write off on 2.3.2019 from the npa account, lets say customer comes back and say in 2030 let me repay my loan, only 2000 will be taken from him and the npa account closed without considering the interest payments.

[@nandinirajput2940]

Thanks a lot sir. Please continue this series

[@pramoddevil9714]

What is name of teacher ❤️❤️

[@ariftalikoti4647]

Thus the concept of NPAs got cleared... Thank you Sir

[@divyaprabha8698]

thank you so much sir for simplifying the topic in ENGLISH especially
being a non economics student this video was very useful for my preparation
heartfelt thanks to BYJU'S

[@archishmanchakraborty4935]

Very good class from Jha sir.

[@gokulvicky1482]

Very nice sir👍👍

[@Lalit_Singh457]

Thanks, sir please make more videos.

[@atindershankar894]

Thank you so much sir for this knowledgeable lecture.

[@aditya89cool]

thank you Byjus...

[@nirupaditalawar5511]

Thanku sir good knowledge

[@charuta_joshi]

Thank you so much sir 👍

[@aseemvaibhav1490]

Great Sir

[@vibhushukla6739]

We love you jha sir ... And sir as always you made our concept clear about the topic sir 🙏

[@akshayatri5843]

Simplest explaination of npa..... Tq sir

[@chinmayagartia978]

Thank u sir...pls provide PDF..it will help us more..

[@sika9719]

Pls share the ppt

[@sangavi2712]

Thank you sir..

[@muskansharma8770]

Sir thanks for it... The speciality about your video is that u try to simplify the concept n this is something which was missing in initial video

[@piyushintellect2465]

Thankyou Byjus ,Need more Conceptual Videos on Economics 👍

[@aneekroychoudhury668]

How does recognition fall in the domain of the government? Isn't it RBI's work?

[@VinodKumar-td2gw]

Thank you so much sir. Clearly explained...

[@jyotibade5292]

Excellent where the pdfs may download

[@motivation...5718]

plz starts a lecture series for economics.

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Great videos

[@harphoolsingh4665]

Sin Rav b

[@srikargrandhi4292]

Very good content But please up Lectures.... Thank you

[@ADARSHPRAMODKAPSEBCL]

Very nice and simple explanation

[@amarkishore881]

Thank you so much sir

[@shaikhussain6709]

Please provide pdf..

[@jyotisavalagi1943]

thank you sir

[@RaviKumar-fd5ei]

Sp jha sir you rocks

[@viralmedia7600]

Thanks

[@reeturaj113]

Thankyou sir

[@gauravmahato9028]

Thanks a lot sir

[@mudasirahmad1435]

Thnk you sir

[@nivaschari4303]

thank you by jus

[@kanchangautam6863]

Sir ap hindi me videos nhi bnate ho??

[@spspyadav6102]

Soni yaduvasi

[@spspyadav6102]

Sir mujhe English nahi aati

[@spspyadav6102]

Mujhe Samajh nahi aa raha hai

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sir pls hindi m v boliye

[@maxipamei1389]

Sir, your lecture is one of the best i have ever come across. Most of the concepts which i can retrieve while writing answers comes from the understanding i get from your teachings, as i was your student earlier. I am hopeful of getting it through the exam someday.

[@indiansoul4596]

जबर्दस्त सर

[@arunlalotra3599]

NYC way of explaining .....need more videos on economics based on current affairs....thanks ...

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sir please be fast

[@mjohnhaokip3893]

Thanks

[@sruthiification]

Thankyou sir

[@Enlightenwithshubham]

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[@anuanujkesharwani4035]

thank u sir