A comprehensive study on retail loans and NPA management: Root causes and strategic recommendations for mitigation
Abstract
This study on Retail Loans and NPA Management at State Bank of India, Kuniyamuthur, examines the growing issue of Non-Performing Assets (NPAs) in the retail segment. It identifies key causes such as relaxed credit appraisal, borrower over-indebtedness, unstable income, and weak post-loan monitoring. The project reviews SBI’s existing risk management, recovery systems, and compliance measures. Based on findings, it suggests strengthening credit assessment, improving customer awareness, using predictive analytics for early detection, and refining recovery practices. These steps aim to reduce retail NPAs and improve SBI’s portfolio quality and financial stability.
Fields of Study & Subjects
Banking Sector Performance and Management
Banking stability
regulation
efficiency
Microfinance and Financial Inclusion
Publication details
- Journal / source
- International Journal of Research in Finance and Management
- Volume
- 9
- Issue
- 1
- Pages
- 183–185
- Publication date
- 1 January 2026