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All Journal Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK)
Abhijith Sankar
Department of Economics, Bharathidasan University, Tiruchirappalli, Tamil Nadu
Economics, Econometrics & Finance

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The NPA Menace: A Study of Non-Performing Assets in India's Co-Operative Banks Abhijith Sankar; Natarajamurthy P
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 2 (2026): Edisi Mei 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i2.3120

Abstract

The prevalence of Non-performing Assets has been a persistent problem faced by the Indian banking sector in general and the Indian co-operative banking sector in particular. In this context, the present study undertakes a descriptive and trend-based empirical examination of NPA patterns among the various types of urban and rural co-operative banks in the country over the period of more than two and a half decades (1996-97 to 2022-23). This study conducted a descriptive, trend-based, and CAGR-based examination of the Gross Non-performing Assets of the various segments of India’s co-operative banking sector. The study finds a bifurcation in Gross NPA ratios across the co-operative sector during this period: Urban Co-operative banks and the short-term rural credit structure (StCBs and DCCBs) showed sustained improvement in asset quality, whereas the long-term rural cooperative credit structure (SCARDBs and PCARDBs) recorded deterioration. These findings imply that policy attention has been concentrated on the urban cooperative segment, while the long-term rural credit structure, despite a greater need for intervention, has received less sustained reform focus. A comprehensive strategy across the cooperative credit structure is imperative to ensure India's cooperative banking sector's long-term sustainability and credit access for underserved populations.
Co-Authors Natarajamurthy P