by Vipin Malik

Strives to highlight the loopholes in the banking and financial system and the possible remedies which, if adopted, can save the nation from the losses caused by such loopholes. In this book, the author has tried to dig deeper into many important issues pertaining to the NPA problems like aspects of recent hullabaloo on loan moratorium, public sector banks (PSBs) recapitalization issues, analysis of reasons of build-up of NPAs (due to economic and delayed banking sanctions), problems of written-off loans.The tiff between the central bank and the Government of India (GoI) which are very apt regarding the NPA issues plaguing the Indian banking sector. The book provides an eloquent background and analysis of how and why such NPAs or apparently good-looking loans turned bad. A broad objective of the book is to put forward a simple question: What is the justification from the banker’s and depositor’s point of view who are suffering hardships in getting back their hard-earned money despite not committing any fault? The primary purpose of this book is to highlight the loopholes in the entire system and to recommend possible remedies