NEGATIVE IMPACT OF NPA ON INDIAN BANKING SYSTEM WITH EFFECT TO DIGITALISATION

The Indian banking sector has arisen together as the strongest drivers of India’s economic growth. The
Indian banking system has made outstanding advancement in the foregoing couple of periods, even during
the days when the rest of the world was floundering with financial meltdown. Moment, all the banks face
the matter of non-performing assets whether it's public sector bank or private sector bank. Unfortunately,
the Covid-19 has stopped economic activity across multifold sectors and hypercritically affected the
banking sector. This paper is aimed towards the review of on non-performing assets in Indian banking
sector. According to RBI (Reserve Bank of India), for any asset on which the interest remains un-payable
for a period of 90days,the asset becomes non-performing. Fast forward to 2021 digital lending has become
a reality and preferred route for the vast majority of Indian for its speed and convenience, many player are
available for providing MSME financing such as Lending kart, Aye Finance, Kreditbee,