IJSRP, Volume 5, Issue 6, June 2015 Edition [ISSN 2250-3153]
Banks are financial entities hose prime concern in the well functioning of the economy represented by price stability and effective transmission of monetary policies through the financial markets. Regional Rural Banks are the youngest members in the family of rural banking in India. RRBs are mandated to purvey credit in rural areas, especially to the weaker sections of society. This innovation in rural credit institutions has a unique role in the enormous rural development. Thus, the RRBs in India normally depend on the internal guidance and functioning support in devising an effective policy and strategies for NPAs management. The present study is confined from 2006 – 2007 to 2010 – 2011 further the study depends mainly on secondary date obtained from the bank both published and unpublished. The NPA details of the Pandyan Grama bank were collected from the higher officials of the bank. This study is mainly analyses the three categories (D1, D2 &D3) of Doubtful Assets. The simple statistical tools like percentage and trend line techniques have been adopted for the study. It may be concluded from the analysis that the recovery performance better in Education Loans, Small Scale loans to the industries, Crop loan and Kisan Credit. But the recovery performance is very poor in Loans given to the Self Help Groups.