QUESTIONNAIRE ON NPA

1. According to you what is NPA ?

a. when an asset ceases to generate income for the bank
b. if the customers do not pay principal and interest for a
certain period of time (90 days) ,it can be called as NPA ,
c. if periodical income is not generated for lender of money
,it is called as NPA
2 .what is the percentage (%) of NPA in your particular
branch ?
a) 1-4%
b) 4-7%
c) 7-10%
d) 10% &above
3.

what is trend of NPA in your bank ?

a) Highly decreasing
b) Slowly decreasing
c) Constant
d) Slowly increasing
e) Highly increasing
4 previously an asset be called NPA after 180 days, but now it is
being changed to 90 days in Indian context .do you agree with
it ?
Yes
No

5. Does NPA classified as

1.
2.
3.
4.

Standard asset
Sub standard asset
Doubtful asset
Loss asset

Yes
No

6. what are the reasons for assets becoming non performing asset
?
a) Managerial deficiencies during work
b) Lack of knowledge of the area of handling
c) Lack of timely actions
d) Lack of adequate efforts for recovery
e) Lack of proper verification of the genuine purpose of loans
and advances

7 .what are the different advances treated as non performing ?

a) Agricultural loans
b) Non agricultural loans
c) Cash credit
d) Over drafts
e) term loans
f) housing loan
8.Do you have similar recovery strategy in all sectors and in all
geographical regions ?
Yes

9.Do you think there are the alternative ways to reduce the NPA ?

a) Proper appraisal before lending

b) To reduce unsecured loans political recommendations should
not be encouraged
c) Lending at low rate of interest to farmers so that repayment
is made easy
Yes
No
10 . Do you think factors contribute to NPA ?
Internal factors
1.
2.
3.
4.

Defective Lending process

Inappropriate technology
Poor credit appraisal system
Managerial deficiencies

External factors
1.
2.
3.
4.

Willful Defaults
Industrial sickness
Lack of demand
Change on Govt. policies
Yes
No

11. Do you think any one the strategy below mentioned is helpful
to reducing NPA ?
Securitization of asset (Debt)
Legal recovery

Yes
No