Bank Me NPA Kya Hota Hai?

Pichhle kuch samay se aap log NPA yani ki Non-performing asset ki khabren sun rahen hai, Jo ye ghotale hoten hai ise hi NPA kaha jata hai, To aap log bhi janna chahten honge ki akhir kya hai NPA. To aiye apko bataten hai ki kya hota NPA, NPA ke karan hi bahut se banko ki balace sheet dagmagai hui hai to yahan par ye sawal uthata hai ki akhir NPA kya cheez hai aur isse banko ko kaise nuksan uthana padta hai, to aiye aj hum apko iske baare me poori jankari deten hai.

NPA hota kya hai?

Jaise ki humne apko bataya ki NPA ka jo poora naam hai wo hai Non-performing asset hota hai aur hindi me iske matlab gair nishpadit sampatti hota hai. NPA ke poore naam se hi apko pata chal gya hoga ki NPA kya hai. Agar ab bhi aap nahi samajh payen hai to apko saral bhasha me bata den ki jab koi dendar matlab ki kisi bank ka karjdar apne bank ki kist yani ki EMI dene mein asafal hota hai to uske jo loan account hota hai Non-performing asset matlab NPA kahlata hai. Matlab ki bank ka wo karj jo doob gaya hai jiske wapas ane ki ummeed n ke barabar hai ya koi ummeed hi nahi hai ise hi NPA kahten hai.

Adhikatar ye dekha jata hai ki agar bank ke karj ki EMI yani ki kist 3 mahine par n jaye to us account ko NPA ghoshit kar diya jata hai ya ise ye bhi kah sakten hai ki jab bank ko kisi loan se return milna band ho jata hai to bank ke liye woh account NPA ya bed load ho jata hai, Loan ke kai classification hoten hai jaise standard, sub standard, doubtful aur lose asset.

Loan ke upar is prakar ki dikkat hone se bankon ke upar jyada fark n pade iske liye RBI ne uske provision karne ke kuch niyam banayen hai, Jisse ab banko ko provision ki rakam ko business se alag rakhni padti hai, ek report ke tahat ye pata chala hai ki jo hum apko bata de ki is samay bhartiya banko me 8.50 lacs crore ka NPA hai. Jabki ye rakam sirf 10% hoti hai jo ki is samay bahut hi jyada hai.

Is prakar aap jan gaye honge ki NPA (Non-performing asset) ya gair nishpadit samaptti kya hoti hai, ise padhne ke baad apko iske baare mein kafi jankari mili hogi ki NPA akhir kya hota hai. India mein bahut si aisi factories aur compnies hai jo bank se loan to le leti hai lekin baad mein use wapas karne mein me asafal hoti hai. Is wajah se bhartiya banko ko kafi nuksan uthana padta hai aur kafi pareshaniyan uthani padti hai.

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