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2350-0476, ISSN (Print): 2394-207X.

4. Reference: - Dr. S. Beulah Mabel, a study on credit appraisal system in canara bank with
special reference to sme branch, International Journal in Management and Social Science
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2394-207X.
5. Reference: - Souvik Ghosh, Housing Finance in India and Appraisal Process of
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7. Reference: - renu arora, archana singh, problems and obstacles in credit risk
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8. Reference: - Dr. M. Kumaraswamy and Nayan J Retail Credit Risk Management in

Indian Public Sector Banks global journal for research analysis (GJRA), Volume III,
IssueVIII, Aug, 2014, ISSN No 2277 8160.

9. Reference: - Dr. A.Vinayagamoorthy and M. Somasundaram, A Study on Personal

Loan in India global journal for research analysis (GJRA), Volume II, Issue V, May,
2013, ISSN No 2277 8160.

10. Reference: - Miss Neetu, A study of awareness about CIBIL and credit information reports
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Engineering and Management, Volume I, Issue 1, feb, 2014, ISSN No 2348-6627.PP29-34
11. Reference: - B M Misra and Sarat Dhal, Pro-cyclical Management of Banks NonPerforming Loans by the Indian Public Sector Banks, PP1-23
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An Empirical Investigation, International Asia-Pacific Finance and Accounting Review, Volume

I, Sr.No.2, Jan, 2013, ISSN No 2278-1838.PP25-34.
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(IOSR-JBM), e-ISSN: 2278-487X, p-ISSN: 2319-7668.PP10-19
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BANKS Measurement, Review Committee Ninth Capital Market Conference Indian
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International Journal of Advance Research in Computer Science and Management
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16. Reference: - C.S.Balasubramaniam non performing assets and profitability of

commercial banks in India: assessment and emerging issues, abhinav,national
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Modeling the NPA of a Midsized Indian Nationalized Bank as a Function of Advances,
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19 Reference: - Dr. Munish Makkad and Pallab Sikdar, a study of select indian
commercial banks aima Journal of Management & Research, Volume VII ,Issue 2/4
2012, ISSN 0974 497 ,Article 2.

20 Reference: - Satpal, A Comparative study of Non-Performing Assets in Public and Private

Sector Banks in the New Age of Technology International Journal of Current Engineering and
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23. Reference: - sahila chaudhry,sultan singh, impact of reforms on the asset quality in indian
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Terms of Credit of Public Sector Banks in India, An Empirical Assessment ;Reserve
Bank of India Occasional Papers Vol. 24, No. 3, Winter 2003

28. Reference: - Dr. Kavitha Lal Non Performing Assets the Challenges faced by
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29. Reference: - Dr. P.L Thakur, Confrontations and Chances in Indian Banking
Industry IGNITE - 2015ISSN 2394 269XVol. 01, No.01, Jan 2015 PP1003, 1-15

30. Reference :-Ashok Khurana and Mandeep Singh A Study of New Private Sector Banks in
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assets in india in the global context - similarities and dissimilarities, remedial
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MAGAZINES AND NEWSPAPERS

1.

Official Reports:

Report on Trend and Progress of Banking in India 2014-15, submitted to Central

Government in terms of Section 36(2) of the Banking Regulation Act, 1949, Published by
Financial Stability Unit, Reserve Bank of India, Mumbai.
Rangarajan C (2008), Report of the Committee on Financial Inclusion
Raghuram G. Rajan (2009), A Hundred Small Steps - Report of the Committee on
Financial Sector Reforms.

 Reserve Bank of India - Annual Reports and Report on Trend and Progress of Banking
in India, various issues.
Status of Microfinance in India: 2010-11, NABARD.
Nayak P. J ( 2014) Report if the committee to Review Governance of Boards of Bank in
India.
Annual Report RBI, (2009), Branch Banking Statistics
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www.cibil.in
www.rbi.org.in
www.hdfcbank.com
www.bankofmaharashtra.in
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www. sbi.co.in
www.pnb.in
www.populationofindia.co.in