2025, Vol. 8, Issue 1

author(s)
Poonam and Manju Bala

abstract
This research examines the different types of loans offered by public sector banks in Haryana, focusing on their connection with Non-Performing Assets (NPAs). It delves into the factors influencing NPAs across various loan categories, assessing their effects on banking stability and economic development. By utilizing primary and secondary data sources, the study applies statistical methods such as trend analysis, correlation techniques, and regression models to identify patterns in NPAs. The findings reveal key reasons behind loan defaults and propose strategies to minimize risks, fostering stronger financial management within public sector banks. Ultimately, the study seeks to provide valuable recommendations for enhancing loan recovery processes and reinforcing the banking sector’s ability to withstand NPAs.