2026, Vol. 9, Issue 1

author(s)
L Karthikeyan, Aravind Krishnan R, V Suresh Kumar and Yureaka B

abstract
This study on Retail Loans and NPA Management at State Bank of India, Kuniyamuthur, examines the growing issue of Non-Performing Assets (NPAs) in the retail segment. It identifies key causes such as relaxed credit appraisal, borrower over-indebtedness, unstable income, and weak post-loan monitoring. The project reviews SBI’s existing risk management, recovery systems, and compliance measures. Based on findings, it suggests strengthening credit assessment, improving customer awareness, using predictive analytics for early detection, and refining recovery practices. These steps aim to reduce retail NPAs and improve SBI’s portfolio quality and financial stability.