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| Comparative study of Kotak Mahindra Bank's PSL & Non PSL NPAs |
Mr. Anilkumar Nirmal, Dr. Purvi Derashri, Dr. Anant Deogaonkar
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Abstract:
Kotak Mahindra Bank is one of the most profitable bank in the Indian domain since the last one decade. With the leading and creative products in its kitty, KMBL has also positioned itself among the top banks of the Indian banking industry. For the period 2014 to 2019, we conducted the research on these banks taking into account the NPAs' priority sector lending and non-priority sector lending figures, as NPAs are critical ratios to understand when you want to study the business. For the analysis, secondary data from the Kotak Mahindra Bank's annual report is used and is readily available on the bank's website. Although studying the basic assumption of NPAs, the priority sector must contribute more NPAs than the non-priority sector in the bank, as the priority sector is less structured than the non-priority sector, but to look at this, the analysis gives us different points of view. We compared the priority subsector NPAs and their association with the comparative analysis of PSL NPAs, Non PSL NPAs and Gross NPAs in this study to better understate the pattern and direction of Kotak Mahindra Bank.
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