NPA in Housing Loan - A Case Study
‘PMR’ Pravara Management Review, Pune, Vol. 9, No. 1, pp. 15-18, January–June 2010
Posted: 3 Nov 2012
Date Written: June 1, 2010
Abstract
NPA is recent but one of major reforms in banking sector focuses on profitability of bank. Present research is descriptive inferential case study in nature, studied NPA position of housing loan in a cooperative bank situated at semi urban area which is surrounded by villages. Study found majority of NPA accounts holders are farmers and major reason of NPA is irregular income. Housing loan primarily render for repairing of house and natured as short term loan. Present paper is an effort to throw light on intricacies of housing loan accounts in cooperative banks in the vicinity of rural area. Article concludes that housing loan should be routed through organized sector that has reasonable control over farm products to come over problem of NPA.
Keywords: NPA, cooperative bank, rural area, housing loan
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