The Union Government has announced that the Non-Performing Assets (NPA) of commercial banks have increased by around 4% in the last one year (March 2015 to March 2016). 
•    It was announced by Union Minister of State for Finance (MoS) Santosh Gangwar in a written reply to the Rajya Sabha. 
•    The NPA of banks was 5.43 percent in March 2015 which has risen to 9.32 percent in March 2016. 
•    The high incidences of NPAs are mainly related to power, road, steel, textiles and other sectors. 
•    NPA amounts are related to 417 stalled infrastructure projects where public sector banks have invested is over 66478 crore rupees. 
•    NPAs are loans made by a bank or finance company on which repayments or interest payments are not being made on time. 
•    The loan is considered to be a NPA once the borrower fails to make interest or principal payments for 90 days. 
•    NPA is any asset of a bank which is not producing any income. It affects the profitability & liquidity of the banks.
•    It adversely affects the value of bank in terms of market credit and widens assets and liability mismatch. 
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