...... The regulator Reserve Bank of India (RBI) only considers the gross NPA as the yardstick of bank's financial health. However, the banks prefer to clean their balance sheet as far as net NPAs are concerned. For bringing net NPA to nil, the bad loans have to be brought down to minimal levels too. This requires diligent banking, say cooperative banking experts. According to RBI norms the gross-NPAs should not go beyond 10%............
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