Are public sector banks to blame for rising NPAs? No

....Private sector banks have managed to maintain NPAs at a low level. Could PSBs have achieved the same? No. New private sector banks account for only 15 per cent of bank advances in India and only 13 per cent of corporate advances. At that size, it is possible to cherry pick one's clients and sectors. Public sector banks (PSBs) account for 80 per cent of total credit to industry (corporate credit, excluding retail an agriculture). If they were to decide to avoid an industry sector, it will be starved of credit and come to a halt. .......

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