The banking sector of India has had a long history of reformation and restructuring that all began back in the 1800s and today it stands as the backbone structure that supports India’s growing economy by mobilizing funds for various sectors of the economy, providing financing options to those in need and greatly contributes to the functioning of this diverse nation. Since its early inception, numerous problems have seeped into the banking sector and there are some research studies have been conducted to determine the adversities, challenges, and the functioning of this sector. This research paper makes an attempt to evaluate the nature of some of the problems, their underlying causes, and the policy recommendations that may provide resolution to these problems.

Keywords : Indian, Banking, Problems, NPA, Bank, Debt.