Banks in India are facing a big problem with Non Performing Assets (NPAs), which are loans that are not being paid back. This is causing issues with their profits and ability to lend money. Both public and private banks are affected by this problem. To improve their profits, banks need to reduce their NPAs. A study looked at how NPAs are linked to the profitability of banks in India, and found that high NPAs can lead to lower profits for both public and private banks.