Problems related to NPAs are growing rapidly in the commercial banks. NPAs adversely affect the profitability, liquidity and solvency of the banks. Therefore, it is required to pay more attention towards NPAs especially for the banks. The main purpose of this research paper is to study the trend of NPAs of scheduled commercial banks in India for twelve years 2005-06 to 2017-18.This paper further examines the causes for rising NPAs and its impact on Indian banking sector. The secondary data is used for study in order to keep the research findings reliable. The secondary data for the research is collected from Reserve Bank of India (RBI) bulletins, statistical tables relating to banks in India, Report on trend and progress of banking in India, issued by the RBI.

KEYWORDS: Non- Performing Assets, Scheduled Commercial Banks, Gross NPA, Net NPA.