Non-performing assets can be considered a wild creep in the banking sector, in vain the banks which try to cut it. It has thus long been a scary threat to the Indian banking industry. The Government of India and the Reserve Bank of India have tried to control and control the problem with the help of banking reforms recommended by the Narasimhan Committee II, but the side effects of this growing threat have neutralized it. Despite many improvements, steps directed at the solution and elimination of this problem have been taken, but the concrete results are still far away. The problem is so acute that almost all branches of commercial banks are facing it. In order to bring the management of NPAs at par with international best practices, the third and fourth aspects of management have been introduced with more important measures, although the criteria related to the first and second aspects have been gradually strengthened. Recovery of the NPA aspect of management is a remedial measure and it is accountable and focuses on recovery from NPA accounts. This remedial measure includes such Lok Adalats initiated by the Reserve Bank of India, Debt Recovery Tribunal (DRT), Debt Recovery Appellate Tribunal, Securitisation Act, 2002, National Company Law Tribunal etc. A review of the literature indicates that among all these measures the Securitization Act, 2002 is the most notable for clarifying the problem of NPAs. This was the first-time banks were empowered to understand long-term NPAs with increasingly result oriented instruments as the Act. But the level of NPAs has still not reached the standard level (2%). According to a comparative analysis of NPAs of PSBs and private sector banks, THE NPAs of PSBs are much higher than those of private sector banks. It is therefore imperative to evaluate the impact of various Recovery Acts on NPAs in PSBs with the help of statistical data on NPAs and bankers' perspectives.

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Keywords: Recovery, Enactments, Dynamic, Advances, Recovery, SARFAESI, Creditworthy.