Non-performing assets are financial assets that, generally because of loan delinquency or default, are not producing income for the lender or borrower. They are sometimes known as "troubled assets" or "distressed assets”. A loan or advance where the interest or principal payment was past due for 90 days or more. The Reserve Bank of India (RBI) defines non-performing assets as any advance or loan outstanding for more than 90 days. According to an RBI circular of 2007, when an asset becomes non-performing. it stops generating income for the bank. A financial instrument in which the borrower has not paid the pre-agreed interest and principal to the designated lender for a considerable period of time is called a non-performing asset (NPA). As a result, the lender is not receiving any income in the form of interest payments from the non-performing asset. The types of NPA, causes of NPA, safeguards against NPA, and benefits and drawbacks of the sector. In the Indian education sector, non-performing assets may include loans, bonds and other financial instruments such as mortgages, business loans and credit card loans. Impact of merits and demerits on the Indian education system.

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Keywords: Non-Performing Assets, Preservation Measures, Merits -Demerits Impact, Education Loan.