NPA & Special Mention Accounts Explained | UPSC Prelims 2026 | Economy | Drishti IAS English

Описание: To avail Holi Sale discount, click the link and fill out the form:https://drishti.xyz/Holi-Sale-2026
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Prepare for UPSC Prelims 2026 with a detailed session covering critical topics like NPA (Non-Performing Assets), Stressed Assets, and Special Mention Accounts (SMA) and their significance in the Indian Banking System.
In this session, Mr. Girish Venkatesh, Expert Faculty at Drishti IAS, explains:
✔ NPA (Non-Performing Assets) – Understanding what NPAs are, how they affect banks' financial health, and their role in the economy.
✔ Stressed Assets – Learn about stressed assets, how they differ from NPAs, and the challenges banks face with these assets.
✔ Special Mention Accounts (SMA) – A detailed look at SMAs, their classification, and their significance in early-stage identification of bad loans.
✔ Impact of NPAs & Stressed Assets on Indian Economy – How rising NPAs and stressed assets affect banking operations, lending, and the overall economy of India.
✔ Regulatory Measures – How regulatory bodies like the RBI handle NPAs and stressed assets, and the role of asset reconstruction companies (ARCs) in resolving these issues.
This lecture is part of the 100 Most Important Topics for UPSC Prelims 2026 series and is essential for solving economy-related MCQs in the UPSC Civil Services Examination.
Subscribe to Drishti IAS English for comprehensive UPSC 2026 preparation.


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