Impact of Non-Performing Assets towards Agricultural and Non- Agricultural Sector lending with special reference to District Cooperative Central Banks: A Comparative Study of Rayalaseema, Coastal, and North Andhra in Andhra Pradesh

This study aimed to analyze the Gross and Net Non-Performing Assets (NPAs) of District Central Cooperative Banks (DCCBs) in Andhra Pradesh. The study covered three DCCBs, namely Chittoor, Krishna, and Srikakulam, over a period of 10 years (2012-2022). The study found significant differences in the Gross and Net NPAs of the three DCCBs. Chittoor DCCB had the highest mean Gross NPA to Agricultural Advances, while Srikakulam DCCB had the highest mean Gross NPA to Non-Agricultural Advances. The study also found that Srikakulam DCCB had the highest mean Net NPA to Non-Agricultural Advances. The findings of the study suggest that DCCBs need to strengthen their credit appraisal and monitoring processes to reduce NPAs. The study's results have implications for policymakers, regulators, and managers of DCCBs.