International Science Community Association Research Journal of Management Sciences 2319 - 1171 5 7 2016 07 6 Rising Non-Performing Assets in India – An Outcome of Willful Default or a Genuine Business Failure? 12 14 EN S.S.* Uma Sankar 1 Research and Development Centre, Bharathiar University, Coimbatore, Tamilnadu, India Jubi R. 2 Mar Thoma Institute of Information Technology, Kollam, Kerala, India Mu-Azu* Iddirisu Andani 1 University Relations Section-University for Development Studies, Mangalore University, Konaje, India Nabila Paul Alhassan 2 University for Development Studies, Tamale, Ghana Anand Sagar 1 Department of Management, Shri Jagdishprasad Jhabarmal Tibrewala University, Jhunjhunu, Rajasthan, India > Mini Review Paper 2016 6 10 2016 07 6 In India, all the Public Sector Banks put together have registered a net loss of Rs. 18,000 Croes during the financial year 2015-2016 in spite of registering a whooping “Operating Profit” of Rs. 1.40 lacs Crores due to the provisioning for bad loans. There have been cases where the borrowers are genuine and have really suffered losses due to economic slowdown and on account of the default by their debtors. However, there are some corporate and individual borrowers who have resorted to the malpractice of siphoning of the money. Such, borrowers are allegedly doing it willfully, hence, called willful defaulters. In the cases where assets of the borrowers were over-valued and loans were granted in excess of the market value of their assets must be dealt with seriously. Copyright@ International Science Community Association