The improvements in asset quality and a reduction in non-performing assets were the primary objectives enunciated in the reform measures. In this context, the present research critically evaluates the trend in movement of non-performing assets of SBI and its associates in India during the period 2005 to 2017, thereby facilitating an evaluation of the effectiveness of NPA management in the post-millennium period. To achieve the stated objectives, secondary data are utilized. Statistical packages like Microsoft Excel and SPSS were used to analyze the data and to generate inferences. The research utilized statistical techniques such as correlation, regression and ANOVA to explain the causes of NPA. The research findings highlighted the need for improvements in NPA management in SBI and its associates. Though the PSBs were able to curtail their NPA during the first half of the study period, the trend has reversed in the second half especially since the global financial crisis during 2007. In a highly competitive, diverse and sophisticated banking environment, NPA can be effectively managed through incorporating more proactive measures, notably an improvement in the credit evaluation, appraisal and monitoring system of banks.

 1) Murthy C.R.K., "Branch Level Management of Non-Performing Assets: Part III - Effective Management of Civil Litigation" - Vinimaya, Vol.XXI, No.2, 2000 - 2001 p.no: 5-11