Monitoring :- A Perfect Solution For Checking NPA

Banking is growing in complexity with passage of time. Especially from last few quarters the asset quality deterioration becomes major concern for all banks which further leads to intolerable stress due to high regulatory provisioning. So relevance of better Credit Monitoring is felt deeply in the current scenario, where in banks are focussing on measures to check ever increasing delinquencies in time. So effective monitoring of credit portfolio has become the life line for bankers and having great importance. Actually Credit Monitoring is not getting the deserving and required attention, either due to ignorance or due to negligence. Over a period this has become a serious issue in the banking industry. Though there are so many factors influencing the asset quality, but internal credit monitoring
and precautions along with robust credit appraisal can go a long way in preventing Slippages. These circumstances leads me to take the initiatives or challenge to relook the existing measures which are used for controlling or containing the health of assets quality .If there are any problem in applying them, devise new
measure and also suggest some new relevant processes or strategy for further enhancement of our monitoring tools.