Non-Performing Assets (NPAs) have emerged as a persistent and multifaceted challenge within Indias banking sector. This abstract provides a concise overview of the NPA issue in India, offering insights into its origins, consequences, regulatory landscape, and potential remedies. NPAs signify loans or credits that have stopped yielding returns due to borrower defaults, causing significant financial distress to banks and the broader economy. The causes of NPAs are diverse, including economic downturns, mismanagement, and policy-related factors. Their implications are far-reaching, encompassing reduced bank profitability, capital erosion, and constrained lending, which, in turn, dampen economic growth. Indias regulatory framework, led by the Reserve Bank of India (RBI), has implemented measures like the Insolvency and Bankruptcy Code to combat NPAs. However, challenges persist in the form of operational complexities, legal hurdles, and intricate debt restructuring requirements.