n this Video, Dr. Sanjay Biyani, Academic Director, Biyani Group of Colleges, and Dr. Neeta Maheshwari, Principal of Biyani Girls College, discuss about Performing Assets and Non-Performing Assets, and the measures taken by Government to control the advances provided by Banking Sector on the same. Dr. Maheshwari shares that today public sector banks have more money that has been loaned out to people for Assets that are realistically non-performing, as compared to private sector banks. RBI does control the REPO rate, and government has strict measures for banks to ‘lend’ in controlled limits. However, Dr. Maheshwari feels that government needs to have different sets of policies for those borrowers who have crossed the 1 Crore limit, or are deliberate defaulters. Also, Repayment and recovery channels need to be made stricter. Dr. Sanjay Biyani agrees and adds that we need to classify our advance sanctioning and management mechanism first, so that the right amount of money goes to the right people and a bank’s liquidity is not severely affected.