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The Banking Industry has been operating in India since the early stage of civilisation. Modern banking in India begins from mid of 18th Century. Bona fide transactions of Banking Industries are beneficial for world economy. Money loaned is one of the major functions of Banks, and "What is owe, must be repay" is the universal law. But, since last two decades, Banks are facing problems in recovery of loans and fluctuating NPA levels and thereby decline in profitability of commercial sector banks. The study is organised to know the provisions, measures, and suitable actions which banks can take to reduce the burden of increasing crisis of bad loans and to recover the same. The Book will be usefull to academicians, researchers, students and other interested groups.