<h1>RBI Reports Rise in NPAs Among SCBs; 4R Strategy and Reforms Helped Reduce NPAs and Improve Loan Policies.</h1> The Reserve Bank of India (RBI) reported a significant rise in non-performing assets (NPAs) among Scheduled Commercial Banks (SCBs) from Rs. 3,23,464 crore in 2015 to Rs. 10,36,187 crore in 2018, attributed to aggressive lending, defaults, and economic slowdown. The government's 4R strategy-recognition, resolution, recapitalization, and reforms-helped reduce NPAs to Rs. 9,49,279 crore by 2019. Reforms included the Insolvency and Bankruptcy Code, recapitalization of Public Sector Banks (PSBs) with Rs. 3.12 lakh crore, and stricter loan policies. The gross NPA ratio decreased from 11.18% in 2018 to 9.08% in 2019.