<h1>Non-performing assets decline linked to expanded credit access and early-warning measures to curb loan stress in banks.</h1> GNPAs of scheduled commercial banks declined per RBI data, with Public Sector Banks' share of SCB GNPAs falling and Private Sector Banks' share rising. Government and RBI initiatives expanded credit access through financial inclusion measures, targeted lending schemes, priority sector classification for certain NBFC on lending, and interest subvention for crop loans. Early detection and prevention of NPAs are promoted via third party data in due diligence, classification as Special Mention Accounts, automated Early Warning Systems, incentive-linked repayment mechanisms, and reporting of repayment behaviour to credit information companies.