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    <title>Gross NPAs reduce from 9.11% to 2.58% from March 2021 to March 2025</title>
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    <description>Coordinated statutory and regulatory reforms reduced public sector banks&#039; Gross NPAs from 9.11% to 2.58% (March 2021-March 2025) by strengthening creditor remedies through the Insolvency and Bankruptcy framework, amending securitisation and enforcement laws, increasing DRT pecuniary jurisdiction, and imposing prudential norms requiring board approved valuation policies, empanelment of independent valuers, multi valuer requirements for high value properties, and encouragement of e auctions for transparent asset disposals.</description>
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