NIJRUP S VISANI. “ANALYZING THE TRENDS AND IMPLICATIONS OF GROSS AND NET NPAS IN SCHEDULED COMMERCIAL BANKS AND PUBLIC SECTOR BANKS: A COMPARATIVE STUDY (2017-2022)”. Vidhyayana - An International Multidisciplinary Peer-Reviewed E-Journal - ISSN 2454-8596, vol. 10, no. s1, Oct. 2024, pp. 1048-61, https://vidhyayanaejournal.org/journal/article/view/2011.