Once the problem areas were detected, efforts were made to reduce the NPA leading to a sharp fall in the level of bad assets from 1996 to 2009. However, the level of NPA went up again from 2010 to 2018 and then resumed the downward journey again before receiving some jolts due to the Covid-19 pandemic in 2020, when loan moratorium was announced to provide relief to the borrowers hit by the nationwide lockdown.