Alarming, Increase in NPAs of the Banks and slow process of their resolution in the recent past has made RBI to initiate Prompt Corrective Action against such Banks. This has drawn lot of criticism from Media, Government, Political parties and Reserve Bank of India, to the extent of challenging the viability of Public Sector Banks which even suggested to privatize them and return to Pre–Nationalization era of 1969 and before. It is in this background that the author who has been an experienced and practical Banker, having dealt the subject of NPAs for almost 3 decades at various hierarchical levels, that this Book is presented to the Bankers and Non-Bankers. The subject of NPAs is neither glamorous nor simple and requires a total understanding of various tools available and their appropriate and timely usage. The book is broadly divided into areas viz. Credit Supervision & Credit Control. RBI prescribed mandatory IRACP norms. Balance Sheet Management & Provisions. Restructuring of Sick Units-Viabilities and Speed. Rehabilitation of Sick MSMEs-the Backbone of Indian Economy. Non Cooperative Borrowers /Fraud & Malfeance cases/Willful Defaulters-Their Declaration and Penalties. Settlements/Compromises/ One time Settlements-A Non legal remedy SARFEASI Actions, Legal Hurdles and & Means to Overcome Them. Legal Actions for Recovery Before DRT/Court,/Lok Adalat,/Execution of Decrees/Sale of Decrees etc. Bankruptcy & Insolvency Code including theNational Commission of Law Tribunal (IBC/NCLT). Ways & Strategies to Speed up Recovery of NPAs. By and large, the book provides an answer to all queries,questions, doubts, misgivings & mis understandings and above all inquistivenesses of the readers of the subjects.