1. https://www.thehindu.com/data/why-did-bad-loans-in-banks-reduce-despite-covid-19-and-economic-downturn/article33510483.ece
2. https://indianexpress.com/article/business/banking-and-finance/npas-set-to-rise-sharply-on covid- impact-financial-system-remains-sound-says-rbi-6522155/