Pandurang Rathod, Dr. Anil Tiwari. “Trends, Growth, and Determinants of Non-Performing Assets: A Comparative Study of Public and Private Sector Banks in Karnataka”. International Journal of Engineering Science & Humanities, vol. 16, no. 1, Feb. 2026, pp. 241-70, https://www.ijesh.com/j/article/view/580.