Brief Outline: As viral message on the social media claiming, RBI data (March 31, 2018), below is the NPA(Non Performing Asset) of Bank:, Corporate Industry Loan which is mostly 73.33% of total NPA is sanctioned by Govt 

Facts Check: Almost true

Example Fake news: 

 As per RBI data (March 31, 2018), below is the NPA(Non Performing Asset) of Bank:

Total NPA ₹6,41,055 Cr

Corporate Industry NPA: ₹ 4,70,084 Cr (73.33%)

Agriculture Sector NPA: ₹ 57,021 Cr (8.89%)

Services Sector NPA: ₹ 84,686 Cr (13.21%)

Retail Sector NPA: ₹23,795 Cr (3.71%)

1. Corporate Industry Loan which is mostly 73.33% of total NPA is sanctioned by Govt appointed Board Level Executives to Industry like Bhushan Steel, Lanco Infra, Essar Steel, Amtek, Monnet Ispat, & people like Nirav Modi, Mallya..
2. Agriculture NPA is Mostly due to Farm Loan Waiver policies by newly elected govt after election, and so such people misuse loans.
3. Services NPA is mostly like MUDRA loan, where govt bars Banks to take collateral, hence Banks can’t recover and they happily default hence now Mudra NPA increasing day by day.
4. Retail NPA is only NPA where a Common Branch level Banker make sanction in form of Housing, Car, Personal loan....

Now Question come How 10 Lakh Common Bankers are responsible for all NPA and being offered only 2% of salary hike. It is not justified at all.

Detailed Analysis: Before understanding the huge NPA, we would first understand What is Non Performing Assets (NPA)?

A non performing asset is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days, in other words the loans that are in default or have arrears on the scheduled payments of the principal or interest. The debt is classified as nonperforming when loan payments have not been made for a period of 90 days.

As per Minister of State for Finance Shiv Pratap Shukla said in a written reply in Lok Sabha as on March 2018. He informaed the lok sabha that Bad loans in the banking sector has been constantly rising for the last 8 years and it crossed Rs 7.77 lakh crore at December-end 2017..

The RBI the gross non-performing assets of all the banks in the country (India) was Rs 8,40,958 crore in December 2017.

The gross NPAs of commercial banks as on December 31, 2017 due to bad loans to industry were at Rs 6,09,222 crore.

Services sector: was followed by Rs 1,10,520 crore (5.77 per cent) dues from services sector;

Agriculture : Rs 69,600 crore (6.53 per cent) from agriculture and allied activities;

retail loans : Rs 14,986 crore from other non-food credit and Rs 36,630 crore (2.01 per cent) from retail loans

In another reply, the minister said that corporate lending by banks have increased from Rs 31.12 lakh crore in March 2013 to Rs 40.66 lakh crore at December-end 2017.

So while the first statement of the above viral message is somewhat true, the truth is that NPA has been constantly rising. However other information in the viral message is not true.

Large NPA account holders

Essar Steel : Rs 49,000 crore

Date of referral to NCLT: June 2017

Bhushan Steel: NSE 4.93 %

Total Debt: : Rs 44,000 crore

Date of referral to NCLT: July 2017

Electrosteel SteelsNSE 4.00 %

Total Debt: : Rs 13,000 crore

Date of referral to NCLT: July 2017

Amtek Auto

Total Debt: Rs 12,722 crore

Date of referral to NCLT: July 2017

Bhushan Power & Steel

Total Debt

: Rs 49,200 crore

Date of referral to NCLT: June 2017

Alok Industries

Total Debt: Rs 29,000 crore

Date of referral to NCLT: June 2017

Monnet Ispat

Total Debt: Rs 10,237 crore

Date of referral to NCLT: June 2017

Lanco Infra

Total Debt: Rs 45,000 crore

Date of referral to NCLT: August 2017

As per the article by economic times `NPAs' rise due to loan waivers may hit fresh agriculture credit'. A article published on 28 June 2017, stated that Days after it reported spike in its own NPAs due to farm loan waivers, HDFC BankNSE -1.35 % today warned that lenders may discontinue fresh lending to the agriculture sector. Banks are likely to see increase in NPAs in the agriculture sector and a general worsening of credit culture

`NPAs' rise due to loan waivers may hit fresh agriculture credit'

MUMBAI: Days after it reported spike in its own NPAs due to farm loan waivers, HDFC Bank today warned that lenders may discontinue fresh lending to the agriculture sector. "Banks are likely to see increase in NPAs in the agriculture sector and a general worsening of credit culture," its economists said in a note.

As per the thehindubusinessline, Rising non-performing assets and increasing incidence of frauds, including the alleged misuse of loans, are casting a shadow over loans disbursed by the Micro Units Development and Refinance Agency (Mudra).

According to the latest data, the performance of the Centre’s flagship programme, which is intended to promote micro, small and medium enterprises (MSMEs), appears to have been hit by these concerns.

Banking sector blues may hit Mudra loans

Disbursals under PMMY for FY2018 are far below the₹2.4-lakh cr target

Indeed true the bank employees were proposed a 2 percent salary hike. However Bank employees’ unions have rejected the 2% salary hike offer made by Indian Banks Association (IBA) and threatened to go on strike to press their demand.

Bank employees' unions reject 2% salary hike, threaten strike

Bank employees' unions have rejected the 2% salary hike offer made by Indian Banks Association (IBA) and threatened to go on 2 day strike to press their demand