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The financial sector in India plays a critical role in mobilizing savings, allocating capital, and facilitating economic development. However, it is currently facing a series of emerging issues and challenges that demand attention from regulators, financial institutions, and policymakers. These challenges are evolving due to global economic trends, technological disruptions, changing customer preferences, and domestic economic shifts. One of the key challenges is the rising level of non-performing assets (NPAs), especially within the banking sector. Although the situation has improved over the past few years, legacy ________ _____ ____ __________ __________.
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