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Abstract
NPAs are the biggest problem that can harm the growth rate of a country.In India banks are struggling with recovery of assets on time. There are some recovery channels such as DRTs, LokAdalats and SARFAESI Act through which banks can recover their NPAs. This paper focused on the effectiveness of recovery channel from 2012-2013 to 2016-2017.The research work has been analyzed throughcoefficient of variation and bar graph method. This paper has concluded that SARFAESI Act is performing well as compared to DRTs and LokAdalats. Recovery channel should proactively watch on the non-performing assets recovery. Banks should timely convey the alarming loan that can convert into non performing assets information to recovery channel.