TABLE OF CONTENTS CERTIFICATE; ACKNOWLEDGEMENT; DECLARATION ; RESEARCH METHODOLOGY; CHAPTERISATION ; ABBREVIATIONS ; LIST OF CASES; Chapter 1 INTRODUCTION ; Meaning; Defining Secularization; Origin of secularization; Advantages and disadvantages of Secularization; Assets that can be secularized; CHAPTER 2: WHY SECULARIZATION IS NEEDED? ; CHAPTER 3: PROCEDURE OF SECULARIZATION ; Parties to Secularization; Procedure of Secularization; Pass Through and Pay Through Structure; CHAPTER 4: THE NON PERFORMING ASSETS ; Meaning; Reasons for Accumulation of Non-Performing Assets; Classification of Assets as Non-Performing; Asset Classification; Gross and Net NPA; Non- Performing Assets: Their Implications in Indian Economy; Measures to Control NPAs in India by Reserve Bank of India; NPA Recovery and the Road Ahead; CHAPTER 5: A Study On Recovery Of Debts Due To Financial Institutions AND SARFAESI Act. ; Recovery of Debts Due to Banks and Financial Institutions Act, 1993; Salient features of the Recovery of Banks Due to Financial Institutions Act, 1993; SARFAESI Act; Salient Features of SARFAESI Act, 2002; CHAPTER 6: SECULARIZATION IN INDIA: DO WE HAVE ADEQUATE SYSTEM; IN PLACE TO CURB RISING NPAS? ; Development in the Secularization Regime in India: A Study of Landmark Cases; Latest developments in the Secularization Regime in India; Issues hindering the sound secularization regime in India; CHAPTER 7: CONCLUSION ; CHAPTER 8:BIBLIOGRAPHY.