New Delhi, July 13 -- In a speech on Saturday, Reserve Bank of India (RBI) governor Shaktikanta Das pointed out that the pandemic could fritter away the gains made so far on the non-performing assets (NPA) front. The gross NPA ratio for scheduled commercial banks improved from 9.1% in March 2019 to 8.3% in March 2020. The economic disruption will impair the timely repayment of loans and, therefore, worsen the NPA crisis....