The goal of the study is to learn more about India's microfinance institutions' non-performing assets. non-performing assets of SHGs, women's SHGs, public sector banks, and private sector banks in relation to various microfinance programs and schemes, including Swarnim Rojgar Yojna. The ANNOVA approach has been used to test hypotheses. Conclusion: Private sector banks and cooperative banks are more effective at controlling non-performing assets (NPA) and keeping them at a minimum level than public sector banks. Furthermore, research shows that public sector banks perform better at supporting microfinance programs and providing financing for them than private sector banks or cooperative banks.