IMPACT OF COVID-19 ON NPA RECOVERY IN NATIONALIZED BANKS: AN EMPIRICAL STUDY OF THE SARFAESI ACT, 2002. Lex localis - Journal of Local Self-Government, [S. l.], v. 23, n. 9, 2026. DOI: 10.52152/3a8bf638. Disponível em: http://lex-localis.org/index.php/LexLocalis/article/view/800948. Acesso em: 10 feb. 2026.