A Null Pointer Exception (NPE) is a runtime error that occurs when a program tries to access a reference that doesn’t hold a valid value, meaning it's set to "null". In programming languages like Java, C#, or C++, "null" indicates that the reference doesn't point to an actual object.

Here are common scenarios where a Null Pointer Exception can occur:

1. Calling a method on a null reference object:

String s = null;
s.length();  // This will throw a Null Pointer Exception

2. Accessing a field of a null object:

Person p = null;
p.name = "John";  // NPE because p is set to null

3. Accessing an array element that is null:

String[] arr = new String[5];
arr[0].length();  // arr[0] is null, causing an NPE

4. Manually assigning null to an object:

Object obj = null;
obj.toString();  // NPE because obj is null

To avoid a Null Pointer Exception, developers should ensure that a reference is not null before accessing it. Modern programming languages also provide mechanisms like Optionals (e.g., in Java) or Nullable types (e.g., in C#) to handle such cases more safely.