A Comparative Study Of Efficient Lending by Indian Commercial Banks

Higher mobilization of the loans by the Banks indicate the higher level of facilitation and support. However higher levels of default indicates the opposite. This study after the review of over 20 empirical articles, attempts to use the Reserve Bank of India information to assess the credit portfolio service levels of different types of banks in India. The study attempts to examine the case using the 1996–2012 RBI data set to understand the credit portfolio choice using the secondary data. The study finds the shifting stance of the credit portfolio preferences over the years from the old PSU banks to the PSU banks. Despite the lower start the new generation PSU banks are able to contain the risks.