Indian Banking system has played an important role in the financial development of India. RBI, the regulatory authority of the banking system in India includes public sector banks, private sector banks, financial and non-financial institutions. The banking system of India comprises of an extensive network of bank offices the nation over which serves the people by providing various financial services. Based on www.embibe.com State Bank of India is the largest public sector bank and HDFC Bank is the largest private sector bank in India. State Bank of India, popularly known as SBI is the largest bank of public sector in India, has more than 24, 000 branches and 59, 000 ATMs in India. Housing Development Financial Corporation Bank Ltd, popularly known as HDFC Bank is the largest private sector bank in India. HDFC Bank has a network of 4, 715 branches and 12, 260 ATMs across India. The purpose of the study is to examine the financial performance of the top two largest banks in the India, one from public sector banks and other from private sector banks in India, SBI and HDFC Bank. The research is descriptive and analytical in nature. The data used for the study is entirely secondary in nature. The present study is conducted to compare the financial performance of SBI and HDFC Bank on the basis of ratios such as credit deposit, net profit margin etc. The period of study taken is from the year 2012–13 to 2016–17. The study found that banking customer has more preference and trust on SBI as it has a larger customer base than HDFC Bank. However, it is also seen that HDFC Bank has a faster growth which means that, it is more efficient in operations than SBI.
Credit Deposit Ratio, Net Profit Margin, Return on Equity, Income, Expenditure, Deposits, Advances, SBI, HDFC Bank
