Published Paper Details:

This research article provides a comprehensive analysis of the financial performance of the Indian banking sector, with a specific focus on a comparative study between public and private sector banks. Using a mix of key financial ratios, including Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Gross Non-Performing Assets (GNPA), the study evaluates the profitability, asset quality, and solvency of select banks over a five-year period (e.g., 2021-2025). The findings indicate that while private sector banks have consistently outperformed public sector banks in terms of profitability and asset quality, public sector banks maintain their dominance in terms of market size and total deposits. The study concludes that ongoing digital transformation and stricter regulatory measures have significantly improved the overall financial health of the sector, but challenges persist, particularly in managing asset quality and operational efficiency.