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    Manish Bhandari
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    This document summarizes a study on the impact of banking sector reforms in India on economic growth. It discusses how reforms have made the banking sector more efficient and stable through increased competition between public and private sector banks. The reforms have largely achieved their goals of efficiency, stability, and increased access to financial services. The study will examine the effect of reforms on credit to GDP ratios, public sector bank market share, and other metrics. It will also compare performance between public and private sector banks.

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    This document summarizes a study on the impact of banking sector reforms in India on economic growth. It discusses how reforms have made the banking sector more efficient and stable through increased competition between public and private sector banks. The reforms have largely achieved their goals of efficiency, stability, and increased access to financial services. The study will examine the effect of reforms on credit to GDP ratios, public sector bank market share, and other metrics. It will also compare performance between public and private sector banks.

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    5 views1 page

    Abstract

    Uploaded by

    Manish Bhandari
    This document summarizes a study on the impact of banking sector reforms in India on economic growth. It discusses how reforms have made the banking sector more efficient and stable through increased competition between public and private sector banks. The reforms have largely achieved their goals of efficiency, stability, and increased access to financial services. The study will examine the effect of reforms on credit to GDP ratios, public sector bank market share, and other metrics. It will also compare performance between public and private sector banks.

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    © All Rights Reserved
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    of 1

    A study of Banking sector reforms and its impact on Indian Economy and

    its growth with reference to comparative study of selected Public and


    Private sector Banks
    *Prof. Manish Bhandari
    ** Dr. Rishi Sharma
    ABSTRACT:
    Indian economy has been recording impressive growth rates since 1991. The main motive of
    financial sector reforms was creation of efficient and stable financial institutions and
    development of the markets, especially the money and government securities market.
    Reforms in the banking sector have made an indelible mark on it. It is now experiencing
    increased efficiency (measured in terms of profitability or reduction of NPAs, etc), systematic
    stability, and financial deepening with greater access.
    The basic objectives of financial sector reforms, that is efficiency, stability and financial
    deepening, have been largely fulfilled because of priority sector lending liberalisation,
    prudential framework and increased competition between nationalised banks and other banks.
    It is said that in some areas the banking sector is inching towards world standards in terms of
    prudential norms and systems.The year 1991-92 is the year of remarkable initiatives taken by
    the Government of India affecting the various facets of the Indian economy. Considering the
    scenario in which banking sector was in the year 1990-91, a number of initiatives were taken
    by the Reserve Bank of India for improving the efficiency of the banking sector and for
    opening up the banking sector. Taking this as a base, the author intends to examine the impact
    of the reforms on Credit Deposit ratio, Credit to GDP ratio, Investment in Government
    securities to deposits, share of business of public sector banks, the proportion of various types
    of advances etc. Further, it goes on to examine the difference in various aspects of the
    working results of the comparison between Public sector banks and private banks.
    Keywords:
    Public Sector Banks, Private Sector Banks, Security Markets, GDP, Credit Deposit
    Ratio, Indian economy, Economic growth, banking sector reforms, Public Sector Banks,
    Private Sector Banks

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