• DR. KISHORE KUMAR DAS
• MS SUPRITA PALIT

Nowadays credit risk is a major risk for all banking institutions. It also affects the profitability of banks. Banks are also facing liquidity crisis. This situation gets aggravated if the banks are not efficient enough to handle credit risk. Credit risk refers to potential financial loss as a result of borrower’s inability to timely repay the credit availed. Most of the share of the total revenue of the bank comes from credit operation and the existence of the bank depends on quality of assets portfolio. So efficient management of credit risk is of great importance and the study of credit risk management practices in the banking sector holds a lot of relevance in the present scenario .This paper attempts to explain the various aspects related to credit risk management in the banking sector in India in a simple and lucid manner.

Risk , Credit risk management, Banking Sector, Basel Norms , RBI

"CREDIT RISK MANAGEMENT IN THE INDIAN BANKING SECTOR: AN INSIGHT STUDY", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.611-621, June 2019, Available :http://www.jetir.org/papers/JETIR1906T75.pdf

"CREDIT RISK MANAGEMENT IN THE INDIAN BANKING SECTOR: AN INSIGHT STUDY", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp611-621, June 2019, Available at : http://www.jetir.org/papers/JETIR1906T75.pdf