• Dr. Dipa Shashin Tank

Abstract: Credit risk is one of the most critical challenges faced by banks, as it directly affects their financial stability and profitability. This study aims to examine and compare credit risk management practices adopted by selected public and private sector banks in India. The research focuses on evaluating key financial indicators such as the Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Return on Net Worth (RoNW) to assess how effectively these banks manage credit risk. Secondary data for the year 2025 has been collected from annual reports and official sources for five public sector banks and five private sector banks. The analysis reveals that while all selected banks meet regulatory capital requirements, private sector banks generally demonstrate stronger capital positions and higher profitability ratios compared to public sector banks. Kotak Mahindra Bank and ICICI Bank lead among private banks, whereas Bank of Maharashtra shows exceptional performance among public Sector banks. The findings highlight the greater efficiency and risk-handling capabilities of private sector banks, underlining the need for public sector banks to adopt more advanced risk management tools and strategies.

Keywords: Credit Risk Management, Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Return on Net Worth (RoNW), Public Sector Banks, Private Sector Banks

"Study of Credit Risk Management woth Reference to Selected Public and Private Sector Banks in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.d274-d283, July-2025, Available :http://www.jetir.org/papers/JETIR2507331.pdf

"Study of Credit Risk Management woth Reference to Selected Public and Private Sector Banks in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. ppd274-d283, July-2025, Available at : http://www.jetir.org/papers/JETIR2507331.pdf