Published Paper Details:

India's banking sector has undergone significant transformations, with mergers and acquisitions (M&As) playing a crucial role in addressing challenges like high non-performing assets (NPAs), low profitability, and inefficiencies. Driven by the government's goal to create stronger, competitive institutions, especially in public sector banks (PSBs), these mergers aim to enhance scale, capital efficiency, and credit delivery. This study examines the impact of recent mergers, such as those involving State Bank of India and Bank of Baroda, using financial ratios like Return on Assets (ROA), Net Interest Margin (NIM), and NPA ratios to assess performance. While mergers have generally improved financial stability, profitability, and reduced NPAs, challenges such as integration complexities, cultural mismatches, and job redundancies persist. The paper also discusses the broader implications of these mergers, including effects on competition, systemic risks, and economic inclusivity. Ultimately, it provides insights for policymakers to ensure that future mergers contribute positively to India's economy while managing associated risks.