International Journal For Multidisciplinary Research

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Credit Growth and Risk Management in Indian Banks: Analysis Through Sectoral Deployment

Author(s) Dr. Anjali Agarwal
Country India
Abstract This research paper explores the dynamics of sectoral credit deployment and its impact on risk management within the Indian banking sector over three fiscal years (2021-2023). Utilizing data from the Reserve Bank of India's annual reports, the study delves into the growth patterns of credit allocation to agriculture, industry, services, and personal loans, and assesses corresponding risk metrics such as the Gross Non-Performing Assets (NPA) ratio, Provision Coverage Ratio (PCR), and Capital Adequacy Ratio (CRAR). Descriptive statistics, correlation analysis, and regression modelling were employed to identify relationships and impacts. The findings reveal substantial credit growth in the services and personal loan sectors, accompanied by significant improvements in risk management indicators, including a marked reduction in the Gross NPA ratio and enhanced Provision Coverage Ratios. These trends highlight the sector’s increasing resilience and risk preparedness, reflecting broader shifts towards a consumer-driven financial landscape. The paper discusses the implications of these findings for banking stability and economic policy, emphasizing the need for nuanced regulatory frameworks to manage sector-specific risks. Future research could extend this analysis to predict long-term impacts of credit expansion on financial stability using advanced econometric models.
Keywords Indian banking sector, sectoral credit deployment, risk management, Non-Performing Assets, Provision Coverage Ratio, Capital Adequacy Ratio, economic policy, financial stability, consumer-driven finance, regulatory frameworks.
Published In Volume 6, Issue 3, May-June 2024
Published On 2024-05-11
Cite This Credit Growth and Risk Management in Indian Banks: Analysis Through Sectoral Deployment - Dr. Anjali Agarwal - IJFMR Volume 6, Issue 3, May-June 2024. DOI 10.36948/ijfmr.2024.v06i03.19567
DOI https://doi.org/10.36948/ijfmr.2024.v06i03.19567
Short DOI https://doi.org/gttvgb
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