Summation and Future Roadmap

Part of the India Studies in Business and Economics book series (ISBE)


At the time of fifty years of nationalization, Indian banks are still wobbly. We see that even privatization is not the solution. Squeezing of credit in recent times and high percentage of NPAs, political intervention, corruptive practices and non-economic-based reasons are plaguing the formal banking industry. Quite naturally, trust-based informal credit market is continuing unabated. Suggestions arising out of efficiency analysis become irreverent in such wilderness.


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© Springer Nature Singapore Pte Ltd. 2020

Authors and Affiliations

  1. 1.Economics DepartmentBurdwan UniversityBurdwanIndia
  2. 2.Economics DepartmentShyampur Siddheswari Mahavidyalaya, University of CalcuttaHowrahIndia

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