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@article{188207,
        author = {Navin Chandra Bharti and Dr. Brijvas Kushwaha},
        title = {Impact of Credit Risk Management on the Financial Performance of Commercial Banks in India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {7},
        pages = {2301-2306},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=188207},
        abstract = {Credit risk is the most significant form of risk faced by commercial banks, particularly in emerging economies like India where lending is the principal source of revenue. This paper examines the impact of credit risk management (CRM) on the financial performance of commercial banks in India. A systematic literature review (SLR) is used to analyze existing academic work, while a theoretical model and methodology are proposed for guiding future empirical research. Key credit risk indicators such as Non-Performing Assets (NPA), Loan Loss Provisions (LLP), and Capital Adequacy Ratio (CAR) are analyzed to understand their influence on financial performance variables, including Return on Assets (ROA) and Return on Equity (ROE). The review finds that effective credit risk management significantly improves profitability, enhances financial stability, and contributes to the long-term sustainability of banks. The study concludes by emphasizing the need for improved risk governance, strengthened credit appraisal systems, and technology-driven monitoring to minimize credit-related losses.},
        keywords = {},
        month = {December},
        }