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@article{199951,
        author = {Sujit  Ramesh  Ingle and Prof. Pratiksha Meshram},
        title = {A COMPARATIVE STUDY OF HOUSING LOAN OF HDFC AND ICICI BANK, NAGPUR},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {12},
        pages = {328-335},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=199951},
        abstract = {The HDFC Bank was incorporated on August 1994 by the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. The Housing Development Finance Corporation (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994.
The above study on comparative study of ICICI Bank and State Bank India, it is found that both the banks managing their ratios at the best in their capacities in given boundaries. However, if we compare both the banks, it suggests that ICICI Bank having the edge on the HDFC reason being ICICI Bank having lower NPAs than the HDFC. ICICI Bank having Gross NPAs less than 1.5% while HDFC having the GNPAs near about 7.5% as per the annual report of both banks for the fiscal 2019. Also, the comparative study of both bank shows the NPAs never been easy handling for the state bank of India and in every two to three year they are doing the provisioning of their NPAs while in case of ICICI BANK Bank these restructuring incidents are rare. 
However, findings of the study are suggesting that ICICI Bank has managed their ratios like NPAs, CAR and PCR in a very efficient manner and managed the net profits in a systematic way and paying the great role of successful commercial bank while in case of HDFC they are managing their ratio but are not that much efficient in},
        keywords = {HDFC Bank, ICICI Bank, GNPA.},
        month = {May},
        }