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@article{191475,
        author = {Dr. Siddharajsinh A Gohil},
        title = {Comparative Financial Performance of Selected Public Sector Banks in India (2020–21 to 2024–25)},
        journal = {International Journal of Innovative Research in Technology},
        year = {},
        volume = {12},
        number = {no},
        pages = {1529-1536},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=191475},
        abstract = {The Indian banking sector has undergone significant structural and financial transformation during the post COVID period. Public Sector Banks (PSBs), which historically faced challenges related to asset quality, profitability, and capital adequacy, have shown notable recovery in recent years. This conference paper presents a comprehensive and descriptive analysis of the financial performance of four major PSBs State Bank of India (SBI), Bank of Baroda (BoB), Punjab National Bank (PNB), and Bank of India (BoI) over a five year period from FY 2020–21 to FY 2024–25. Using ratio analysis and statistical tools, the study evaluates profitability, solvency, efficiency, and capital strength. The inclusion of Bank of India using actual annual report data provides broader sectoral insight and enhances the robustness of the comparative assessment. The findings reveal that while SBI maintains leadership in scale and profitability, Bank of India has demonstrated strong improvement in profitability and capital adequacy, reflecting successful turnaround strategies. The study concludes with policy oriented implications for strengthening the financial resilience of PSBs.},
        keywords = {Public Sector Banks, Financial Performance, Ratio Analysis, Bank of India, SBI, Banking Sector, India},
        month = {},
        }