A COMPARATIVE STUDY OF PUBLIC AND PRIVATE SECTOR BANKS WITH REFERENCE TO SBI AND HDFC BANK

The comparative study concludes that both SBI and HDFC Bank play significant roles in India's banking sector by offering quality financial services to diverse customer groups. While SBI maintains a strong position through its extensive branch network, customer trust, and public service orientation, HDFC Bank excels in digital banking, operational efficiency, and customer service. The study demonstrates that service quality, technological innovation, and customer satisfaction are critical determinants of banking performance. Continuous improvement in digital infrastructure, employee competence, and customer relationship management will enable both banks to strengthen customer loyalty and sustain long-term growth in an increasingly competitive banking environment.

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