A STUDY ON RISK MANAGEMENT PRACTICES IN BANKS WITH REFERENCE TO HDFC BANK

Risk management has become a strategic necessity for modern banking institutions operating in an increasingly complex financial environment. The present study concludes that HDFC Bank has successfully developed an integrated risk management framework supported by effective governance, advanced technology, strong internal controls, and regulatory compliance. The bank's systematic approach to managing credit risk, market risk, liquidity risk, operational risk, and cyber risk has strengthened financial stability, improved operational efficiency, and enhanced customer trust. Continued investment in technology-driven risk assessment, proactive monitoring, and sound governance practices will enable the bank to respond effectively to emerging financial challenges while sustaining long-term growth and organizational resilience.

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