A STUDY ON THE CREDIT RISK ANALYSIS IN COMMERCIAL BANKS WITH REFERENCE TO HDFC BANK

Credit risk management remains one of the most important determinants of financial stability and sustainable growth in commercial banking. The study concludes that HDFC Bank has developed a comprehensive credit risk management system supported by sound governance, disciplined lending practices, effective internal controls, and advanced technological infrastructure. The bank's systematic approach to borrower evaluation, credit monitoring, loan recovery, and regulatory compliance has strengthened asset quality and improved organizational resilience. Continued investment in digital credit assessment, real-time monitoring, and technology-enabled decision-making will further enhance the effectiveness of credit risk management and enable the bank to sustain its leadership position in the Indian banking sector.

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