CREDIT AND RISK MANAGEMENT IN BANKS & NBFCS

This study focuses on understanding the concept of credit and risk management in banks and Non-Banking Financial Companies (NBFCs). The purpose of the research is to analyze how financial institutions manage credit risk while providing loans and other financial services to customers. The study is based on both primary and secondary data. Primary data was collected through a questionnaire from respondents, while secondary data was gathered from journals, reports, and financial websites. The findings show that proper credit evaluation and monitoring are important for reducing the risk of loan default. The study concludes that effective credit and risk management practices help banks and NBFCs maintain financial stability and improve their lending decisions.