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INTRODUCTION The Indian financial sector which operates under the stewardship of the Reserve Bank of India (RBI) consists of three major segments viz., Banking Institutions, Development Financial Institutions, and Non-Banking Financial Intermediaries. Banking institutions of the country refer to commercial banks, cooperative banks, and regional rural banks. In the area of commercial banking, the country has players both from the public sector and the private sector. Indian commercial banks occupy a pivotal position in the financial sector considering the variety of services rendered and the bulky volume of business handled by them