A STUDY ON THE IMPACT OF MERGERS ON THE FINANCIAL PERFORMANCE OF INDIAN BANKS.

The study provides insights into the effectiveness of mergers as a strategic tool in the Indian banking sector and highlights areas where post-merger integration can be optimized to achieve sustainable financial growth. Mergers and acquisitions (M&A) have become a significant strategy for Indian banks to enhance operational efficiency, expand market share, and strengthen financial performance. This study aims to analyze the impact of mergers on the financial performance of Indian banks by comparing key performance indicators—such as profitability, liquidity, and capital adequacy—before and after the merger. The research uses a combination of quantitative analysis of financial statements and secondary data from RBI reports, annual bank reports, and other financial databases. Preliminary findings indicate that while mergers often lead to improved financial metrics and operational efficiencies, the magnitude of improvement varies depending on factors such as the size of the banks involved, integration strategies, and market conditions