A study on services expansion of merged public sector banks in India
Abstract & Details
Research Area
Management
Keywords
Public Sector Banks
Mergers
Service Expansion
Digital Banking
Financial Inclusion
Economies of Scale
Customer Satisfaction
India
Abstract
The Indian banking sector has undergone significant transformation through the consolidation of public sector banks. Mergers, such as those involving Punjab National Bank, Oriental Bank of Commerce, and United Bank of India, or Indian Bank and Allahabad Bank, aimed to create larger, more resilient institutions capable of competing globally. This study explores the potential for expanding services in merged public sector banks (PSBs) in India, focusing on the impact of consolidation on operational efficiency, customer satisfaction, and financial inclusion. It examines how mergers enable banks to leverage economies of scale, enhance technological capabilities, and diversify service offerings such as digital banking, wealth management, and microfinance. The study analyzes challenges like integration issues and cultural differences while proposing strategies for service expansion to meet evolving customer needs. Findings suggest that strategic service diversification, supported by robust technology and staff training, can strengthen the competitive position of merged PSBs and contribute to India’s economic growth.
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Author Information
| # | Name | Institute / Affiliation |
|---|---|---|
| 1 | M.Anjuka | Alagappa University |
| 2 | Dr.K.Ganesamurthy | Alagappa University |
How to Cite
Use the following formats to cite this article in your research.
APA Style
M.Anjuka & Dr.K.Ganesamurthy (2025). A study on services expansion of merged public sector banks in India. International Journal of Advance Research and Innovative Ideas In Education, 11(3), 4136-4145.
MLA Style
M.Anjuka, and Dr.K.Ganesamurthy. "A study on services expansion of merged public sector banks in India." International Journal of Advance Research and Innovative Ideas In Education, vol. 11, no. 3, 2025, pp. 4136-4145.
IEEE Style
M.Anjuka and Dr.K.Ganesamurthy, "A study on services expansion of merged public sector banks in India," International Journal of Advance Research and Innovative Ideas In Education, vol. 11, no. 3, pp. 4136-4145, 2025.
Vancouver Style
M.Anjuka, Dr.K.Ganesamurthy. A study on services expansion of merged public sector banks in India. International Journal of Advance Research and Innovative Ideas In Education. 2025;11(3):4136-4145.
Harvard Style
M.Anjuka & Dr.K.Ganesamurthy (2025) 'A study on services expansion of merged public sector banks in India', International Journal of Advance Research and Innovative Ideas In Education, 11(3), pp. 4136-4145.
Chicago Style
M.Anjuka and Dr.K.Ganesamurthy. "A study on services expansion of merged public sector banks in India." International Journal of Advance Research and Innovative Ideas In Education 11, no. 3 (2025): 4136-4145.
Turabian Style
M.Anjuka and Dr.K.Ganesamurthy. "A study on services expansion of merged public sector banks in India." International Journal of Advance Research and Innovative Ideas In Education 11, no. 3 (2025): 4136-4145.
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