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Title: :  A study on services expansion of merged public sector banks in India
PaperId: :  26974
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 3 2025
DUI:    16.0415/IJARIIE-26974
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
M.AnjukaAlagappa University
Dr.K.GanesamurthyAlagappa University

Abstract

Management
Public Sector Banks, Mergers, Service Expansion, Digital Banking, Financial Inclusion, Economies of Scale, Customer Satisfaction, India
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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IJARIIE 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 Volume 11 Issue 3 2025 Page 4136-4145
MLA 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 11.3(2025) : 4136-4145.
APA 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.
Chicago 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.
Oxford 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, p. 4136-4145. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/A_study_on_services_expansion_of_merged_public_sector_banks_in_India_ijariie26974.pdf (Accessed : ).
Harvard M.Anjuka, and 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. 4136-4145IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/A_study_on_services_expansion_of_merged_public_sector_banks_in_India_ijariie26974.pdf (Accessed : )
IEEE 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, May-Jun 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/A_study_on_services_expansion_of_merged_public_sector_banks_in_India_ijariie26974.pdf [Accessed : ].
Turabian 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 [Online]. volume 11 number 3 ().
Vancouver 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 [Internet]. 2025 [Cited : ]; 11(3) : 4136-4145. Available from: https://ijariie.com/AdminUploadPdf/A_study_on_services_expansion_of_merged_public_sector_banks_in_India_ijariie26974.pdf
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