1_ !" # "$ Multiple aspects of Indian banking efficiency through DEA approach Dr Manas Kr Baidya Assistant Professor in Commerce MaldaCollege, Malda %&’(%$% M 9434180696 Abstract )& *( (& %(( ++ (,$ - & % %( +( & +& %+ % %. %% *$ / & *( &0 %1( +( 2 + + %(%$ 3 "456 % 7 )+% & 37)6 %(& 1 % , & & , *$ + % +( + , &8 2" " 2""$ + & , * 2 * 7 * &$ 9, & + :2 + 3;$<6= : %1(= 35;$!<6 : + %(%= 3!<6 : +(= 3;$<6$ #& * %& * 7 * > * $ > & & * * , & 7 * > * * , * * , & * ? #+ * @ * %( * &$ 1. INTRODUCTION Since the early 1990s, banks in India have witnessed a series of reforms with a view to improving their efficiency. With these initiations, there has been substantial improvement in efficiency and performances of the Indian scheduled commercial banks (Mohan, 2006; Reddy 2002). This development has resulted in increased competitive pressure among the banks in India. The resultant competitive forces, coupled with future challenges faced and more stringent regulatory framework, have created pressure on the Indian banks to perform efficiently. It has been empirically found that banks receiving high efficiency scores are much more likely to survive than banks which have relatively low scores (Barr, R., et al., 1996). Efficiency, therefore, has become critical for banks’ survival and growth (Gupta et al., 2008) in the era of increased competition and high standard of customer oriented services. Therefore, in today’s economy, efficiency analysis of banking sector attracts more and more attention of researchers. Thus, this paper aims at analyzing the technical efficiency of 30 major commercial banks in India in a very comprehensive manner using data envelopment analysis (DEA) methodology. For this, present study has explored four areas of banking operational efficiency: deposit mobilizing, fund conversing, offbalance sheet activities and cost revenue management and specified input output