The article analyzes how well Indian banks manage their costs, revenues, and profits. They used a method called data envelopment analysis to measure efficiency. The study found that in 2012-2013, Indian banks struggled to balance their costs, revenues, and profits. Foreign banks were more efficient in costs and profits, while public sector banks were better at generating revenue. This research is important because there hasn't been much study on how Indian banks perform in terms of cost, revenue, and profit efficiency.