The article discusses how reforms in the Indian banking sector have changed the landscape of commercial banks. The goal was to analyze the insolvency risk of different types of banks after these reforms. The researchers found that while there have been improvements in non-performing assets and capital adequacy, there is still a significant disparity among banks in terms of profitability, cost management, and risk. Private sector and foreign banks seem to be more efficient in terms of technology and business per branch compared to public sector banks. These changes in the banking sector structure and operations have implications for banks' performance and risk levels.