The study looked at how big Indian banks manage risks and how much extra money they keep for emergencies. They found that smaller banks tend to keep more extra money for emergencies compared to bigger banks. The type of ownership (public, private, foreign) didn't affect how much extra money banks kept. This is important because if banks fail, it can harm the Indian economy since many people save their money in banks. The study shows that smaller Indian banks are better prepared for emergencies than bigger ones.