The article compares different types of banks in India to see how well they are performing. They looked at State Bank group, nationalized banks, private sector banks, new private sector banks, and foreign banks from 1991 to 2007-08. The study used various ratios to measure efficiency, productivity, and profitability. The results show that new private sector banks and foreign banks performed better than the others on most measures. This is important because it shows how reforms have improved the banking sector in India, especially with the competition from foreign banks increasing in the future.