Key themes include the classification and provisioning norms prescribed by the RBI,the role of infrastructure financing, wilful default, legal bottlenecks,and the effectiveness of the Insolvency and Bankruptcy Code (IBC). The book also traces the historical development of public and private sector banks in India and presents field-based findings supported by robust research methodology. It is an essential read for finance professionals, policy-makers, students of banking and finance and anyone interested in the evolving dynamics of India's financial system.