In recent years, the Indian banking sector has undergone enormous change, and mergers have been major strategies to increase productivity and competitiveness. With effect from April 1, 2017, one of the most notable consolidations was the combination of SBI (State Bank of India), its five affiliate banks, and BMB (Bharatiya Mahila Bank). The objective of this study is to compare important indicators before and after the consolidation in order to assess how this merger has affected SBI's financial performance. The Study focuses at four key variables: NPA (Net Non-Performing Assets to Net Advances ratio, the number of domestic and foreign branches, and the Dividend Payout Ratio, using secondary data from government reports and financial analyses.

The study concludes that the merger has positively influenced SBI's financial health, enhancing asset quality and expanding its global footprint. However, it also suggests that the reduction in domestic branches and the lower dividend payout may have implications for shareholder returns and regional accessibility. Further research is recommended to assess the long-term effects of these changes on SBI's performance and stakeholder satisfaction.