Gayatri N. Nayak, Jayantkumar Vijay Rane, Dr. Shivaji Bothe, and Amol D. Chaudhari. 2025. “Non-Performing Assets and Their Impact on Financial Performance: A Comparative Study of SBI and ICICI Bank (2015–2024)”. International Journal of Finance (IJFIN) - ABDC Journal Quality List 38 (3): 143-73. https://doi.org/10.5281/zenodo.15710242.