To see the Efficiency in light of CAMEL model and DEA model to estimate Techical, Allocative and Cost efficiency in Indian Public Sector Banks. This book helps to estimate and analysis these issues in light of reforms in Banking Sector from 1991. The much-publicized fact that Public Sector Banks are inefficient is based on a piecemeal analysis in the form of simple, static, partial and isolated ratios having some hidden and often misconceived assumptions about the structure. There is an urgent need of the time to go in for a system-wide analysis to explore the intricacies of the complex system that has grown over the years.