Thakur Vikas Singh, Dr. S. Narender 02 07 Credit Risk management is a critical component in the banking sector ensuring financial stability and minimizing potential losses due to borrower defaults This study investigates the effectiveness of credit risk management practices in Axis Bank one of Indias leading private sector banks The objective is to analyze the banks credit risk identification assessment mitigation and monitoring strategies Through a review of secondary data including annual reports RBI guidelines and Axis Banks risk management framework as well as primary data gathered via structured questionnaires and interviews with bank officials Copyright (c) Journal of Science Engineering Technology and Management Science. All rights reserved 2026