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Purpose:The main motive of this research was to assess the overall functioning of public sector banks before merger and after the merger. At the same time effective comparison is been undertaken between public and private sector banks. One of the most crucial practices of evaluating the performance of bank involves critical examination of account statements concerning annual report. Major parameters for evaluating the Banks's performance include assessment of adequate capital, quality of assets, ability of management to control the risk, earning capacity and liquid adequacy to meet the monetary obligations by the banks. Impact of merger on the bank's performance are measured and compared to judge its effectiveness. Methodology: Quarterly published financial statements from 2019-20 to 2020-21 of selected banks are used for the analysis. Analysis is based on CAMEL model where the performance is rated on a scale of 1 to 5 on the basis of rating analysis. This study applied t-test as inferential statistics to draw a conclusion based on a comparative analysis. Findings: The study revealed there is significant difference in the performance of selected merged public sector banks and private banks and it was found that even after the merger of public sector banks it is not able to strive against private sector banks in their overall performance. Originality: It may be helpful to the government in making the merger an effective strategy by changing its policies and practices in consolidating the banks. Banking sectors are the major contributor to country's GDP hence the result of this study can be utilized to improve both public and private sector banks. Utilitarian Implication: This study will be valuable and pragmatic to the various stakeholders like investors, banking sectors, government, employees, customers, management and society as a whole to maintain their stake in these banks.