The present study of the research entitled “Inferential analysis for judging the efficiency and solvency in public and private sectors banks. The study was based on secondary data from records, reports and profile of the banks. The validity of any research is based on the systematic method of data collection analysis. The Ratio analysis is the process of identifying the financial soundness and cost effectiveness of the banks by establishing relationship between the items of solvency and efficiency. The present study has thrown major concentration in ratio analysis, from the 5years solvency and efficiency. An objective of the study includes the interest income, net interest income, Non-interest income, Interest expanded, Operating expenses, Credit Deposit Ratio, Investment deposit ratio, cash deposit ratio, Total debt to owners fund and overall financial performance of the banks. The study is an attempt to portray some objective conclusions on the diverse aspects of solvency and efficiency of selected banks in India. The two private (HDFC and ICICI) and two public sector bank (SBI and Union bank) in India are selected for the study.