• Dr. KRUNAL PAREKH
• Mr. JAI PATHAK
• Mr. Anup Kude

In today’s highly volatile market and digitalization of India has change the financial health of any Bank, it is usually because of reflection of the health of the particular industry and sector; therefore, with the help of industry analysis, business owners can make appropriate strategy which likely to help the business grow and perform consistently. Availability of financial information can determine a bank fiscal health which actually requires a systematic analysis of banks’s financials. In this research paper researcher try to capture the predictive viability of a bank’s financial condition by using a combination of five financial ratios of Z score model which ultimately depicts a score. This score (Z score) can be used as an effective tool to analyze the financial health and credit worthiness of a bank. Banking sector plays a crucial role in the Indian economy and has undergone various major reforms and restructuring for better financial viability and also providing better services to customers. This empirical analysis focused/concentrates on finding out the financial health of select Banking giants like SBI, Bank of Baroda and Canara Bank.

Fiscal Health, Predictive Viability, Z score.

"FUNDAMENTAL ANALYSIS OF SELECTED PUBLIC SECTOR BANKS IN INDIA WITH SPECIAL REFERENCE TO Z SCORE MODEL TEST", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 10, page no.64-69, October-2018, Available :http://www.jetir.org/papers/JETIRI006010.pdf

"FUNDAMENTAL ANALYSIS OF SELECTED PUBLIC SECTOR BANKS IN INDIA WITH SPECIAL REFERENCE TO Z SCORE MODEL TEST", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 10, page no. pp64-69, October-2018, Available at : http://www.jetir.org/papers/JETIRI006010.pdf