UGC Approved Journal no 63975(19)

ISSN: 2349-5162 | ESTD Year : 2014
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Published in:

Volume 9 Issue 2
February-2022
eISSN: 2349-5162

UGC and ISSN approved 7.95 impact factor UGC Approved Journal no 63975

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Published Paper ID:
JETIR2202453


Registration ID:
320772

Page Number

e413-e426

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Title

FINANCIAL PERFORMANCE EVALUATION OF SELECTED SMALL FINANCE BANKS IN INDIA: A CAMEL MODEL APPROACH

Abstract

It is necessary to examine the financial performance of banks on a regular basis in order to determine their financial strengths and eliminate possible weaknesses in order to maintain a stable financial system. Banks serve as the engine that keeps a country's financial system working smoothly and efficiently. The present research study sought to investigate and assess the financial, functional, and management health of small finance banks in India. To achieve the objectives of the research study, audited financial data of small finance banks was obtained from the banks' websites and RBI statistics for the period from 2016-17 to 2019-20 and analysed with CAMEL’s parameters and sub-parameters. Furthermore, the Anova test was used to statistically determine if there was mean variation in the results of sub parameters of these banks. The findings of the study showed that small finance banks performed satisfactorily during the study period. However, Capital small finance bank was ranked first, followed by Equitas and AU small finance banks, and Ujjivan small finance bank secured the last rank as per CAMEL parameters. Fortunately, the analysis found no significant differences in terms of performance of sub-parameters of CAMEL such as NNPA ratio, II to TA ratio, RoA, OP to TA, CD ratio, and Gsec to TA ratio among these banks. The research study concluded that the competition between these banks was intense in capital and management parameters.

Key Words

CAMEL, financial performance, small finance banks

Cite This Article

"FINANCIAL PERFORMANCE EVALUATION OF SELECTED SMALL FINANCE BANKS IN INDIA: A CAMEL MODEL APPROACH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 2, page no.e413-e426, February-2022, Available :http://www.jetir.org/papers/JETIR2202453.pdf

ISSN


2349-5162 | Impact Factor 7.95 Calculate by Google Scholar

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 7.95 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

Cite This Article

"FINANCIAL PERFORMANCE EVALUATION OF SELECTED SMALL FINANCE BANKS IN INDIA: A CAMEL MODEL APPROACH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 2, page no. ppe413-e426, February-2022, Available at : http://www.jetir.org/papers/JETIR2202453.pdf

Publication Details

Published Paper ID: JETIR2202453
Registration ID: 320772
Published In: Volume 9 | Issue 2 | Year February-2022
DOI (Digital Object Identifier): http://doi.one/10.1729/Journal.29516
Page No: e413-e426
Country: Vadali, Gujarat, India .
Area: Commerce
ISSN Number: 2349-5162
Publisher: IJ Publication


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