• Mrs.D.Keerthana
• Mr. M.SHIVA

ABSTRACT: Fundamental analysis is the art of evaluating the intrinsic value of a stock to find long term investing opportunities. In other words Fundamental analysis is a method of determining a stocks real or fair market value. Analysis of capital market can be done either by Fundamental analysis. This paper aims to study on the Fundamental analysis of banking sector to understand the financial performance of selected banks. The main objective was to conduct a comparative analysis for the three selected banks under banking sector and to suggest the better suitable stock to the investors. Fundamental analysis is studied in three parts namely; Economic analysis deals with fundamental factors like GDP, Interest rates, and Current account to GDP etc. Industry analysis, in this analysis all the three sectors are evaluated on the basses of Porter’s five force model which takes in to consideration, Threat of new potential Entrants, Threat of substitutes, Bargaining power of suppliers, Bargaining power of buyers and the competition among the existing companies in the market. Finally, Company analysis deals with various ratios such as Dividend pay-out ratio, EPS, P/E ratio, Net profit margin, ROE, ROA, and Debt to Equity ratio are used and to calculate these ratios the secondary data was collected through the respective company’s annual reports. Based on the calculations of the ratios in the study we found that majority of the stocks are having downfall in ROE, ROA and EPS and we suggested to avoid such stocks for the long term investment, and with the help of comparative analysis we suggested the better suitable stocks for the investors to invest in each bank. The top-down investor starts their analysis with global economics, including both international and national economic indicators. The bottom-up investor starts with specific businesses, regardless of their industry/region, and proceeds in reverse of the top-down approach.

Keywords: Fundamental analysis, Economic analysis, Industry analysis, Company analysis, Comparative analysis.

"AN ANALYTICAL STUDY OF INVESTORS USING TOP-DOWN AND BOTTOM-UP APPROACH OF SELECTED BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 1, page no.d370-d376, January-2023, Available :http://www.jetir.org/papers/JETIR2301344.pdf

"AN ANALYTICAL STUDY OF INVESTORS USING TOP-DOWN AND BOTTOM-UP APPROACH OF SELECTED BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 1, page no. ppd370-d376, January-2023, Available at : http://www.jetir.org/papers/JETIR2301344.pdf