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VOL. 12, ISSUE 2 (2025)
Comparative analysis of new-generation private sector banks in India
Authors
Suraj Jena, Dr. V Annapurna
Abstract

The banking sector plays a crucial role in the economic development of any country by facilitating financial transactions, credit allocation, and economic stability. In India, private sector banks have emerged as key players in driving financial growth, offering competitive services, and adopting innovative banking practices. This study provides a comparative analysis of new-generation private sector banks in India, evaluating their financial performance over the period from 2022 to 2024.

The research examines key financial metrics such as deposits, investments, advances, total assets, total income, expenditures, and net profit. Additionally, it analyzes important banking ratios, including the credit-deposit ratio, return on assets (ROA), investment-deposit ratio, and capital adequacy ratio. The study relies on secondary data sourced from annual reports OF Selected Banks, financial statements, and publications from the Reserve Bank of India. A sample of ten private banks, including HDFC Bank, ICICI Bank, Axis Bank, and YES Bank, was selected using a simple random sampling methodFindings indicate that HDFC Bank has consistently demonstrated strong financial stability and profitability, while ICICI Bank and Axis Bank have shown steady growth. YES Bank, despite facing financial challenges in the past, is exhibiting signs of recovery. This study highlights the evolving financial landscape of India's private banking sector and provides valuable insights for investors and stakeholders in making informed financial decisions.
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Pages:124-127
How to cite this article:
Suraj Jena, Dr. V Annapurna "Comparative analysis of new-generation private sector banks in India". International Journal of Multidisciplinary Research and Development, Vol 12, Issue 2, 2025, Pages 124-127
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