A Study of Financial Performance Measurement of Small Finance Banks in India Using the CAMEL Model

Authors

  • Ms. Pinalben G. Mistry Research Scholar, Department of Business Studies, Sardar Patel University, Vallabh Vidyanagar-388120 https://orcid.org/0009-0003-1828-9973
  • Dr. Kaushalkumar S. Suthar Assistant Professor, Shree P.M. Patel Institute of Business Administration, Anand-388001 https://orcid.org/0009-0008-8070-971X
  • Dr. Yagnesh M. Dalvadi Professor, Department of Business Studies, Sardar Patel University, Vallabh Vidyanagar-388120

DOI:

https://doi.org/10.31305/rrijm.2023.v08.n07.008

Keywords:

Small finance banks, Performance Analysis, CAMEL Model

Abstract

This research paper aims to examine the financial performance of small finance banks using the CAMEL model. The study period spans from 2016-17 to 2020-21, and a sample of five small finance banks has been selected for analysis. The CAMEL model, which stands for Capital adequacy, Asset quality, Management quality, Earnings, and Liquidity, provides a comprehensive framework for evaluating banks' financial health. By applying the CAMEL model to the selected sample banks, this study seeks to assess their overall performance and identify areas of strength and weakness. The findings of this research can help stakeholders, including policymakers, investors, and bank management, in understanding the financial performance of small finance banks and making informed decisions.

Author Biographies

Ms. Pinalben G. Mistry, Research Scholar, Department of Business Studies, Sardar Patel University, Vallabh Vidyanagar-388120

Ms. Pinalben G. Mistry received his Bachelor of Commerce & Master of Commerce in Accounting & Finance from Sardar Patel University, Gujarat, India. She has qualified GSET exam in Commerce from M.S. University of Baroda. She also received a P.G. Diploma in Labour Law degree from Sardar Patel University, Gujarat, India. She has joined her Ph.D. in Department of Business Studies, Sardar Patel University, Gujarat, India. She is currently working as an Assistant Professor in Shri D.N. Institute of Business Administration, Anand (Gujarat). She is also a life time member of Indian Society for Training & Development, Anand Chapter.

Dr. Kaushalkumar S. Suthar, Assistant Professor, Shree P.M. Patel Institute of Business Administration, Anand-388001

Dr. Kaushalkumar S. Suthar received his Bachelor of Commerce & Master of Commerce in Accounting & Finance from Sardar Patel University, Gujarat, India. He obtained his Ph.D. in Commerce from Department of Business Studies, Sardar Patel University, Gujarat, India. He also received a P.G. Diploma in Financial Management from IGNOU. He is currently working as an Assistant Professor and Principal (I/c.) in Shree P.M. Patel Institute of Business Administration, Anand (Gujarat). He is also an elected Senate member of Sardar Patel University, Vallabh Vidyanagar for 10 years.

Dr. Yagnesh M. Dalvadi, Professor, Department of Business Studies, Sardar Patel University, Vallabh Vidyanagar-388120

Dr. Yagnesh M. Dalvadi received his Bachelor of Commerce & Master of Commerce in Accounting & Finance from Sardar Patel University, Gujarat, India. He obtained his Ph.D. in Commerce from Department of Business Studies, Sardar Patel University, Gujarat, India. He has qualified GSET and NET exam in Commerce. He is currently working as a Professor in Department of Business Studies, Sardar Patel University, Gujarat, India. He is an elected Senate member of Sardar Patel University, Vallabh Vidyanagar and He was Syndicate member in Sardar Patel University, Vallabh Vidyanagar. He has published various research papers and completed many academic projects funded by UGC. He is playing various roles like Member of Board of Studies, Sardar Patel University, Chairmen, Indian Society for Training & Development, Anand Chapter and many more.

References

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Published

15-07-2023

How to Cite

Mistry, P. G., Suthar, K. S., & Dalvadi, Y. M. (2023). A Study of Financial Performance Measurement of Small Finance Banks in India Using the CAMEL Model. RESEARCH REVIEW International Journal of Multidisciplinary, 8(7), 57–64. https://doi.org/10.31305/rrijm.2023.v08.n07.008

Issue

Vol. 8 No. 7 (2023): RESEARCH REVIEW International Journal of Multidisciplinary

Section

Articles

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This is an open access article under the CC BY-NC-ND license Creative Commons Attribution-Noncommercial 4.0 International (CC BY-NC 4.0).