Present Scenario of Indian Banking Industry : An Appraisal Through CAMEL Analysis

Many firms in the service industry face the problem of incongruent results in terms of efficiency and competence. This problem is a cause of concern for many such as bankers, insurers, hoteliers, courier companies, and so on. Particularly rapid changes have been observed in regulation, technology and competition in the Indian banks akin to the global counterparts in the last decade. Competition has affected adversely the bottom line performances of the banks. It is therefore critical to evaluate the performance of banks operating in India in order to study sturdiness of the banks in the face of competition. The paper bases the analysis of performance of banks on CAMEL Model. The results reveal that Axis bank, HDFC and Punjab national bank has shown a good growth record for its overall performance