Copyright © 2025 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{184290,
        author = {Rajashree Joshi and Dr. Nidhi Patidar},
        title = {An Empirical Study on Financial Performance of Indian Private Banks Through the CAMEL Methodology},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {4},
        pages = {736-744},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=184290},
        abstract = {Banks occupy a central spot in the economy, serving as custodians of public funds and key providers of credit to both households and businesses. Their stability is fundamental to maintaining economic resilience and public confidence. The failure of a banking institution can lead to substantial financial disruptions and significantly undermine depositor trust. Unlike trading firms, which operate by purchasing and selling goods for profit, banks perform the critical functions of deposit mobilization and credit distribution, rendering their evaluation inherently more complex. Traditional financial ratios used for analyzing commercial enterprises often fall short when applied to the banking sector. Consequently, a specialized and methodical assessment framework is essential. The CAMEL model, which evaluates C-Capital Adequacy, A-Asset Quality, M-Management Efficiency, E-Earnings, and L-Liquidity, has grew prevalent acceptance for this purpose. It provides a comprehensive and structured approach to evaluate the financial health and operational soundness of banking institutions. This study employs the CAMEL framework to assess and compare the performance of chosen private and public sector banks. The analysis ranks these banks across the five dimensions and identifies specific areas requiring improvement. The findings provides valuable acumens for regulatory authorities, investors, and bank management in enhancing institutional performance and mitigating financial risks.},
        keywords = {CAMEL Model, Banking Sector, Financial Performance, and Private Sector banks Public Sector banks.},
        month = {September},
        }