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@article{196103,
        author = {Dr. K. Naveen Kumar},
        title = {Financial Performance and Asset Quality of Selected Private Sector Banks in India: A Comparative Analysis},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {no},
        pages = {31-37},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=196103},
        abstract = {Banking industry forms a critical part of the financial structure of a country, in that it is at the centre of economic development by providing the effective form of financial intermediation and resource distribution. The growth in popularity in the Indian market has seen the growth of the banks under the private sector in the market due to their competitive advantages of operating banks, their technological advantages and their role in the stability of the financial scene. In this regard, the current research researches the financial performance of the chosen Indian banks of the private sector during a five-year term, 2019 to 2025. The research relies solely on the secondary data which is extracted through authoritative databases like the Money control and the annual reports of respective banks which have been published.
Ratio analysis has been used as the primary tool of analysis to measure the efficiency of the financial performance and capital structure. Other key ratios, such as debt-equity, cash position, fixed assets and proprietary ratios are calculated and interpreted in a systematic manner to determine the liquidity, solvency and long-term financial health. The analysis gives comparative information on the financial strength and stability of the operation in the two selected banks in the period studied. The results of the research are adding to the existing banking literature as the findings provide empirical data about the performance patterns of the banks of the Indian private sector and can help investors, regulators, and policymakers make informed decisions.},
        keywords = {Financial Performance; Ratio Analysis; Indian Banking Sector; P.S.B; Private Sector Banks.},
        month = {March},
        }