A Study on Fundamental Analysis of Selected Public and Private Sector Banks in India

Janet Jyothi Dsouza*, Ravinarayana K. S**
* Department of Business Administration, Bellary Institute of Technology and Management, Bellary, Karnataka, India.
** Department of Business Administration, Vijayanagara Sri Krishnadevaraya University, Bellary, Karnataka, India.
Periodicity:September - November'2019


The study provides insights on the Financial Performance of the chosen banking companies by using fundamental analysis. The fundamental analysis helps in developing an insight into the economic performance of selected eleven banks for taking decisions on their investment. For each investor analysis of economic performance is very important in taking investment decisions. Thus, the current study has been conducted to study and scrutinize the economic performance and sustainability of a total of eleven selected banks from the public sector and private sector. Fundamental analysis can aid the shareholders by providing appropriate information in terms of profitability position, which helps for making an investment decision. This study analyzes the fundamental of selected banking companies using independent financial parameters, such as Net Profit Margin (NPM), Operating Profit Margin (OPM), Return on Equity (ROE), Return on Assets (ROA), Earning Per Share (EPS), Dividend Per Share (DPS), Price Earning Ratio (P/E RATIO), Dividend Payout Ratio (DP RATIO), and Price to Book Ratio (P/B RATIO). The studies finally conclude that the private sector banks (ICICI, HDFC, AB, LVB, KB) performance is superior to public sector banks (CB, SBI, AB, CB, IB, VB). In that HDFC bank scores better position in the private sector and in public sector, SBI bank scores better performance. Overall HDFC Bank ranks first among the selected bank.



Fundamental Analysis, Economic Performance, Operating Profit Margin (OPM), Return on Equity (ROE), Return on Assets (ROA).

How to Cite this Article?

Dsouza, J. J., and Ravinarayana, K. S. (2019). A Study on Fundamental Analysis of Selected Public and Private Sector Banks in India. i-manager's Journal on Economics & Commerce, 1(1), 26-37.


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