Published Paper Details:

The banking sector is crucial to any country's economic growth and development. The future viability and soundness of this essential and well-recognized system need to be assessed. The capital adequacy ratio, or CAR, analyses a bank's risk-weighted assets in relation to its available capital. The ratio provides a quick indication of a bank's ability to cover losses and maintain its solvency in difficult scenarios. This paper attempts to examine the capital adequacy status of six major Indian public and private banks i.e., three from the public sector and three from the private sector. The State Bank of India (SBI), Bank of Baroda (BOB) and Punjab National Bank (PNB) as the largest public sector banks and Housing Development Finance Corporation (HDFC), Industrial Credit and Investment Corporation of India (ICICI) and KOTAK Bank as the largest private sector banks are selected for the study. The evaluation of financial performance of selected banks is done using an acronym "C" of CAMEL rating system as recommended by Padmanabhan Committee. Capital Adequacy Ratios, Asset Quality Ratios, Management Efficiency Ratios, Earnings Quality Ratios, and Liquidity Ratios are the evaluation parameters of CAMEL Model. The period of the study is from 2014 to 2023. To analyze the outcomes, descriptive statistics are utilized. One-way ANOVA test is applied for hypothesis testing.