Published Paper Details:

Purpose: The study aims to identify and measure the banking activities, especially the financial performance of Urban Cooperative Banks (UCBs) in India, until December 2022. The study was conducted using data available from the Reserve Bank of India (RBI), and the interpretation of results is mainly based on the researcher's observations. The purpose of the study is to estimate the values obtained in a few selected indicators that are considered benchmarks to measure the performance of UCBs. Methodology: The key statistical data and also the financial statements of Urban cooperative banks from 2020-21 to 2021-22 are considered for the current research work. The camel model and calculation of CAGR (compound annual growth rate) have been conducted to identify the financial model followed by these banks across India. The conclusion is drawn based on the output value of the defined calculations. Finding: The study revealed the key financial indicators and their impact on banks' performances especially for the urban cooperative banks in India. Since the Urban cooperative banks all over India were considered, it also gives a clear picture of their growth aspects. Originality: It may be used for the state-level and central-level banking associations with special regard to Urban cooperative banks to take some major steps in bringing the fallings of banks and to support the banks with new strategies. Utilitarian implication: Nowadays there has been a renewed focus on UCBs by both state and central governments, and even from the investors and stakeholders which has attracted many researchers to conduct these types of studies. This helps future investors and customers to know the financial position of these banks before making big decisions. Paper Type: This paper is conducted using secondary data using a few basic formulas, hence it is Analytical research. Keywords: Camel model, UCBs, Key financial indicators, Growth rates.