I.

CONCLUSION

 Despite the negative influencing factors of the BFSI Sector, the companies have been able to keep up
with their Estimated Revenue during COVID. Though there is a decline in the gap between the
Actual and Estimated Revenue during the COVID period as compared to that of before COVID, the
products and services provided by the companies have been successfully accepted and grown steadily
even amidst COVID. To recommend one single company based on just Revenue Variance to the
Investors or readers of this paper, it would be Bajaj Finance Ltd.

 The Risk and Return Analysis, the companies of this sector follow High Risk- High return concept.
Hence the safest company with a reasonable risk and good rate of return would be PNB and GIC.

 The companies depict similarities in terms of their strategies used to overpower the competitors.

 The Determinant factors show a range of negative – positive impact on the sector companies. The
only positive impacted sector is Insurance Sector. Apart from such qualitative determinants,
Liquidity Ratio and Profitability ratio should be considered the major determinant of performance
assessment.

 Suggestions apart from the said Findings:

a) Redefine the levels of Risks for the new normal, similarly,

b) Reskill the employees based on the new normal scenario,

c) Partner with organizations, state and central government for implementing the financial
strategies.

d) Digitize innovative services to manage the demand since the COVID.