Comparative Analysis Between Private Sector VS Nationalised Banks - Networth

CHAPTER - I
INTRODUCTION
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INTRODUCTION
Banking in India originated in the last decades of the 19th century. The oldest bank
in existence in India is the State Bank of India, a government-owned bank that traces
its origins back to June 1906 and that is the largest commercial bank in the country.
Central banking is the responsibility of the Reserve Bank of India, which in 1935
formally took over these responsibilities from the then Imperial Bank of India,
relegating it to commercial banking functions. After India's independence in 1947,
the Reserve Bank was nationalized and given broader powers. In 1969 the
government nationalized the 19 largest commercial banks; the government
nationalized the six next largest in 1980.
Currently, India has 88 scheduled commercial banks (SCBs) - 27 public sector

banks (that is with the Government of India holding a stake), 31 private banks (these
do not have government stake; they may be publicly listed and traded on stock
exchanges) and 38 foreign banks. They have a combined network of over 53,000
branches and 19,000 ATMs.
According to a report by ICRA Limited, a rating agency, the public sector banks
hold over 75 percent of total assets of the banking industry, with the private and
foreign banks holding 19.2% and 6.5% respectively.
The most significant achievement of the financial sector reforms has been the
marked improvement in the financial health of commercial banks in terms of capital
adequacy, profitability and asset quality as also greater attention to risk management.
Further, deregulation has opened up new opportunities for banks to increase
revenues into investment banking, insurance, credit cards, depository services,
mortgage financing, securitization etc. At the same time, liberalization has brought
greater competition among banks, both domestic and foreign, as well as competition
from mutual funds, Non-Banking Financial Corporations, post office etc.
The definition of a bank varies from country to country. Under English common law,
a banker is defined as a person who carries on the business of banking, which is specified
as:
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❖ conducting current accounts for his customers
❖ paying cheques drawn on him, and
❖ collecting cheques for his customers.
In most English common law jurisdictions there is a Bills of Exchange Act that
codifies the law in relation to negotiable instruments, including cheques, and this
Act contains a statutory definition of the term banker: banker includes a body of
persons, whether incorporated or not, who carry on the business of banking' (Section
2, Interpretation). Although this definition seems circular, it is actually functional,
because it ensures that the legal basis for bank transactions such as cheques do not
depend on how the bank is organized or regulated. The business of banking is in
many English common law countries not defined by statute but by common law, the
definition above. In other English common law jurisdictions there are statutory
definitions of the business of banking or banking business. When looking at these
definitions it is important to keep in minds that they are defining the business of
banking for the purposes of the legislation, and not necessarily in general. In
particular, most of the definitions are from legislation that has the purposes of entry
regulating and supervising banks rather than regulating the actual business of
banking however, in many cases the statutory definition closely mirrors the common
law one. Examples of statutory definitions:
"Banking business" means the business of receiving money on current or deposit

account, paying and collecting cheques drawn by or paid in by customers, the
making of advances to customers, and includes such other business as the Authority
may prescribe for the purposes of this Act; (Banking Act (Singapore), Section 2,
Interpretation).
"banking business" means the business of either or both of the following:
receiving from the general public money on current, deposit, savings or other similar
account repayable on demand or within less than [3 months] ... or with a period of
call or notice of less than that period;
Paying or collecting cheques drawn by or paid in by customers Since the advent of
EFTPOS (Electronic Funds Transfer at Point Of Sale), direct credit, direct debit and
internet banking, the cheque has lost its primacy in most banking Systems as a
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payment instrument. This has lead legal theorists to suggest that the cheque based
definition should be broadened to include financial institutions that conduct current
accounts for customers and enable customers to pay and be paid by third parties,
even if they do not pay and collect cheques.
Inflation:
The Reserve Bank of India has effectively contained the inflation expectations in
2007 by managing the WPI inflation down from 6.6% in Feb 2007 to around 4% in
Dec 2007. This is attributed to the moderation of prices of primary food articles and
some manufactured products.
Today the inflation levels touch about approximately 10.35%. as on
September 2010 This increase is basically driven by prices of food as well as
manufactured products. With this there is a increase of 9.28% in prices of primary
articles, 7.64% in prices of fuel and 8.33% in prices of manufactured products. On a
week – to – week basis, rise has been triggered by increase in prices of ‘Food
articles’ group which rose by 1.7% due to higher prices of fish marine, mutton, fruits
and vegetables etc.
Industry Production:
Industrial production dropped sharply in the month of January 2009 owing to
sluggish performance in the manufacturing sector. The general index for the month
of January 2008 showed a growth of only 5.3% compared to growth of 11.6% in
January 2007. This was the third successive month of low growth. In Dec ’07, the
industrial production grew by 7.7%. The lower growth has been contributed by
sluggishness in the manufacturing and mining sector. Cumulatively, industrial
production showed a growth of 8.7% between April-January 2008-09, with 9.8%
growth for manufacturing, 4.6% for mining and 6.3% for electricity. Lagged impact
of interest rate increases and decrease in global demand have been affecting
industrial growth in the last few months.
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Growth in the manufacturing sector declined to 5.9% in Jan’09 as against
12.3% in Jan’08, and growth in mining declined to 1.8% as against 7.7% in Jan’07.
Electricity sector recorded a moderate growth of 3.3% as against 8.3% in Jan’07.
Increases in interest rates over the last two years is impacting the consumer
durable and capital goods sector as consumer durables production, including
washing machine and television sets, fell 3.1% in January after increasing 5.3% a
year earlier and output of capital goods increased by a meager 2.1% compared with
18.3% a year ago. Also indices for machinery and equipment showed a sharp fall of
3.8% in Jan ’08 against 10.7% growth in Dec ’07.
Rupee Outlook:
Massive FII inflows and slumping US dollar in 2007 led to significant

appreciation of rupee. This led to curbing of inflows through external commercial
borrowing and participatory notes measures and has led to stabilization of the rupee
– US $ movement. The outlook for the US dollar is expected to be weak in an
aggressive easing stance adopted by the US Fed.
Fed easing cycle since September 2007 has led to ‘Hold/Softening’ stance
across various Central Banks globally. Global uncertainties triggered by increase
chances of US recession and increasing commodity prices have led to risk aversion
among investors across the globe which has impacted India’s equity and debt
market. In the first two months of 2008, net investment has been $2802mn in equity
and $1103mn in debt respectively against $1193mn in equity and $268mn in debt
respectively in the same period last year.
Trade Outlook:
India’s merchandise exports showed a growth of 21.62% during the first ten
months of period of April – January 2009 to US$ 124.19bn. Exports showed a
growth of 20.47% for Jan ’08 to US$ 18.18bn compared to US$ 10.90bn Jan ’08.
Exports have not performed well so far due to 12% rupee appreciation that has
affected the competitiveness of the export focused industries.
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Labor intensive sectors like textiles, leather, handicrafts and marine products
have been hit the most in recent times.
OBJECTIVE OF STUDY
a) To study and analyze the growth trend of Banking industry w.r.t Private Banking
and Nationalized banking sectors over the period.
b) To study the relationship between the Banking index and BSE Sensex, Sectoral
Index and the share prices of the major industries in this sector.
c) To find how inflation is also a cause for the growth/fall of BANKING INDEX.
With th sample of 6 banks, three from private sector and three from public
sector.
d) Attempt to provide a direction to an investor to analyze and forecast the stock market so
as to make the best possible lucrative deal by investing in stocks.
e) To compare with various factors for FY 2022 and FY 2023. Analyzing public and
private sector banks
SCOPE OF THE STUDY
This analysis attempts to study the growth pattern of Equity sector, such as Banking
and RESPECTIVE to Nationalized banks Vs Private Banks. When compared to its
sector wise indices and the national index S&P CNX Nifty.The analysis hereby done
attempts to prepare a report on the behavior of share prices of major Banking in
Private and Nationalized Sector stocks, so that a investor can prepare and well
diversified portfolio and logically forecast about the behavior of the share market and
invest in a manner so as to make a lucrative deal and earn a maximum possible capital
gain from the market. Moreover the study also gives a comparative analysis of the
above stated stocks with their respective sartorial index and the national index so that
a investor wanting to invest in these sectors can check the past performance and
behavior of major companies in these sectors and analyze their growth trends before
investing making a investment in the stock market.
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NEED FOR THE STUDY
The need of the study is to describe the techniques and planning in present investment
environment. Apart from this, the objective of this study is to keenly understand
issues, examines all the essential analysis and techniques as to how to apply them
successfully. It incorporates sections on fundamental analysis in the contexts of
various companies in the stock markets. The purpose of the study is to supply, inform
suitable guidance to retail investors. For the purpose of study the volatility in the
banking industries stock prices for certain period are considered. For this study the
data collected are return and risk of investing an industrial stock. Equity analysis and
market price of SBI,UNION BANK,BANK OF BARODA, HDFC BANK, ICICI
BANK, AXIS BANK are considered for the study.
RESEARCH METHODOLOGY
SOURCE OF DATA
The following analysis is completely based on Secondary Data
Tools and Techniques

Research Design:
Descriptive Design
Data Analysis:
M.S. Excel with the help of Line Graphs, Moving Averages and Correlation.
Data Processing and Analysis
For a complete analysis on equities, there are basically two parts in which the total
analysis is done.
• Fundamental Analysis
• Technical Analysis
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LIMITATIONS
• Duration of the project is only 45 days, so not possible to evaluate other sector
performance also.
• There is a time frame for every company, like not taken historical daily records
into consideration.
• Analysis based on only correlation to one sector stocks to other stocks and
shown impact of financial results impact only and not applied any research.
• The information which I am going to mention is completely secondary data.
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CHAPTER - II
REVIEW OF LITERATURE
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REVIEW OF LITERATURE
HDFC BANK
INTRODUCTION:-
HDFC is India's premier housing finance company and enjoys an

impeccable track record in India as well as in international markets.
Since its inception in 1977, the Corporation has maintained a consistent
and healthy growth in its operations to remain the market leader in
mortgages. Its outstanding loan portfolio covers well over a million
dwelling units. HDFC has developed
significant expertise in retail mortgage
loans to different market segments and
also has a large corporate client base
for its housing related credit facilities.
With its experience in the financial
markets, a strong market reputation, large shareholder base and unique
consumer franchise, HDFC was ideally positioned to promote a bank in
the Indian environment.
MISSION:-
HDFC Bank's mission is to be a World-Class Indian Bank.
OBJECTIVES:-
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The objective is to build sound customer franchises across distinct businesses
so as to be the preferred provider of banking services for target retail and wholesale
customer segments, and to achieve healthy growth in profitability, consistent with
the bank's risk appetite. The bank is committed to maintain the highest level of
ethical standards, professional integrity, corporate governance and regulatory
compliance. HDFC Bank's business philosophy is based on four core values –
Operational Excellence, Customer Focus, Product Leadership and People.
MANAGEMENT:-
Mr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this,
Mr. Capoor was a Deputy Governor of the Reserve Bank of India.
The Managing Director, Mr. Aditya Puri, has been a professional banker for
over 25 years, and before joining HDFC Bank in 1994 was heading Citibank's
operations in Malaysia.
The Bank's Board of Directors is composed of eminent individuals with a wealth of
experience in public policy, administration, industry and commercial banking.
Senior executives representing HDFC are also on the Board.
Senior banking professionals with substantial experience in India and abroad
head various businesses and functions and report to the Managing Director. Given
the professional expertise of the management team and the overall focus on
recruiting and retaining the best talent in the industry, the bank believes that its
people are a significant competitive strength.
SHAREHOLDING PATTERN:-
NON-PROMOTERS’ HOLDINGS:-
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SHAREHOLDING OF OTHERS:-
STATE BANK OF INDIA

INTRODUCTION:-
The Bank is actively involved since 1973 in non-profit activity called
Community Services Banking. All the branches and administrative offices
throughout the country sponsor and participate in large number of welfare activities
and social causes. Its business is more than banking because It touches the lives of
people anywhere in many ways.The origin of the State Bank of India goes back to the
first decade of the nineteenth century with the establishment of the Bank of Calcutta in
Calcutta on 2 June 1906. Three years later when the bank received its charter and was re-
designed has Bank of Bengal (2nd January 1909). A unique institution, it was the first joint-
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stock bank of British India sponsored by the Government of Bengal. The Bank of Bombay
(19 April 1940) and the Bank of Madras (1 July 1943) followed the Bank of Bengal. These
three banks remained at the apex of modern banking in India till their amalgamation as the
Imperial Bank of India on 27 January 1921.
Primarily Anglo-Indian creations, the three presidency banks came into
existence either as a result of the compulsions of imperial finance or by the felt
needs of local European commerce and were not imposed from outside in an
arbitrary manner to modernize India's economy. Their evolution was, however,
shaped by ideas culled from similar developments in Europe and England, and was
influenced by changes occurring in the structure of both the local trading
environment and those in the relations of the Indian economy to the economy of
Europe and the global economic framework.
The Imperial Bank during the three and a half decades of its existence
recorded an impressive growth in terms of offices, reserves, deposits, investments
and advances, the increases in some cases amounting to more than six-fold. The
financial status and security inherited from its forerunners no doubt provided a firm
and durable platform.
But the lofty traditions of banking which the Imperial Bank consistently
maintained and the high standard of integrity it observed in its operations inspired
confidence in its depositors that no other bank in India could perhaps then equal. All
these enabled the Imperial Bank to acquire a pre-eminent position in the Indian
banking industry and also secure a vital place in the country's economic life.
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When India attained freedom, the Imperial Bank had a capital base (including
reserves) of Rs.11.85 crores, deposits and advances of Rs.275.18 crores and
Rs.72.94 crores respectively and a network of 192 branches and more than 200 sub
offices extending all over the country.
In 1951, when the First Five Year Plan was launched, the development of
rural India was given the highest priority. The commercial banks of the country
including the Imperial Bank of India had till then confined their operations to the
urban sector and were not equipped to respond to the emergent needs of economic
regeneration of the rural areas. In order, therefore, to serve the economy in general
and the rural sector in particular, the All India Rural Credit Survey Committee
recommended the creation of a state-partnered and state-sponsored bank by taking
over the Imperial Bank of India, and integrating with it, the former state-owned or
state-associate banks. An act was accordingly passed in Parliament in May 1955 and
the State Bank of India was constituted on 1 July 1955. More than a quarter of the
resources of the Indian banking system thus passed under the direct control of the
State. Later, the State Bank of India (Subsidiary Banks) Act was passed in 1959,
enabling the State Bank of India to take over eight former State-associated banks as
its subsidiaries (later named Associates).
The State Bank of India was thus born with a new sense of social purpose
aided by the 480 offices comprising branches, sub offices and three Local Head
Offices inherited from the Imperial Bank. The concept of banking as mere
repositories of the community's savings and lenders to creditworthy parties was soon
to give way to the concept of purposeful banking sub serving the growing and
diversified financial needs of planned economic development. The State Bank of
India was destined to act as the pacesetter in this respect and lead the Indian banking
system into the exciting field of national development.
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BOARD OF DIRECTORS:-
Shri Arun Kumar Purwar - Chairman

Shri K. Ashok Kini - Managing Director
Shri.T.S.Bhattacharya - Managing Director
Shri.K.P.Jhunjhunwala - Director
Prof. M.S. Swaminathan - Director
Shri.Ajay G.Piramal - Director
Shri.Suman Kumar Berry - Director
Dr. Ashok Junjhunwala - Director
Shri.A.C.Kalita - Director
Shri. Amar Pal - Director
Shri.Arun Singh - Director
Shri.Rajiv Pandey - Director
Shri.Piyush Goyal - Director
Shri.Ashok K Jha - Director
Smt.Shyamala Gopinath - Director
ASSOCIATE BANKS:-
State Bank of India has the following seven Associate Banks (ABs) with
controlling interest ranging from 75% to 100%.
• State Bank of Bikaner and Jaipur (SBBJ)
• State Bank of Hyderabad (SBH)
• State Bank of Indore (SBI)
• State Bank of Mysore (SBM)
• State bank of Patiala (SBP)
• State Bank of Saurashtra (SBS)
• State Bank of Travancore (SBT)
The seven ABs have a combined network of 4596 branches in India which are fully
computerized, and 1070 ATMs networked with SBI ATMs, providing value added
services to clientele. The ABs recorded an impressive performance during 2003-04.
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The combined net profit of these banks increased by 38% over the previous year to
reach Rs.1938 crores. Deposits and advances grew by 20% and 22%, respectively,
during the year. Three of the ABs viz. SBI, SBP and SBS achieved NIL Net NPA
status while the combined Net NPA ratio of all ABs was at 0.84% as on 31st March
2004.
SHAREHOLDING PATTERNS:-
DOMESTIC/FOREIGN SHAREHOLDINGS:-
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BANK OF BARODA
INTRODUCTION:-
It all started with a visionary Maharaja's uncanny foresight into the future of trade
and enterprising in his country. On 20th July 1908, under the Companies Act of
1997, and with a paid up capital of Rs 10 Lacks started the legend that has now
translated into a strong, trustworthy financial body, THE BANK OF BARODA. It
has been a wisely orchestrated growth, involving corporate wisdom, social pride and
the vision of helping others grow, and growing itself in turn.
The founder, Maharaja Sayajirao Gawked with his insight into the future, saw "a bank of
this nature will prove a beneficial agency for lending, transmission, and deposit of money
and will be a powerful factor in the development of art, industries and commerce of the
State and adjoining territories."
These words are etched into the mind, body and soul of what has now become
a banking legend. Following the Maharaja's words, the emblem has been crafted to
represent wealth, safety, industrial development and an inclination to better and
promote the country's agrarian economy. This emblem shows a coin, symbolizing
wealth, embossed with an upraised palm, a safety cover for the depositor's money,
with a cogwheel that promotes industrial growth in tandem with the two corn ears
that stand for the progress of the staple agricultural growth in the country.
It has been a long and eventful journey of almost a century across 21
countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-
tech Baroda Corporate Centre in Mumbai is a saga of vision, enterprise, financial
prudence and corporate governance.
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. Anil K. Khandelwal - Dr Chairman & Managing Director

Shri Avinash Chander Mahajan - Executive Director
Shri Vinod Rai - Nominee of The Govt. Of India
Shri G.K. Sharma - Nominee of RBI
Smt. Masarrat Shahid - Director
Shri T.K.Balasubramanian - Director
Shri Manish Prabhulal Mehta - Director
Shri Pradeep N. Khandwalla - Director
Dr. Deepak Bhaskar Phatak - Director
Dr. Dharmendra Bhandari - Director
BRANCH NETWORK:-
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Bank of Baroda has its Global Presence in the Countries like Bahamas, Belgium,
Botswana, China, Fiji, Islands, Guyana, Hong Kong, Kenya, Mauritius, Malaysia,
Seychelles, South Africa, Sultanate of Oman, Tanzania, Thailand, Uganda, United
Arab Emirates, United Kingdom, United States of America, and Zambia.
MISSION:-
The Bank shall continue its endeavor to enhance shareholders' value by protecting
their interest and defend their rights by ensuring performance at all levels, and
maximizing returns with minimal use of resources in its pursuit of excellence in
corporate life. The Bank shall comply with not only the statutory requirements, but
also voluntarily formulate and adhere to a set of strong Corporate Governance
practices. The Bank shall strive hard to best serve the interests of its stakeholders
including shareholders, customers, Government and public at large.
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AXIS BANK
INTRODUCTION
UTI Bank was the first of the new private banks to have begun operations in 1994,
after the Government of India allowed new private banks to be established. The
Bank was promoted jointly by the Administrator of the specified undertaking of the
Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General
Insurance Corporation Ltd. and its associates viz. National Insurance Company Ltd.,
The New India Assurance Company, The Oriental Insurance Corporation and United
Insurance Company Ltd. The Bank today is capitalized to the extent of Rs. 278.50
Crores with the public holding (other than promoters) at 72.26 %. The Bank's
Registered Office is at Ahmedabad and its Central Office is located at Mumbai.
Presently the Bank has a very wide network of more than 373 branch offices and
Extension Counters. The Bank has a network of over 1937 ATMs providing 24hrs a
day banking convenience to its customers. This is one of the largest ATM networks
in the country. The Bank has strengths in both retail and corporate banking and is
committed to adopting the best industry practices internationally in order to achieve
excellence.
MISSION:-
• Customer Service and Product Innovation tuned to diverse needs of individual

and corporate clientele.
• Continuous technology up gradation while maintaining human values.
• Progressive globalization and achieving international standards.
• Efficiency and effectiveness built on ethical practices.
CORE VALUES:-
• Customer Satisfaction through

• Providing quality service effectively and efficiently
• Smile, it enhances your face value" is a service quality Stressed on.
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• Periodic Customer Service Audits
• Maximization of Stakeholder value
• Success through Teamwork, Integrity and People
PROMOTERS:-
AXIS Bank Ltd. has been promoted by the largest and the best Financial Institution
of the country, AXIS. The Bank was set up with a capital of Rs. 119 crore, with
AXIS contributing Rs. 100 crore, LIC - Rs. 7.5 crore and GIC and its four
subsidiaries contributing Rs. 1.5 crore each.
Dr. P. J. Nayak - Chairman & Managing Director

Shri Surendra Singh - Director
Shri N.C. Singhal - Director
Shri A.T. Pannir Selvam - Director
Shri J.R. Varma - Director
Dr. R. H. Patil - Director
Smt. Rama Bijapurkar - Director
Shri R B L Vaish - Director
Shri S. Chatterjee - Executive Director (Whole Time)
Shri S B Mathur - Director
Shri M V Subbiah - Director
Shri Ramesh Ramanathan - Director
As on 30/9/2010 the Shareholding Pattern of AXIS Bank is divided in mainly

three parts:
a) Promoters’ Holding
b) Non – Promoters’ Holding
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a) Others.
1) Promoters’ Holdings:-
2) Non Promoters’ Holdings:-
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3) Others:-
SERVICE OFFERED:-
Various Services offered by AXIS Bank are as follows:
• Consumer Banking
• Retail Loans
• Corporate Banking
• Treasury
• Capital Markets
• Financial Advisory Services
BRANCHES:-
Notwithstanding the immense benefits that Internet Banking brings, the Bank
also has other distribution channels. At the end of September 2010, the Bank
increased its reach to 221 cities, towns and villages across the country through 473
Branches & Extension counters and 2187 ATMs. The Bank offers a complete range
of retail and corporate services, including retail loans, corporate credit, forex
services, investment banking, depository services, and investment advisory services.
Our deposit base currently stands at over Rs. 34,000 crores with over 37 lakh ac
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ICICI BANK:
ICICI Bank started as a wholly owned subsidiary of ICICI Limited, an Indian
financial institution, in 1994. Four years later, when the company offered ICICI
Bank's shares to the public, ICICI's shareholding was reduced to 46%. In the year
2000, ICICI Bank offered made an equity offering in the form of ADRs on the New
York Stock Exchange (NYSE), thereby becoming the first Indian company and the
first bank or financial institution from non-Japan Asia to be listed on the NYSE. In
the next year, it acquired the Bank of Madura Limited in an all-stock amalgamation.
Later in the year and the next fiscal year, the bank made secondary market sales to
institutional investors. With a change in the corporate structure and the budding
competition in the Indian Banking industry, the management of both ICICI and
ICICI Bank were of the opinion that a merger between the two entities would prove
to be an essential step. It was in 2001 that the Boards of Directors of ICICI and
ICICI Bank sanctioned the amalgamation of ICICI and two of its wholly-owned
retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI
Capital Services Limited, with ICICI Bank. In the following year, the merger was
approved by its shareholders, the High Court of Gujarat at Ahmadabad as well as the
High Court of Judicature at Mumbai and the Reserve Bank of India.
PRESENT SCENARIO
ICICI Bank has its equity shares listed in India on Bombay Stock Exchange and the
National Stock Exchange of India Limited. Overseas, its American Depositary
Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). As of
December 31, 2008, ICICI is India's second-largest bank, boasting an asset value of
Rs. 3,744.10 billion and profit after tax Rs. 30.18 billion, for the nine months, that
ended on December 31, 2008.
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Branches & ATMs
ICICI Bank has a wide network both in Indian and abroad. In India alone, the bank
has 1,420 branches and about 4,644 ATMs. Talking about foreign countries, ICICI
Bank has made its presence felt in 19 countries - United States, Singapore, Bahrain,
Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and
representative offices in United Arab Emirates, China, South Africa, Bangladesh,
Thailand, Malaysia and Indonesia. The Bank proudly holds its subsidiaries in the
United Kingdom, Russia and Canada out of which, the UK subsidiary has
established branches in Belgium and Germany.
Products & Services

Personal Banking
• Deposits
• Loans
• Cards
• Investments
• Insurance
• Demat Services
• Wealth Management
NRI Banking
• Money Transfer
• Bank Accounts
• Investments
• Property Solutions
• Insurance
• Loans
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Business Banking
• Corporate Net Banking
• Cash Management
FXOnline
SME Services
Online Taxes
Custodial Services
UNION BANK
UNION Bank is an Indian bank based in Hyderabad. The bank was established in
the year 1923, and its founder was Dr. Bhogaraju Pattabhi Sitaramayya, a well
known freedom fighter. The initial authorized capital of the bank was Rs. 10.00
lacks, while the paid up capital was Rs. 1.00 lack at the time of its registration.
Financial Details
Total Business volume of the bank in the third quarter of the 2008-09 financial years
stood at Rs. 95, 822 Crores, while the Total Deposit volume during the same tenure
was Rs. 53,795 Crores. As of 31st of December, 2008, UNION Bank had a client
base of more than 19.5 Million customers with 2194 Business Delivery Channels.
Till the same date, the bank had 1,410 branches spread across 22 states and 2 Union
Territories, out of which 1,067 branches have been enabled with Centralized Core
Banking Solution (CBS). While the total number of ATMs summed up to 685, the
bank had a Per Employee Productivity of Rs 6.92 Crore.
Products and Schemes
Apart from regular banking services and solutions, UNION Bank has introduced
some attractive services such as AB Premium Current Account and AB Privilege
Corporate Salary Savings Bank Account with extra benefits to the customers. Also,
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the bank has launched AB Saral Housing Loan scheme featuring housing loans up to
Rs. 20 Lacks.
UNION Bank has also partnered with various financial institutions like
Kotak Mahindra, Reliance, Birla Sun Life Mutual Fund and Fidelity Mutual Fund,
assisting them in sales of their Mutual Fund products. The bank has also signed a
Memorandum of Understanding (MOU) with Maruti Suzuki Ltd. for financing 4
wheeler vehicles.
PIONEERING EFFORTS
UNION Bank is the first bank in India to have launched mobile biometric ATMs.
These ATMs stop at predestinated sites, and instead of entering the personal
identification number (PIN), the customers have to match their finger prints with
their recorded finger prints in the bank database. This has enabled even the illiterate
or uneducated customers of the bank to enjoy the ATM facility being offered.
SOCIAL ACTIVITIES
As an initiative to empower the society, the bank has established 10 Rural Training
Institutes, which have provided training to 76,300 candidates for getting successfully
self employed. The institutes offer free training; lodging, boarding facilities coupled
with to and fro travel expenditure to the candidates undergoing the training programs
PRODUCTS & SERVICES

PERSONAL BANKING
• Deposits
• Loans
• Cards
• Investments
• Insurance
• Demat Services
• Wealth Management
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BUSINESS BANKING
• Corporate Net Banking

• Cash Management
• Trade Services
• SME Services
• Online Taxes
SHARE HOLDING PATTERN OF UNION BANK
RS. PROMOTERS
FIIS
0%
1% 0% 0% RESIDENT INDIVIDUALS
0% IFI'S
1% 0%
MUTUAL FUNDS
3% 0%
4% 0% BODIES CORPORATES
7% NRIS
17% EMPLOYEES
BANKS
CLEARING MEMBERS
67%
HUF
OCBs
TRUSTS
TRANSIT
28
CHAPTER – III
INDUSTRY
&
COMPANY PROFILE
29
INDUSTRY PROFILE
NATIONAL STOCK EXCHANGE

The National Stock Exchange of India (NSE) situated in Mumbai - is the
largest and most advanced exchange with 1018 companies listed and 726 trading
members. Capital market reforms in India and the launch of the Securities and
Exchange Board of India (SEBI) accelerated the incorporation of the second Indian
stock exchange called the National Stock Exchange (NSE) in 1992. After a few
years of operations, the NSE has become the largest stock exchange in India.
Three segments of the NSE trading platform were established one after
another. The Wholesale Debt Market (WDM) commenced operations in June 1994
and the Capital Market (CM) segment was opened at the end of 1994. Finally, the
Futures and Options segment began operating in 2000. Today the NSE takes the
18th position in the top 40 futures exchanges in the world.
In 1996, the National Stock Exchange of India launched S&P CNX Nifty and
CNX Junior Indices that make up 100 most liquid stocks in India. CNX Nifty is a
diversified index of 50 stocks from 25 different economy sectors. The Indices are
owned and managed by India Index Services and Products Ltd (IISL) that has a
consulting and licensing agreement with Standard & Poor's.
In 1998, the National Stock Exchange of India launched its web-site and was
the first exchange in India that started trading stock on the Internet in 2000. The
NSE has also proved its leadership in the Indian financial market by gaining many
awards such as 'Best IT Usage Award' by Computer Society in India (in 1996 and
1997) and CHIP Web Award by CHIP magazine (1999).
The NSE is owned by the group of leading financial institutions such as Indian
Bank or Life Insurance Corporation of India. However, in the totally de-mutualised
Exchange, the ownership as well as the management does not have a right to trade
on the Exchange. Only qualified traders can be involved in the securities trading.
30
The NSE is one of the few exchanges in the world trading all types of
securities on a single platform, which is divided into three segments: Wholesale
Debt Market (WDM), Capital Market (CM), and Futures & Options (F&O) Market.
Each segment has experienced a significant growth throughout a few years of
their launch. While the WDM segment has accumulated the annual growth of over
36% since its opening in 1994, the CM segment has increased by even 61% during
the same period. The National Stock Exchange of India has stringent requirements
and criteria for the companies listed on the Exchange. Minimum capital
requirements, project appraisal, and company's track record are just a few of the
criteria. In addition, listed companies pay variable listing fees based on their
corporate capital size.
The National Stock Exchange of India Ltd. provides its clients with a single,
fully electronic trading platform that is operated through a VSAT network. Unlike
most world exchanges, the NSE uses the satellite communication system that
connects traders from 345 Indian cities. The advanced technologies enable up to 6
million trades to be operated daily on the NSE trading platform.
NSE Nifty:
The S&P CNX Nifty (nicknamed Nifty 50 or simply Nifty), is the leading
index for large companies on the National Stock Exchange of India. S&P CNX Nifty
is a well diversified 50 stock index accounting for 22 sectors of the economy. It is
used for a variety of purposes such as benchmarking fund portfolios, index based
derivatives and index funds.
Nifty was developed by the economists Ajay Shah and Susan Thomas, then at
IGIDR. Later on, it came to be owned and managed by India Index Services and
Products Ltd. (IISL), which is a joint venture between NSE and CRISIL. IISL is
India's first specialised company focused upon the index as a core product. IISL
have a consulting and licensing agreement with Standard & Poor's (S&P), who are
world leaders in index services.
CNX stands for CRISIL NSE Indices. CNX ensures common branding of
indices, to reflect the identities of both the promoters, i.e. NSE and CRISIL. Thus,
'C' stands for CRISIL, 'N' stands for NSE and X stands for Exchange or Index. The
S&P prefix belongs to the US-based Standard & Poor's Financial Information
Services.
31
NSE OTHER INDICES:
• S&P CNX Nifty

• CNX Nifty Junior
• CNX 100
• S&P CNX 500
• CNX Midcap
• S&P CNX Defty
• CNX Midcap 200
BOMBAY STOCK EXCHANGE:
The Bombay Stock Exchange Limited (formerly, The Stock Exchange,

Mumbai; popularly called The Bombay Stock Exchange, or BSE) is the oldest stock
exchange in Asia. It is located at Dalal Street, Mumbai, India Bombay Stock
Exchange was established in 1975. There are around 5,600 Indian companies listed
with the stock exchange, and has a significant trading volume. As of October2006,
the market capitalization of the BSE was about Rs. 33.4 trillion (US $ 730 billion).
The BSE SENSEX (SENSitive indEX), also called the BSE 30, is a widely used
market index in India and Asia. As of 2005, it is among the 5 biggest stock
exchanges in the world in terms of transactions volume.
History:
An informal group of 22 stockbrokers began trading under a banyan tree
opposite the Town Hall of Bombay from the mid-1950s, 1975, was formally
organized as the Bombay Stock Exchange (BSE).In January 1999, the stock
exchange moved into the Brokers’ Hall after it was inaugurated by James M
32
MacLean. After the First World War, the BSE was shifted to an old building near the
Town Hall. In 1956, the Government of India recognized the Bombay Stock
Exchange as the first stock exchange in the country under the Securities Contracts
(Regulation) Act.1995, when it was replaced by an electronic (eTrading) system
named BOLT, or the BSE Online Trading system. In 2005, the status of the
exchange changed from an Association of Persons (AoP) to a full fledged
corporation under the BSE (Corporatization and Demutualization) Scheme, 2005
(and its name was changed to The Bombay Stock Exchange Limited).
BSE SENSEX:
The BSE SENSEX (also known as the BSE 30) is a value-weighted index
composed of 30 scrips, with the base April 1979 = 100. The set of companies which
make up the index has been changed only a few times in the last 20 years. These
companies account for around one-fifth of the market capitalization of the BSE.
SENSEX, first compiled in 1986 was calculated on a "Market Capitalization-
Weighted" methodology of 30 component stocks representing a sample of large,
well-established and financially sound companies. The base year of SENSEX is
1978-79. The index is widely reported in both domestic and international markets
through print as well as electronic media. SENSEX is not only scientifically
designed but also based on globally accepted construction and review methodology.
From September 2003, the SENSEX is calculated on a free-float market
capitalization methodology. The "free-float Market Capitalization-Weighted"
methodology is a widely followed index construction methodology on which
majority of global equity benchmarks are based.
The growth of equity markets in India has been phenomenal in the decade
gone by. Right from early nineties the stock market witnessed heightened activity in
terms of various bull and bear runs. More recently, the bourses in India witnessed a
similar frenzy in the 'TMT' sectors. The SENSEX captured all these happenings in
the most judicial manner. One can identify the booms and bust of the Indian equity
market through SENSEX.
The values of all BSE indices are updated every 19 seconds during the market hours
and displayed through the BOLT system, BSE website and news wire agencies.
33
SENSEX CALCULATION:
SENSEX is calculated using a "Market Capitalization-Weighted" ethodology.

As per this methodology, the level of index at any point of time reflects the total
market value of 30 component stocks relative to a base period. (The market
capitalization of a company is determined by multiplying the price of its stock by the
number of shares issued by the company). An index of a set of combined variables
(such as price and number of shares) is commonly referred as a 'Composite Index' by
statisticians. A single indexed number is used to represent the results of this
calculation in order to make the value easier to work with and track over time. It is
much easier to graph a chart based on indexed values than one based on actual
values.
The base period of SENSEX is 1978-79. The actual total market value of
the stocks in the Index during the base period has been set equal to an indexed value
of 100. This is often indicated by the notation 1978-79=100. The formula used to
calculate the Index is fairly straightforward. However, the calculation of the
adjustments to the Index (commonly called Index maintenance) is more complex.
The calculation of SENSEX involves dividing the total market capitalization of 30

companies in the Index by a number called the Index Divisor. The Divisor is the
only link to the original base period value of the SENSEX. It keeps the Index
comparable over time and is the adjustment point for all Index maintenance
adjustments. During market hours, prices of the index scrips, at which latest trades
are executed, are used by the trading system to calculate SENSEX every 19 seconds
and disseminated in real time.During market hours, prices of the index scrips, at
which trades are executed, are automatically used by the trading computer to
calculate the SENSEX every 19 seconds and continuously updated on all trading
workstations connected to the BSE trading computer in real time.
BSE - OTHER INDICES:

Apart from BSE SENSEX, which is the most popular stock index in India, BSE uses
other stock indices as well:
34
• BSE 500
• BSE PSU
• BSE MIDCAP
• BSE SMLCAP
• BSE BANKEX
COMPANY PROFILE
Incorporated in 1993, Net worth Stock Broking Limited (NSBL) has been a listed
company at Bombay Stock Exchange (BSE), Mumbai since 1995.A Member, at the
National Stock Exchange of India (NSE) and Bombay Stock Exchange, Mumbai (BSE)
on the Capital Market and Derivatives (Futures & Options) segment, NSBL has been
traditionally servicing Institutional clients and in the recent past has forayed into retail
broking, establishing branches across the country. Presence is being marked in the
Middle East, Europe and the United States too, as part of our attempts to cater to global
markets. We are a Depository participant at Central Depository Services India (CDSL)
with plans to become one at National Securities Depository (NSDL) by the end of this
quarter. We have our customers participating in the booming commodities markets with
our membership at the Multi Commodity Exchange of India (MCX) and National
Commodity & Derivatives Exchange (NCDEX), through Networth Stock.Com Ltd.
With its strong support and business units of research, distribution & advisory, NSBL
aims to become a one-stop solution to the broking and investment needs of its clients,
globally. Strong team of professional’s experienced and qualified pool of human
resources drawn from top financial service & broking houses form the backbone of our
sizeable infrastructure. Highly technology oriented, the company’s scalability of
operations and the highest level of service standards has ensured rapid growth in the
number of locations & the clients serviced in a very short span of time. ‘Networthians’,
35
as each one of our 400 plus and ever growing team members are addressed, is a
dedicated team motivated to continuously progress by imbibing the best of global
practices, Indian singsuch practices, and to constantly evolve a comprehensive suite of
products & services trying to meet every financial / investment need of the clients.NSE
CM and Derivatives Segment SEBI Regn. 1NB230638639 & 1NF230638639BSE CM
and Derivatives Segment SEBI Regn. 1NB010638634 &PMS SEBI Regn.
1NP000001871 CDSL DP SEBI Regn. IN-DP-CDSL Commodities Trading: MCX -
10585 and NCDEX - 00011 (through Networth Stock.Com Ltd.)
b) Hyderabad (Somajiguda)
c) 401, Dega Towers, 4th Floor, Raj Bhavan Road, Somajiguda Hyderabad - 500
082
d) UNION Pradesh.
e) Phone Nos.: 040-55560708, 55562256, and 30994985
f) Mumbai (MF Division)
g) 49, Au Chambers, 4th Floor, Tamarind Lane, Fort
h) Mumbai - 400 001
i) Maharashtra.
j) Phone Nos.: 022- 22650253
k) Mumbai (Registered Office)
l) 5, Church gate House, 2nd Floor, 32/ 34 Veer Narirnan Road, Fort
m) Mumbai - 400 001
n) Maharashtra.
o) Phone No. 022-22850428
p) The Networth connectivity with 107 branches and growing
36
107 branches
a. Products and services portfolio
b. Retail and institutional broking
c. Research for institutional and retail clients
d. Distribution of financial products
e. PMS
f. Corporate finance
g. Net trading
h. Depository services
i. Commodities Broking
37
INFRASTRUCTURE
A corporate office and 3 divisional offices in CBD of Mumbai which houses state-of-
the-art dealing room, research wing & management and back offices. All of 107
branches and franchisees are fully wired and connected to hub at Corporate office at
Mumbai. Add on branches also will be wired and connected to central hub Web enabled
connectivity and software in place for net trading. 60 operative ID’s for dealing room In
house technology back up team to ensure un-interrupted connectivity. 1993: Networth
Started with 300 Sq.ft. of office space & 10 employee 2006: Spread over 42 cities
(around 70,000 Sq.ft of office space) with over 107 branches & employee strength over
400
Market & research
Focusing on your needs Every investor has different needs, different preferences, and
different viewpoints. Whether investor prefer to make own investment decisions or
desire more in-depth assistance, company committed to providing the advice and
research to help you succeed. Networth providing following services to their customers,
a) Daily Morning Notes
b) Market Musing
38
c) Company Reports
d) Theme Based Reports
e) Weekly Notes
f) IPOs
g) Sector Reports
h) Stock Stance
i) Pre-guarter/Updates
j) Bullion Tracker
k) F&O Tracker
QUALITY POLICY
To achieve and retain leadership, Networth shall aim for complete customer
satisfaction, by combining its human and technological resources, to provide superior
quality financial services. In the process, Networth will strive to exceed Customer’s
expectations.
As per the quality policy, Networth will:
Build in house processes that will ensure transparent and harmonious relationships with
its clients and investors to provide high quality of services. Establish a partner
relationship with in its investor service agents and vendors that will help in keeping up
its commitments to the customers. Provide high quality of work life for all its
employees and equip them with adequate knowledge & skill so as to respond to
customer’s needs. Continue to uphold the values of honesty & integrity and strive to
establish unparalleled standards in business ethics. Use state-of-the art information
technology in developing new and innovative financial products and services to meet
the changing needs of investors and clients. Strive to be a reliable source of value-added
financial products and services and constantly guide the individuals and institutions in
39
making a judicious choice of it. Strive to keep all stake-holders (share holders, clients,
investors, employees, suppliers and regulatory authorities) proud and satisfied.
Key Personnel:
Mr. S P Jain – CMD Networth Stock Broking Ltd. A qualified Chartered Accountant
with over 19 years of experience in the capital markets. Mr. Deepak Mehta – Head
PMS Over 12 years of experience in the capital markets and has the prior work
experience of serving on the Equity desk of Reliance. Mr.Viral Doshi – Equity
Strategist A qualified Chartered Accountant with experience of over a decade in
technical analysis with respect to equit markets. Mr. Vinesh Jain – Asst. Fund Manager
A qualified MBA graduate specializing in finance and over two years of experience
in the capital markets. Research and the Back office. we have sought to provide
premium financial services and information, so that the power of investment is vested
with the client. We equip those who invest with us to make intelligent investment
decisions, providing them with the flexibility to either tap into our extensive knowledge
and expertise, or make their own decisions. We made our debut into the financial world
by servicing Institutional clients, and proved its high scalability of operations by
growing exponentially over a short period of time. Now, powered by a top-notch
research team and a network of experts, we provide an array of financial products &
services spanning entire India.Our strong support, technology-driven operations and
business units of research, distribution, advisory, wide array of products & services
coalesce to provide you with a one-stop solution to cater to all your investment needs.
Our single minded objective is to help you grow your Networth.
OUR GROUP COMPANIES
Networth Stock Broking Ltd. [NSBL] NSBL is a member of the National Stock
Exchange of India Ltd (NSE) and the Bombay Stock Exchange Ltd (BSE) in the Capital
Market and Derivatives (Futures & Options) segment. NSBL has also acquired
membership of the currency derivatives segment with NSE, BSE & MCX-SX. It is
Depository participants with Central Depository Services India (CDSL) and National
Securities Depository (India) Limited (NSDL). With a client base of over 1L loyal
40
customers, NSBL is spread across the country though its over 230+ branches. NSBL is
listed on the BSE since 1994. Networth Wealth Solutions Ltd. [NWSL] NWSL is into
the business of delivery of Financial Planning & Advice. It’s vision is to ‘Advice &
Execute money related solutions to/for our customers in the most Convenient &
Consolidated manner, while making sure that their experience with us is always
pleasant & memorable resulting in positive advocacy’. The product & Services include
Financial Planning, Life Insurance, On-line Trading Account, Mutual Funds,
Debentures/Bonds, General Insurance, Loans and Depository Services.
NetworthStock.ComLtd.[NSCL]
NSCL is the commodities arm of NSBL. It is a member at the Multi Commodity
Exchange of India (MCX) and National Commodity & Derivatives Exchange (NCDEX)
and is backed by solid research & analytics in Commodities.
NetworthSoftTechLtd.[NSL]
NSL is an ISO 9001:2000 Certified Company. It is into Application Development &
maintenance. Building & Implementation of packaged software across various functions
within the Financial Services Industry is at its core. It also provides data center services
which include hosting of websites, applications & related services. It combines a unique
delivery model infused by a distinct culture of customer satisfaction.
Ravisha Financial Services Pvt. Ltd. [RFSL]
RFSL is a RBI registered NBFC engaged in financing, primarily it provides loan against
securitie Principles & Values At Net worth Stock Broking Ltd. success is built on
teamwork, partnership and the diversity of the people. At the heart of our values lie
diversity and inclusion. They are a fundamental part of our culture, and constitute a
long-term priority in our aim to become the world's best international bank.
• Values
• Responsive
• Trustworthy
• Creative
41
• Courageous
• Approach
Participation:- Focusing on attractive, growing markets where we can leverage our

relationships and expertise
Competitive positioning:- Combining global capability, deep local knowledge and

creativity to outperform our competitors Management Discipline:- Continuously
improving the way we work, balancing the pursuit of growth with firm control of costs
and risks Commitment to stakeholders
Customers:- Passionate about our customers' success, delighting them with the
quality of our service
Our People:- Helping our people to grow, enabling individuals to make a difference
and teams to win
Communities:- Trusted and caring, dedicated to making a difference
Investors:- A distinctive investment delivering outstanding performance and superior

returns
Regulators: - Exemplary governance and ethics wherever we are.
42
CHAPTER - IV
DATA ANALASIS
&
INTERPRETATION
43
DATA ANALYSIS AND INTERPRETATION
FUNDAMENTAL ANALASYS OF SELECTED PRIVATE BANKS

Vs PUBLIC SECTOR BANKS WITH DATABASE FY2022-2023
TOTAL ASSETS:
BANKS (in 2022 2023 %change

Rs. Crore)
SBI 1223736.2 1223736.2 0
BOB 278318.71 358397.19 28.7731
ICICI 363399.71 406233.67 11.787
HDFC BANK 222458.56 277352.61 24.6761
AXIS BANK 190647.87 242718.37 34.3572
UNION BANK 90342.43 108900.73 20.5422
• AXIS BANK from Public sector banks total assets increased by

approx 34%
• Private sector banks total assets increased by 69%
• Here there is no change in SBI total assets for 2022 & 2023.
• Among the nationalized banks BOB assets increased by 28%
44
CAPITAL:
BANKS(in Rs. Crore) 2022 2023 %change
SBI 634.88 635 0.0199
BOB 365.53 392.81 7.46318
ICICI 1118.89 1191.82 3.31243
HDFC 457.74 465.23 1.6363
AXIS BANK 405.19 410.55 1.32784
UNION BANK 485 559.58 19.3773
• Public sector banks capital increased in this period, UNION

BANK by 19% and BOB 7.5% more than private sector banks
• Other private sector banks also increased their capital in this period.
• There is no decrease in capital structure for the given period.
NETWORTH SECURITIES LTD:
SBI 65949.2 64986.04 -1.4605
BOB 19106.39 20993.11 38.9684
ICICI 51819.37 55090.93 6.72737
HDFC 21922.49 25379.27 19.9198
AXIS BANK 18044.61 19998.83 19.4125
UNION BANK 4410.05 6492.42 47.2197
• The average net worth of public sector banks increased by 27.46%

• The average net worth of private sector banks increased by 11%
45
DEPOSITS:
BANKS(in Rs. 2022 2023 %change

Crore)
SBI 804118.23 933932.81 18.184
BOB 241044.26 305439.48 26.7191
ICICI 202022.6 225602.11 11.675
HDFC 187404.44 208586.41 24.6003
AXIS BANK 181800.22 199237.8 33.926
UNION Bank 77688.21 92196.28 19.6233
• The average deposit of public sector banks increased by 20.49%

• The average deposit of private sector banks increased by 23.4%
ADVANCES:

Crore)
SBI 631918.19 756719.45 19.7504
BOB 195035.29 228676.36 30.6459
ICICI 191205.6 218365.9 19.4035
HDFC 125830.59 199982.67 27.1818
AXIS BANK 104343.12 182407.83 36.4803
UNION Bank 56118.51 71835.36 27.3051
• BOB advances increased by 30.64 %.
• AXIS BANK advances increased by 36.48%
46
• NATIONALIZED banks advances increased by 25.33%
• Private sector banks advances increased by 28.25%
INVESTMENTS:

Crore)
SBI 285790.07 295600.57 3.43276
BOB 61192.35 71260.63 18.4725
ICICI 120892.8 184685.96 11.4094
HDFC 58607.62 70929.37 21.0241
AXIS BANK 55974.82 71991.62 28.6183
UNION Bank 20881 24204 19.918
• Public sector banks investments were up by 12.00%

• Private sector banks investments were up by 20.00%
NET PROFIT:

Crore)
SBI 9186.05 7370.69 -19.587
BOB 3058.33 4241.68 38.6927
ICICI 4024.98 5191.38 27.9852
HDFC 2948.7 3926.4 33.197
AXIS BANK 2518.53 3388.49 34.7564
UNION Bank 1045.85 1267.07 21.1922
47
• SBI net profit decrease by 19.58% and BOB increased by 38.69%
• Private sector banks net profit increase by 32%
TOTAL INCOME:

Crore)
SBI 85962.07 96329.45 12.0604
BOB 19504.7 24695.11 9.274680603
ICICI 32999.36 33082.96 -19.8400941
HDFC 19983.52 24361.72 0.912189592
AXIS BANK 19583.8 19786.64 18.48223218
UNION Bank 7337.49 9198.24 19.50309446
• Total income of ICICI banks decrease by 19.84%

• Total income of UNION bank increase by 19.50%
• Nationalized banks total income is more than private sector
banks.
INTEREST INCOME:
c 2022 2023 %change
SBI 70993.92 81894.36 18.6498
BOB 18698.34 21985.92 31.0664
48
ICICI 25706.93 25974.05 1.0391
HDFC 18192.9 19928.21 23.2198
AXIS 11838.02 19194.81 30.2191

BANK
UNION 6372.87 8291.28 30.1028

Bank
• Public sector banks interest income increased by 25.23%

• Private sector banks interest income increased by 19.18%
OTHER INCOME:
SBI 18968.19 18935.09 -0.2209
BOB 2806.36 2809.19 0.10084
ICICI 7292.43 7108.91 -2.5186
HDFC 3810.62 4433.51 18.3462
AXIS BANK 3945.78 4632.18 19.3945
UNION Bank 964.62 896.96 -7.0182
• HDFC BANK & AXIS BANK other income rose by 18.34 &
19.39 % respectively.
• UNION bank from nationalized bank’s other income decreased by
7%
49
TOTAL LIABILITIES:
BANKS(in 2022 2023 %change

Rs. Crore)
SBI 907127.83 1223736.2 34.9023
BOB 254394.35 358397.19 40.8825
ICICI 296280.19 406233.67 37.1118
HDFC 190320.18 277352.6 53.8112
AXIS 198469.77 242718.37 53.1807

BANK
UNION 83540.65 108900.72 30.3566

BANK
• Nationalized banks Liabilities increased by 35.33%

• Private banks Liabilities increased by 48%
INFLATION DATA:
1400000
1200000
1000000 2014
800000
600000 2015
400000 %change
200000
0
ICICI
SBI
BANK
AXIS
Above graph indicating India’s inflation data for last 6 months (September
2022 to February 2023). When observes the data in the month of October
50
2022 inflation recorded 10.06 and in the month of February 2023 recorded
low of 5.32 its continuous decreasing numbers from month on month.
Decreasing inflation is positive impact on banking index as well as on main
indices (sensex, nifty). The study reveals how inflation data become a cause
for fluctuation of banking sector stocks over a period of time.
INTEREST RATES:
100000
80000 2014
60000
2015
40000
20000 %change
0
FC
I
B
I
IC
SB
NK
BO
nk
IC
HD
BA
Ba
ra
IS
dh
AX
An
The above chart indicates India’s interest rates from October 2022 to January
2023. There is no change in interest rates in last 5 months. For this inflation is
main cause. In a economy to control interest rates, controlling inflation is only
the solution. The study explains short term performance of SIX BANKS
Performance evaluation of private sector and public sector banks for the
period 11th February 2023to 11th May 2023.
Symbol Open High Low Close

Date Price Price Price Price %change
SBI 11-May-
23 2291 2319 2291 2305.7 0
SBI 2289.9 2323 2199.9 2199.9 2089.9

10-May-
51
23
SBI 09-May-
23 2260 2326.8 2244 2290.95 2190.95
SBI 08-May-
23 2260 2273 2231.55 2254.7 2194.7
SBI 07-May-
23 2220 2264 2219.55 2256.8 2196.8
SBI 06-May-
23 2205.55 2232.55 2233 2226.1 2126.1
SBI 03-May-
23 2285 2293.4 2206 2218.8 2118.8
SBI 02-May-
23 2275 2326.85 2265.19 2299.45 2199.45
SBI 30-Apr-
23 2282 2292.5 2225.35 2264.3 2184.3
SBI 29-Apr-
23 2302 2309.45 2262.1 2273.55 2193.55
SBI 26-Apr-
23 2325 2334.55 2277.19 2287.95 2197.95
SBI 25-Apr-
23 2309 2343 2294 2334.55 2234.55
SBI 23-Apr-
23 2340 2343.3 2266 2287.5 2197.5
SBI 22-Apr-
23 2306.4 2360 2306.4 2327.1 2227.1
SBI 21-Apr-
23 2253.4 2312.55 2235 2299.65 2199.65
SBI 21-Apr-
23 2195 2269.85 2195 2245.19 2195.19
SBI 18-Apr-
23 2198 2193.95 2190 2193.1 2083.1
SBI 2063 2198.4 2062.6 2186.3 2046.3

19-Apr-
52
23
SBI 12-Apr-
23 2040 2097 2020 2081.8 1981.8
SBI 11-Apr-
23 2034.8 2050 2008 2042.35 2342.35
SBI 10-Apr-
23 1999 2028.65 1976.1 2023.19 1923.19
SBI 09-Apr-
23 2045.25 2066 1980 1988.25 1988.25
SBI 08-Apr-
23 2057.4 2071.4 2028.7 2033.7 1933.7
SBI 05-Apr-
23 2067.6 2084 2042 2056.7 1956.7
SBI 04-Apr-
23 2090.45 2097 2057.45 2067.6 1967.6
SBI 03-Apr-
23 2186.25 2236.95 2090.6 2104.6 2004.6
SBI 02-Apr-
19 2082.2 2198 2075.65 2190.45 2040.45
SBI 01-Apr-
23 2085 2097.95 2066.45 2090.6 1990.6
SBI 28-Mar-
23 2048.85 2080 2031 2072.75 1972.75
SBI 26-Mar-
23 2050 2067.9 2027.1 2050.3 1950.3
SBI 25-Mar-
23 2124.9 2125.05 2052.9 2058.25 1958.25
SBI 22-Mar-
23 2123.25 2180 2076 2083.95 1983.95
SBI 21-Mar-
23 2126 2199 2080.25 2119.45 2023.45
SBI 2199.5 2209.65 2110.3 2120.4 2020.4

20-Mar-
53
23
SBI 19-Mar-
23 2266 2269.7 2190.19 2203.55 2103.55
SBI 19-Mar-
23 2237.7 2259.2 2233.35 2249.8 2199.8
SBI 19-Mar-
23 2264 2273.8 2237.5 2262 2182
SBI 19-Mar-
23 2199 2261.5 2185.2 2255.05 2195.05
SBI 18-Mar-
23 2197 2219.05 2191.2 2199.35 2079.35
SBI 12-Mar-
23 2207 2228 2193.1 2206.85 2106.85
SBI 11-Mar-
23 2209.4 2221 2193.65 2204.7 2104.7
SBI 08-Mar-
23 2197.25 2219.95 2196.1 2209.5 2109.5
SBI 07-Mar-
23 2182.25 2192 2195.19 2186.19 2066.19
SBI 06-Mar-
23 2191 2194.95 2186.5 2188.6 2068.6
SBI 05-Mar-
23 2112 2189 2081.4 2128.55 2028.55
SBI 04-Mar-
23 2087.4 2108.6 2076.5 2099.5 1999.5
SBI 01-Mar-
23 2087 2108.95 2066 2087.65 1987.65
SBI 28-Feb-
23 2234 2236.7 2051 2080.9 1980.9
SBI 27-Feb-
23 2212.45 2232.65 2197 2218.4 2118.4
SBI 2208 2218 2198.65 2198.4 2098.4

26-Feb-
54
23
SBI 25-Feb-
23 2210 2239 2201.05 2220.9 2120.9
SBI 22-Feb-
23 2211 2225.45 2190.05 2196 2096
SBI 21-Feb-
23 2239.4 2242.95 2200.19 2210.55 2110.55
SBI 20-Feb-
23 2285 2287.19 2246.6 2252.05 2192.05
SBI 23-Feb-
23 2268.85 2280 2237 2273.5 2193.5
SBI 22-Feb-
23 2235 2268.8 2235 2262.7 2182.7
SBI 21-Feb-
23 2207 2247.7 2205.19 2233.45 2183.45
SBI 19-Feb-
23 2250 2269 2195 2219.75 2119.75
SBI 18-Feb-
23 2302 2323.25 2242.5 2254.7 2194.7
SBI 12-Feb-
23 2301 2307.6 2278.8 2296.4 2196.4
SBI 11-Feb-
23 2289.9 2311.9 2277.35 2294.35 2194.35
55
SBI 11-May-15 2291 2315 2291 2305.7 0 SBI 10-
May-15 2289.9 2323 2189.9 2189.9 2089.9 SBI 9-
May-15 2260 2326.8 2244 2290.95 2190.95 SBI 18-
Apr-15 2253.4 2312.55 2235 2299.65 2199.65 SBI
17-Apr-15 2195 2269.85 2195 2245.15 2155.15 SBI
16-Apr-15 2158 2193.95
SBI 11-May-15
2200 2291 2315
2000
1 2 3 4 5 2291 2305.7 0
SBI 10-May-15
DATA INTERPRETATION:
Above graph indicating performance of SBI, from 11th February 2023

to 11th may 2023.According to above data SBI recorded low of 1,97610
on April 10th estimating inflation is also a factor for the growth, when
you observes April 22nd week performance of the stock it recorded a
high of 2,360.00 due to decrease in the inflation rates there is a positive
impact on performance of SBI
Symbol High Low Close

Date Date Price Price Price %change
BANKBARODA 11-May-23 11-May-18 707.8 700.55 703.45 0
BANKBARODA 10-May-23 10-May-18 704.9 689.05 703.2 603.2
BANKBARODA 09-May-23 09-May-18 709 681.4 699.9 599.9
56
BANKBARODA 07-May-23 07-May-18 718.95 699 704.9 604.9
BANKBARODA 03-May-23 03-May-18 719.4 691.55 699.45 599.45
BANKBARODA 30-Apr-23 30-Apr-18 705.35 675.5 698.95 598.95
BANKBARODA 29-Apr-23 29-Apr-18 705 694.9 698.7 598.7
BANKBARODA 26-Apr-23 26-Apr-18 709.8 693 697.55 597.55
BANKBARODA 25-Apr-23 25-Apr-18 722 693 708.55 608.55
BANKBARODA 04-Apr-23 04-Apr-18 668 651 655.5 555.5
BANKBARODA 28-Mar-23 28-Mar-18 683 661.4 675.4 575.4
57
BANKBARODA 26-Mar-23 26-Mar-18 669.55 651.6 664.9 564.9
BANKBARODA 25-Mar-23 25-Mar-18 688.2 655 658.25 558.25
BANKBARODA 19-Mar-23 19-Mar-18 734 709.2 725 625
BANKBARODA 28-Feb-23 28-Feb-18 743 685.8 695.65 595.65
BANKBARODA 27-Feb-23 27-Feb-18 739.75 721.2 736.25 636.25
BANKBARODA 26-Feb-23 26-Feb-18 733 721.55 726.55 626.55
BANKBARODA 21-Feb-23 21-Feb-18 762.9 741 745.75 645.75
BANKBARODA 20-Feb-23 20-Feb-18 772.4 758.95 762 662
58
BANKBARODA 11-Feb-23 11-Feb-18 778.5 763 765.3 665.3
6-May-15 6-May-14 704 686.1 700.3 600.3 3-May-

15 3-May-14 715.4 691.55 699.45 599.45 2-May-15
2-May-14 715 691.95 711.9 611.9 30-Apr-15 30-Apr-
14 705.35 675.5 698.95 598.95 29-Apr-15 29-Apr-
14 705 694.9 698.7 598.7 26-Apr-15 26-Apr-14
709.8 693 697.55 597
6-May-15 6-May-
1 14 704 686.1
550 600 650 700 750 700.3 600.3 3-
May-15 3-May-14
DATA INTERPRETATION:
Bank of Baroda, comes under nationalized banks. The stock doesn’t

have weight in the index, but fluctuates like index weighted stocks.
When comparing with SBIN, this stock also recorded low of 631.05 on
10th April, From April 19th there is a slit fluctuation in close price till
06th may
59
Symbol
Ope
n
Pric High Low Close
Date e Price Price Price %change
UNIONBANK 11-May-23 91.1 91.7 90.9 91.5 0
UNIONBANK 91.7
10-May-23 5 92.4 90.75 90.9 -9.1
UNIONBANK 09-May-23 91.5 93.6 90.7 91.75 -8.25
UNIONBANK 08-May-23 91 91.65 90.5 91 -9
UNIONBANK 07-May-23 91 92 90.5 90.9 -9.1
UNIONBANK 06-May-23 91 91.35 90.2 90.95 -9.05
UNIONBANK 93.7
03-May-23 5 94 91.3 91.5 -8.5
UNIONBANK 91.2
02-May-23 5 93.7 90.75 93.19 -6.85
UNIONBANK 30-Apr-23 92.9 92.9 88.5 91.19 -8.85
UNIONBANK 92.5
29-Apr-23 5 92.9 91.55 92.05 -7.95
UNIONBANK 26-Apr-23 93.6 93.6 91.8 92.25 -7.75
UNIONBANK 25-Apr-23 93.7 94.25 92.6 93.1 -6.9
UNIONBANK 95.2
23-Apr-23 5 95.8 92.3 93.3 -6.7
UNIONBANK 22-Apr-23 95 95.8 94 95.05 -4.95
UNIONBANK 91.8
21-Apr-23 5 94 91.05 93.55 -6.45
UNIONBANK 92.2
21-Apr-23 5 93.8 90.55 91.25 -8.75
UNIONBANK 18-Apr-23 91 92.6 90.6 91.95 -8.05
UNIONBANK 19-Apr-23 92.5 90.19 91.2 -8.8

90.6
60
5
UNIONBANK 12-Apr-23 90 91.25 89.1 90.19 -9.85
UNIONBANK 11-Apr-23 92.2 93.35 89.7 90.65 -9.35
UNIONBANK 91.3
10-Apr-23 5 92.7 90.05 92 -8
UNIONBANK 93.2
09-Apr-23 5 94.45 90.5 91.2 -8.8
UNIONBANK 08-Apr-23 95.9 95.9 92.55 92.9 -7.1
UNIONBANK 05-Apr-23 94.4 96.3 93.3 94.19 -5.85
UNIONBANK 04-Apr-23 96.5 97.55 95 95.45 -4.55
UNIONBANK 03-Apr-23 99.1 99.75 96.4 96.9 -3.1
UNIONBANK 02-Apr-19 96.6 99.05 96.6 98.85 -1.19
UNIONBANK 97.6
01-Apr-23 5 97.65 95.1 96.3 -3.7
UNIONBANK 93.6
28-Mar-23 5 95.95 92.1 94.65 -5.35
UNIONBANK 93.6
26-Mar-23 5 94.35 92.5 93.6 -6.4
UNIONBANK 25-Mar-23 96.1 97.95 93.55 94.05 -5.95
UNIONBANK 92.7
22-Mar-23 5 95.8 91.5 94.9 -5.1
UNIONBANK 21-Mar-23 94.5 96.4 92.2 92.75 -7.25
UNIONBANK 97.8
20-Mar-23 5 98.4 93.35 93.85 -6.19
UNIONBANK 101.
19-Mar-23 45 101.8 96.4 97.75 -2.25
UNIONBANK 100.7
19-Mar-23 99.5 5 96.45 99.45 -0.55
UNIONBANK 102.
19-Mar-23 75 110 98.2 98.9 -1.1
61
UNIONBANK 19-Mar-23 98.3 101.3 96.2 100.4 0.4
UNIONBANK 100.
18-Mar-23 9 100.9 97.7 98.05 -1.95
UNIONBANK 102. 102.6

12-Mar-23 25 5 99.7 100.9 0.9

11-Mar-23 05 5 99.95 101.95 1.95
UNIONBANK 08-Mar-23 99.5 101.1 99 100.75 0.75
UNIONBANK 07-Mar-23 98 99.7 96.55 99.19 -0.85
UNIONBANK 96.0
06-Mar-23 5 98.2 96 97.7 -2.3
UNIONBANK 93.5
05-Mar-23 5 95.7 92.19 95.19 -4.85
UNIONBANK 04-Mar-23 93.8 93.95 90 92 -8
UNIONBANK 01-Mar-23 92 94.8 91 93.75 -6.25
UNIONBANK 28-Feb-23 97 98 90 91 -9
UNIONBANK 95.8
27-Feb-23 5 96.95 93.4 96.2 -3.8
UNIONBANK 97.7
26-Feb-23 5 97.8 94.19 94.55 -5.45
UNIONBANK 100.
25-Feb-23 35 100.8 97.2 97.55 -2.45
UNIONBANK 100.
22-Feb-23 4 101.1 99.3 99.6 -0.4

21-Feb-23 85 5 100.1 100.45 0.45
UNIONBANK 104.
20-Feb-23 3 106.6 103.25 103.7 3.7

23-Feb-23 45 5 102.35 105.2 5.2
62
22-Feb-23 8 5 101.05 102.85 2.85

21-Feb-23 55 5 98.5 101.4 1.4
UNIONBANK 19-Feb-23 101 102.5 100 100.5 0.5
UNIONBANK 103.
18-Feb-23 4 104.4 101.05 101.35 1.35
UNIONBANK 103.
12-Feb-23 35 104.3 101.5 102.95 2.95
UNIONBANK 103.
11-Feb-23 4 103.9 102.4 103.3 3.3
11-May-15 91.1 91.7 90.9 91.5 0 10-May-15 91.75

92.4 90.75 90.9 -9.1 9-May-15 91.5 93.6 90.7
91.75 -8.25 22-Apr-15 95 95.8 94 95.05 -4.95 18-
Apr-15 91.85 94 91.05 93.55 -6.45 17-Apr-15 92.25
93.8 90.55 91.25 -8.75 5-Mar-15 93.55 95.7 92.15
95.15 -4.85 4-M
100 11-May-15 91.1

50 91.7 90.9 91.5
0 10-May-15
0 91.75 92.4
-50 1 2 3 4 5 90.75 90.9 -9.1
INTERPRETATION:
UNION BANK comes under nationalized banks. The stock doesn’t have
weight in the index, doing operations regional wise. When comparing
with SBI, this stock also recorded low of 88.50 on 30 th April, according
to given data there is a lot of fluctuation in close price from the starting
to till end
63
ICICIBANK 11-May-23 1181 1192 1181 1187.95 0
ICICIBANK 10-May-23 1193 1189.9 1190.35 1185.35 1065.35
ICICIBANK 09-May-23 1180 1185.19 1193.8 1192.65 1052.65
ICICIBANK 08-May-23 1190 1195.8 1195.6 1197.95 1057.95
ICICIBANK 07-May-23 1193 1192 1192 1183.95 1063.95
ICICIBANK 06-May-23 1127.5 1199 1109.25 1192.65 1042.65
ICICIBANK 03-May-23 1187.65 1190 1121.9 1129.95 1029.95
ICICIBANK 02-May-23 1180.2 1197 1180 1191.7 1071.7
ICICIBANK 30-Apr-23 1197.5 1192 1192.1 1183.65 1063.65
ICICIBANK 29-Apr-23 1190.1 1180 1183.5 1193.2 1053.2
ICICIBANK 26-Apr-23 1192.5 1198.8 1125 1194.5 1044.5
ICICIBANK 25-Apr-23 1190.1 1198 1182 1197.35 1077.35
ICICIBANK 23-Apr-23 1190 1184.9 1124.65 1181.3 1061.3
ICICIBANK 22-Apr-23 1125.2 1199.7 1118.45 1198.45 1048.45
ICICIBANK 21-Apr-23 1082 1127.2 1082 1122.65 1022.65
ICICIBANK 21-Apr-23 1081.1 1111.55 1081.1 1097.65 997.65
ICICIBANK 18-Apr-23 1045 1085 1044.4 1078.9 978.9
ICICIBANK 19-Apr-23 1037.5 1068.9 1031.5 1047.1 947.1
ICICIBANK 12-Apr-23 1031.1 1050.9 1026.3 1045.35 945.35
ICICIBANK 11-Apr-23 1024.9 1049 1024.25 1040.2 940.2
ICICIBANK 10-Apr-23 997.55 1007.3 981.7 1004.3 904.3
ICICIBANK 09-Apr-23 996.55 1019.75 983.2 990.05 890.05
ICICIBANK 08-Apr-23 994.7 1005.1 987.3 989.1 889.1
64
ICICIBANK 05-Apr-23 1008.8 1008.8 985 998.19 898.19
ICICIBANK 04-Apr-23 1019.75 1023 1002.6 1008.8 908.8
ICICIBANK 03-Apr-23 1049.05 1062.75 1025.3 1031.4 931.4
ICICIBANK 02-Apr-19 1052.7 1054.05 1039.19 1046.9 946.9
ICICIBANK 01-Apr-23 1057 1060 1038.5 1051.55 951.55
ICICIBANK 28-Mar-23 1025.05 1056.35 1006.1 1045.2 945.2
ICICIBANK 26-Mar-23 1003.35 1027 1002.19 1020.9 920.9
ICICIBANK 25-Mar-23 1040.35 1048.65 1008.85 1012.6 912.6
ICICIBANK 22-Mar-23 1043 1049 1019.5 1028.35 928.35
ICICIBANK 21-Mar-23 1018.6 1059.25 1011.19 1035.35 935.35
ICICIBANK 20-Mar-23 1031 1034.75 996.55 1001.55 901.55
ICICIBANK 19-Mar-23 1066 1071.9 1021.1 1032.6 932.6
ICICIBANK 19-Mar-23 1051 1055.7 1035.45 1051.4 951.4
ICICIBANK 19-Mar-23 1101.1 1102.9 1056 1067.5 967.5
ICICIBANK 19-Mar-23 1087 1118 1060 1110.65 1010.65
ICICIBANK 18-Mar-23 1118.9 1119.7 1082.7 1085.7 985.7
ICICIBANK 12-Mar-23 1180 1187.8 1119 1123.1 1023.1
ICICIBANK 11-Mar-23 1195.7 1191.4 1127 1181.95 1031.95
ICICIBANK 08-Mar-23 1119.2 1192.8 1119.2 1189.3 1039.3
ICICIBANK 07-Mar-23 1102.1 1122.2 1098 1119.19 1019.19
ICICIBANK 06-Mar-23 1108.75 1110 1096 1108.35 1008.35
ICICIBANK 05-Mar-23 1070 1098.6 1066.35 1093.6 993.6
ICICIBANK 04-Mar-23 1054.5 1069.85 1046.7 1058.65 958.65
ICICIBANK 01-Mar-23 1055.5 1067.05 1047.55 1056.35 956.35
ICICIBANK 28-Feb-23 1092 1094.8 1030 1040.4 940.4
65
ICICIBANK 27-Feb-23 1069.55 1088.95 1069 1083.19 983.19
ICICIBANK 26-Feb-23 1088 1088.85 1052.55 1064 964
ICICIBANK 25-Feb-23 1099 1101.85 1081.2 1093.9 993.9
ICICIBANK 22-Feb-23 1077.05 1099 1077.05 1092.55 992.55
ICICIBANK 21-Feb-23 1112.25 1119.35 1076 1079.6 979.6
ICICIBANK 20-Feb-23 1186 1187.85 1119.7 1121.55 1021.55
ICICIBANK 23-Feb-23 1123.25 1184 1119.6 1181.4 1031.4
ICICIBANK 22-Feb-23 1124.4 1180 1119.5 1122 1022
ICICIBANK 21-Feb-23 1126 1181 1111.1 1121.85 1021.85
ICICIBANK 19-Feb-23 1198 1199.8 1120.6 1126.2 1026.2
ICICIBANK 18-Feb-23 1187 1196.4 1181.4 1192.6 1042.6
ICICIBANK 12-Feb-23 1121.5 1184 1119.1 1128.85 1028.85
ICICIBANK 11-Feb-23 1182.3 1184.35 1119.05 1122.7 1022.7
6-May-15 1127.5 1159 1109.25 1152.65 1042.65 3-

May-15 1167.65 1170 1121.9 1129.95 1029.95 2-
May-15 1160.2 1187 1160 1171.7 1071.7 30-Apr-15
1157.5 1172 1152.1 1163.65 1063.65 29-Apr-15
1150.1 1160 1143.5 1153.2 1053.2 26-Apr-15
1172.5 1188.8 1125 1154.5 1
1100
1000 6-May-15
1127.5 1159
900 1109.25
800 1152.65
1 2 3 4 5 1042.65 3-May-
15 1167.65
66
INTERPRETATION:
ICICI BANK, one of the highest weighted stocks from the index and
one of the market leaders, Comes under Private sector banks. The stock
quoted 1122.7 on 11th feb 2022and recorded a price of 1192.6 on feb
18th there is a 22% increase in close price.When comparing with SBIN;
this stock give the growth for the given period.

HDFCBANK 11-May-
23 702.1 705 701.19 702.8 0
HDFCBANK 10-May-
23 688.7 704.9 688.65 703.35 603.35
HDFCBANK 09-May-
23 699.05 699.5 688.2 690.05 590.05
HDFCBANK 08-May-
23 689 699.5 686.5 697.19 597.19
HDFCBANK 07-May-
23 676.3 689.9 672.5 688.05 588.05
HDFCBANK 06-May-
23 679 679.3 669.95 675.5 575.5
HDFCBANK 03-May-
23 692.6 694 678.65 680.95 580.95
HDFCBANK 02-May-
23 684.4 694 682.3 692.5 592.5
HDFCBANK 30-Apr-
23 694 695.95 676.8 682.3 582.3
HDFCBANK 29-Apr-
23 688.25 696.85 686.5 695.19 595.19
HDFCBANK 687.65 692.25 683 689.1 589.1

26-Apr-
67
23
HDFCBANK 25-Apr-
23 692.35 695 680.05 689.55 589.55
HDFCBANK 23-Apr-
23 698.8 700 678.8 689 589
HDFCBANK 22-Apr-
23 674.7 702 674.7 698.3 598.3
HDFCBANK 21-Apr-
23 654 675.4 654 673.6 573.6
HDFCBANK 21-Apr-
23 665 671.85 656.8 660.1 560.1
HDFCBANK 18-Apr-
23 643 665.85 642.35 663.35 563.35
HDFCBANK 19-Apr-
23 642.1 643.45 635 641.55 541.55
HDFCBANK 12-Apr-
23 636.1 645.85 636.1 643.7 543.7
HDFCBANK 11-Apr-
23 632.5 642 631.9 639.25 539.25
HDFCBANK 10-Apr-
23 626.8 633.65 619.95 632 532
HDFCBANK 09-Apr-
23 628.1 628.1 619.4 620.6 520.6
HDFCBANK 08-Apr-
23 619.95 628.95 619.75 624.45 524.45
HDFCBANK 05-Apr-
23 619.95 626.4 618.4 620.95 520.95
HDFCBANK 04-Apr-
23 619.8 623.4 618.45 618.19 518.19
HDFCBANK 03-Apr-
23 628 631.65 619.5 623.65 523.65
68
HDFCBANK 02-Apr-
19 625 634.3 619.9 629.9 529.9
HDFCBANK 01-Apr-
23 624.65 629 621 623.85 523.85
HDFCBANK 28-Mar-
23 618.5 631.19 606.95 625.35 525.35
HDFCBANK 26-Mar-
23 606 619.5 602.55 619.5 519.5
HDFCBANK 25-Mar-
23 611 618.35 607.55 609.4 509.4
HDFCBANK 22-Mar-
23 609 619.6 602.6 605.25 505.25
HDFCBANK 21-Mar-
23 622.65 628.8 603.75 607 507
HDFCBANK 20-Mar-
23 632 633.45 621 625.5 525.5
HDFCBANK 19-Mar-
23 643 643.8 624 631.55 531.55
HDFCBANK 19-Mar-
23 633 654 630 643.3 543.3
HDFCBANK 19-Mar-
23 645 649.9 633.8 639.4 539.4
HDFCBANK 19-Mar-
23 634.9 653.5 619.35 649.25 549.25
HDFCBANK 18-Mar-
23 641.05 645.9 632.2 634.9 534.9
HDFCBANK 12-Mar-
23 653 655.7 640.1 644 544
HDFCBANK 11-Mar-
23 657.3 659.7 650.25 655.25 555.25
HDFCBANK 08-Mar-
23 644.2 660 643.4 657.3 557.3
69
HDFCBANK 07-Mar-
23 628.35 642.95 627.19 641.8 541.8
HDFCBANK 06-Mar-
23 634.95 637.19 629 630.5 530.5
HDFCBANK 05-Mar-
23 630.9 634.7 623.19 632.95 532.95
HDFCBANK 04-Mar-
23 620.35 630.3 619 627.65 527.65
HDFCBANK 01-Mar-
23 625 629.6 618.3 622.5 522.5
HDFCBANK 28-Feb-
23 646.95 654.95 619.35 625.35 525.35
HDFCBANK 27-Feb-
23 652.3 654 640.9 642.75 542.75
HDFCBANK 26-Feb-
23 654.8 663 645.4 651.25 551.25
HDFCBANK 25-Feb-
23 663.25 665.2 654.1 656.45 556.45
HDFCBANK 22-Feb-
23 662.2 666.4 657.55 659.3 559.3
HDFCBANK 21-Feb-
23 675 677.45 664.05 666.25 566.25
HDFCBANK 20-Feb-
23 677.5 680.8 674.9 676.95 576.95
HDFCBANK 23-Feb-
23 674.5 677.4 671.55 674.8 574.8
HDFCBANK 22-Feb-
23 678 680.9 674 676 576
HDFCBANK 21-Feb-
23 671.7 680.8 668.2 676.75 576.75
HDFCBANK 19-Feb-
23 664 678.4 662 674.8 574.8
70
HDFCBANK 18-Feb-
23 663.3 667.4 659.5 664.2 564.2
HDFCBANK 12-Feb-
23 655.65 667 655.65 665.2 565.2
HDFCBANK 11-Feb-
23 650 659.95 650 656.95 556.95
6-May-15 679 679.3 669.95 675.5 575.5 3-May-15

692.6 694 678.65 680.95 580.95 2-May-15 684.4
694 682.3 692.5 592.5 30-Apr-15 694 695.95 676.8
682.3 582.3 29-Apr-15 688.25 696.85 686.5 695.15
595.15 26-Apr-15 687.65 692.25 683 689.1 589.1 7-
Mar-15 628.35 6
650
6-May-15 679
600 679.3 669.95
550 675.5 575.5 3-
500 May-15 692.6
450 694 678.65
680.95 580.95
1 2 3 4 5
INTERPRETATION:
HDFCBANK comes under private sector banks. Has weight than SBIN
& ICICI in the index, when comparing with SBIN, this stock recorded
high of 900.85 on 09th may. There is a high growth in the index
comparing to starting.
71
AXISBANK 11-May-23 1970 1978.35 1961.3 1972.45 0
AXISBANK 10-May-23 1950 1974.7 1946 1969.9 1869.9
AXISBANK 09-May-23 1988 1988 1947.6 1954.19 1854.19
AXISBANK 08-May-23 1906 1919.05 1970.75 1989.7 1889.7
AXISBANK 07-May-23 1962 1907 1959.1 1903.95 1903.95
AXISBANK 06-May-23 1967 1971.85 1945 1959.75 1859.75
AXISBANK 03-May-23 1918 1918 1967 1974.8 1874.8
AXISBANK 02-May-23 1985.1 1928.75 1983.95 1918 1918
AXISBANK 30-Apr-23 1987 1901 1958 1992.7 1892.7
AXISBANK 29-Apr-23 1986 1986 1960.25 1975.4 1875.4
AXISBANK 26-Apr-23 1990 1999.9 1967.1 1986.35 1886.35
AXISBANK 25-Apr-23 1971 1920 1953 1903.4 1903.4
AXISBANK 23-Apr-23 1945 1955.1 1918.19 1944.8 1844.8
AXISBANK 22-Apr-23 1935.5 1984 1934.2 1941.19 1841.19
AXISBANK 21-Apr-23 1869.7 1936.9 1855 1929.4 1829.4
AXISBANK 21-Apr-23 1871.8 1950 1866.19 1877.2 1277.2
AXISBANK 18-Apr-23 1286.5 1869 1282.75 1863.3 1263.3
AXISBANK 19-Apr-23 1256 1811.35 1254 1294.2 1194.2
AXISBANK 12-Apr-23 1240 1277 1234.5 1264.3 1184.3
AXISBANK 11-Apr-23 1246.55 1254.9 1231 1252.19 1192.19
AXISBANK 10-Apr-23 1219.8 1242.85 1200 1239.3 1189.3
AXISBANK 09-Apr-23 1210.35 1239.8 1198.8 1203.2 1103.2
AXISBANK 08-Apr-23 1226.5 1238 1198 1203.2 1103.2
72
AXISBANK 05-Apr-23 1240.45 1249.35 1219.2 1229.55 1129.55
AXISBANK 04-Apr-23 1266 1270 1240.1 1243.85 1193.85
AXISBANK 03-Apr-23 1801.9 1818 1271.2 1278.19 1198.19
AXISBANK 02-Apr-19 1819.9 1820 1293.1 1801.35 1201.35
AXISBANK 01-Apr-23 1801.25 1819.5 1296 1819.9 1219.9
AXISBANK 28-Mar-23 1298 1811.2 1277.05 1800.7 1200.7
AXISBANK 26-Mar-23 1804.9 1805 1287.1 1294.2 1194.2
AXISBANK 25-Mar-23 1819 1834.45 1800.05 1809.35 1209.35
AXISBANK 22-Mar-23 1818 1827.4 1292.5 1800.05 1200.05
AXISBANK 21-Mar-23 1801.25 1839 1282 1811.7 1211.7
AXISBANK 20-Mar-23 1812 1821 1290.95 1299.25 1199.25
AXISBANK 19-Mar-23 1826 1836.65 1281.4 1821.5 1221.5
AXISBANK 19-Mar-23 1818 1836.4 1299 1825.1 1225.1
AXISBANK 19-Mar-23 1846.2 1864 1819 1839.85 1239.85
AXISBANK 19-Mar-23 1843 1865 1299 1852.8 1252.8
AXISBANK 18-Mar-23 1875 1878 1836.05 1846.7 1246.7
AXISBANK 12-Mar-23 1899 1901.9 1878 1884.75 1284.75
AXISBANK 11-Mar-23 1911 1927.7 1891.75 1901.2 1801.2
AXISBANK 08-Mar-23 1910 1919 1902.4 1907 1807
AXISBANK 07-Mar-23 1890.05 1906.7 1883.5 1903.3 1803.3
AXISBANK 06-Mar-23 1910.5 1919.95 1890 1902.19 1802.19
AXISBANK 05-Mar-23 1875 1908.75 1874.7 1903.2 1803.2
AXISBANK 04-Mar-23 1858.45 1883.35 1847.05 1868.9 1268.9
AXISBANK 01-Mar-23 1845 1878 1819.85 1863.7 1263.7
AXISBANK 28-Feb-23 1910.75 1919 1833.95 1844.19 1244.19
73
AXISBANK 27-Feb-23 1868.6 1910 1868.6 1900 1800
AXISBANK 26-Feb-23 1901 1901 1860.5 1867.75 1267.75
AXISBANK 25-Feb-23 1907.35 1918.4 1892.7 1901.19 1801.19
AXISBANK 22-Feb-23 1905.2 1922 1904.1 1911.9 1811.9
AXISBANK 21-Feb-23 1922.1 1934.6 1899 1904.8 1804.8
AXISBANK 20-Feb-23 1946.9 1954.7 1935.55 1939.4 1839.4
AXISBANK 23-Feb-23 1935.05 1945.75 1925 1939.4 1839.4
AXISBANK 22-Feb-23 1949 1949 1925 1932.05 1832.05
AXISBANK 21-Feb-23 1932 1954.85 1920.1 1949.3 1849.3
AXISBANK 19-Feb-23 1981.25 1984.25 1925 1932.3 1832.3
AXISBANK 18-Feb-23 1985.1 1992.65 1972.95 1977.55 1877.55
AXISBANK 12-Feb-23 1996 1904.4 1972 1982.95 1882.95
AXISBANK 11-Feb-23 1953.25 1999 1953.25 1994.1 1894.1
6-May-15 1567 1571.85 1545 1559.75 1459.75 3-

May-15 1514 1514 1567 1574.8 1474.8 2-May-15
1585.1 1528.75 1583.95 1516 1516 30-Apr-15
1587 1501 1558 1592.7 1492.7 29-Apr-15 1586
1586 1560.25 1575.4 1475.4 26-Apr-15 1590
1599.9 1567.1 1586.35 1486.35 7-Mar-
1550
6-May-15 1567
1500 1571.85 1545
1450 1559.75
1400 1459.75 3-May-
15 1514 1514
1350
1567 1574.8
1 2 3 4 5
74
INTERPRETATION:
AXIS BANK comes under private sector banks. Has less weight than
SBIN, ICICI & HDFC in the index, when comparing with other banking
stocks from the sample this stock also recorded low of 1,998.00on 08th
April. Now -a-days AXIS bank is growing fastly in private sector banks
75
CHAPTER - V
FINDINGS
SUGGESTIONS
CONCLUSION
76
FINDINGS
a) Growth of Indian banking industry depends on few economical variables like

interest rates and inflation, increased inflation is negative impact on banking
stocks.
b) When a stock is strong in fundamental, even though we can see negative

fluctuations in the stock, it called as speculation.
c) SBIN, HDFC BANK,& ICICI BANKS are sector leaders as well as market
leaders in NIFTY and highest weight age is goes to ICICI bank, here
speculation for ICICI bank is more than other banks, even though UNION
BANK has given close to 30% growth for the given period.
d) More Promotional strategies and facilities introduced even in nationalized

banks also to face competitiveness in the market.
e) All banks faced correction from December 1st week to 3rd week of December,
major growth happen in AXIS BANK and SBI, both the banks are
fundamentally strong one can invest for long term, but avoid fresh investments
at this levels.
f) Net profit increased in public sector banks is 32.73%, where as 25.6% in

private sector and we can see operating expenditure more in private sector
banks.
g) Deposits and Investments is more in private sector banks than public sector
banks, due to promotion activities conducted by them.
h) There is no change in capital structure of SBI and we can see increase in other
five banks.
i) In intraday highest negative fluctuations we can see in UNION bank and

highest positive fluctuations in UNION bank itself.
j) India records first place for highest banking interest rates in the world.
77
SUGGESTIONS
• The banking system has made considerable investment in the related infrastructure to
upgrade the payment system. However, there are several challenges that need to be
effectively addressed if the full benefits of the achievements so far are to be reaped.
• The primary reason for slow pace of adoption of the electronic modes of funds
transfer, particularly in the retail segment, is the lack of education – particularly on the
part of the bank staff at the branch level that have interface with the public.
• A survey conducted by one of the Regional Offices of the RBI in the recent past
revealed that in the limited sample covered; there were several bank branches in the
State which were not even aware of the National Electronic Fund Transfer system.
The banks, therefore, need to make concerted efforts to increase the degree of
awareness at the level of the branch staff so that the electronic fund transfer services
percolate down to the level of the public in a significant manner.
• The other side of the coin is the lack of customer education and awareness about the
features and benefits of the EFT, which precludes wider adoption of this product and
leads to carrying on with the traditional modes of payment.
CONCLUSION
Entry of new banks resulted in a paradigm shift in the ways of banking in India. The
growing competition, growing expectations led to increased awareness amongst banks
on the role and importance of technology in banking. The arrival of foreign and
private banks with their superior state-of-the-art technology-based services pushed
Indian Banks also to follow suit by going in for the latest technologies so as to meet
the threat of competition and retain their customer base. Deregulation and
technological change are the two single biggest changes in the banking environment.
In India, investments in technologies by financial services organizations are
increasing, and new initiatives emerging, albeit at a basic level. However, in the long
run, it is evident that technology investments in transaction and process automation
will cease to be a differentiator. Technology has enabled banks to overcome the
barriers of time and extending their services to customers. The new technology
78
channels like ATMs, EFT (Electronic funds transfer), debit and credit cards mobile
banking, tele banking, etc. are accessible to customers on a 24 x 7 basis.With
automation, banks can offer single window service, extend business hours and provide
anywhere anytime banking. It gives bank personnel more time to devote to business
planning and development also facilitates each player in market to have its unique
products and services for competitive advantage. New technology driven channels
help the banks to reduce cost as the cost of transaction in new channel is a fraction of
what it was on branch counter.
In view of this, technology has changed major functions performed

by banks:
a) Access to liquidity.
b) Transformation of assets.
c) Monitoring of risks.
79
BIBLIOGRAPHY
80
BIBLIOGRAPHY
BOOKS:
• New Trends in Banking – Ravi Kumar VV

• Innovations in Banking & Insurance – Romeo S. Mascarenhas
• Financial Service Management – Gordon & Natrajan
WEB SITE
• www.google.com
• www.icicibank.com
• www.hdfcbank.com
• www.sbi.com
• www.axisbank.com
• www.bankofbaroda.com
• www.Moneyconrol.com
• www.networth.com
81

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CHAPTER - I

Currently, India has 88 scheduled commercial banks (SCBs) - 27 public sector

"Banking business" means the business of receiving money on current or deposit

Massive FII inflows and slumping US dollar in 2007 led to significant

SCOPE OF THE STUDY

The following analysis is completely based on Secondary Data

Tools and Techniques

Data Processing and Analysis

HDFC is India's premier housing finance company and enjoys an

STATE BANK OF INDIA

Shri Arun Kumar Purwar - Chairman

. Anil K. Khandelwal - Dr Chairman & Managing Director

• Customer Service and Product Innovation tuned to diverse needs of individual

• Customer Satisfaction through

Dr. P. J. Nayak - Chairman & Managing Director

As on 30/9/2010 the Shareholding Pattern of AXIS Bank is divided in mainly

2) Non Promoters’ Holdings:-

Various Services offered by AXIS Bank are as follows:

Products & Services

Products and Schemes

PRODUCTS & SERVICES

• Corporate Net Banking

SHARE HOLDING PATTERN OF UNION BANK

NATIONAL STOCK EXCHANGE

• S&P CNX Nifty

BOMBAY STOCK EXCHANGE:

The Bombay Stock Exchange Limited (formerly, The Stock Exchange,

SENSEX is calculated using a "Market Capitalization-Weighted" ethodology.

The calculation of SENSEX involves dividing the total market capitalization of 30

BSE - OTHER INDICES:

e) Phone Nos.: 040-55560708, 55562256, and 30994985

f) Mumbai (MF Division)

g) 49, Au Chambers, 4th Floor, Tamarind Lane, Fort

h) Mumbai - 400 001

j) Phone Nos.: 022- 22650253

k) Mumbai (Registered Office)

m) Mumbai - 400 001

o) Phone No. 022-22850428

p) The Networth connectivity with 107 branches and growing

a. Products and services portfolio

b. Retail and institutional broking

c. Research for institutional and retail clients

d. Distribution of financial products

Market & research

a) Daily Morning Notes

d) Theme Based Reports

As per the quality policy, Networth will:

OUR GROUP COMPANIES

Ravisha Financial Services Pvt. Ltd. [RFSL]

Participation:- Focusing on attractive, growing markets where we can leverage our

Competitive positioning:- Combining global capability, deep local knowledge and

Communities:- Trusted and caring, dedicated to making a difference

Investors:- A distinctive investment delivering outstanding performance and superior

Regulators: - Exemplary governance and ethics wherever we are.

FUNDAMENTAL ANALASYS OF SELECTED PRIVATE BANKS

BANKS (in 2022 2023 %change

SBI 1223736.2 1223736.2 0

BOB 278318.71 358397.19 28.7731

ICICI 363399.71 406233.67 11.787

HDFC BANK 222458.56 277352.61 24.6761

AXIS BANK 190647.87 242718.37 34.3572

UNION BANK 90342.43 108900.73 20.5422

• AXIS BANK from Public sector banks total assets increased by