International Journal For Multidisciplinary Research

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A Study On Financial Performance Analysis With Reference To Real Touch Finance Limited And Selected NBFCs In India Using Camel Model

Author(s) G Thirumurugan, M Jayasree
Country India
Abstract The emergence of Non-Banking Financial Companies (NBFCs) in India is a response to the substantial unbanked population, making them vital players in the financial market. Institutions like Real Touch Finance Limited (RTFL), Dharani Finance Ltd, and Shriram Finance Ltd have experienced rapid growth due to the rising demand for funds in areas like education, housing, marriage, vehicles, and leisure. A comprehensive CAMEL analysis from 2018 to 2022 assessed their financial performance. RTFL displayed positive trends in management efficiency, earnings, and asset quality. Dharani Finance Ltd faced volatility in returns and profitability challenges, while Shriram Finance Ltd had positive capital adequacy but struggled with liquidity and ROA. RTFL outshone with improved margins and non-interest income. In conclusion, RTFL appears relatively stronger, highlighting the importance of ROCE and ROA for shareholder wealth. This study provides valuable insights into improvement areas, growth prospects, and risks, emphasizing capital utilization, cost management, profitability, and efficient liquidity management for long-term success.
Keywords NBFCs, CAMEL analysis, Asset Under Management (AUM), Shareholders wealth, Liquidity management, Profitability, Capital adequacy, Growth opportunities.
Field Business Administration
Published In Volume 5, Issue 5, September-October 2023
Published On 2023-10-24
Cite This A Study On Financial Performance Analysis With Reference To Real Touch Finance Limited And Selected NBFCs In India Using Camel Model - G Thirumurugan, M Jayasree - IJFMR Volume 5, Issue 5, September-October 2023. DOI 10.36948/ijfmr.2023.v05i05.7880
DOI https://doi.org/10.36948/ijfmr.2023.v05i05.7880
Short DOI https://doi.org/gszvj7
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