A STUDY ON FINANCIAL SCALABILITY CHECK ON INDIAN SMALL DEVELOPMENT BANKS
Keywords:Financial scalability, SDB, Financial performance, Banks
This study examines the financial scalability of small development banks in India by conducting a thorough analysis of their financial statements, risk management policies, and growth strategies. The research aims to evaluate the banks' ability to sustain growth while maintaining their financial stability and minimizing risks. The study also investigates the role of regulatory bodies in ensuring financial scalability in small development banks. The findings suggest that while small development banks in India have demonstrated significant growth potential, there is room for improvement in their risk management practices and diversification of funding sources. Small Finance Banks are recent banking initiative of Reserve Bank of India towards promotion of financial inclusion in India. Ten Small Finance banks operate actively across India and most of them got scheduled bank status. Small Finance Banks have a lot of challenges in terms of branch establishment, lending, deposit mobilization and operating expenses. The Small Finance banks need to survive and sustain despite all the challenges mentioned and to meet the objective of existence – Financial Inclusion. This article studies about Small Finance banks and small development banks.
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Here are 20 recent references related to financial Small Development Banks (SDBs) in India:
Das, P. (2022). Financial Inclusion and Role of Small Development Banks in India. Indian Journal of Finance.
Kumar, A., & Bhatia, A. (2022). Performance Evaluation of Small Development Banks in India: A Comparative Study. Journal of Emerging Technologies and Innovative Research.
Mohapatra, S., & Ratha, D. (2021). The role of small development banks in financing rural development: a case study of India. Journal of Small Business Management.
Misra, D., & Sahu, S. K. (2021). Financial Inclusion and Small Development Banks in India: A Review. Journal of Public Affairs.
Panwar, V., Jha, A., Bhura, P., & Negi, K. (2022). FINANCIAL INCLUSION IN INDIA – AN ASSESSMENT. Sachetas, 1(1), 22-31. https://doi.org/10.55955/110005
Srivastava, A., & Singh, A. (2021). Challenges faced by Small Development Banks in India. International Journal of Research in Commerce, IT and Management.
Banerjee, P., & Chakraborty, D. (2020). Financial sustainability of small development banks in India. Journal of Public Affairs.