Proceedings of the 2nd International Conference on Emerging Technologies and Sustainable Business Practices-2024 (ICETSBP 2024)

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Financial Inclusion and Bank Performance in India

Authors
Jayant Gautam1, *, Reetika Bhatt2
1School of Management, Graphic Era Hill University, Bhimtal, India
2Department of Business Administration, College of Agribusiness Management, GB Pant University of Agriculture & Technology, Pantnagar, India
*Corresponding author. Email: jayant212002@gmail.com
Corresponding Author
Jayant Gautam
Available Online 17 October 2024.
DOI
10.2991/978-94-6463-544-7_17How to use a DOI?
Keywords
Financial Inclusion; PMJDY; RoE; RoA; Financial Intermediation
Abstract

This research aims to identify the influence of FI on banks’ traditional profitability measures and stock returns after the introduction of the PMJDY initiative. The study uses data from 25 banks from 2014 to 2021. The research uses factor analysis and regression models. The findings uncovered a connection between FI and bank profitability. There is indeed a positive correlation between FI, RoE, and RoA; nevertheless, this correlation does not meet the criteria for statistical significance. Even though this is the case, FI and NiM are negatively correlated with one another, and this link is statistically significant. One could say that the relationship between financial institutions and the stock market was unfavorable and inconsequential. This study examines the influence of PMJDY FI variables on the performance of the Indian banking industry following the implementation of the PMJDY scheme. This study addresses a gap in the existing finance literature by creating a FI index. The index evaluates various parameters, such as the number of branches, ATMs, beneficiary accounts, deposits, and debit card issuance.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2nd International Conference on Emerging Technologies and Sustainable Business Practices-2024 (ICETSBP 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
17 October 2024
ISBN
978-94-6463-544-7
ISSN
2352-5428
DOI
10.2991/978-94-6463-544-7_17How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Jayant Gautam
AU  - Reetika Bhatt
PY  - 2024
DA  - 2024/10/17
TI  - Financial Inclusion and Bank Performance in India
BT  - Proceedings of the 2nd International Conference on Emerging Technologies and Sustainable Business Practices-2024 (ICETSBP 2024)
PB  - Atlantis Press
SP  - 251
EP  - 269
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-544-7_17
DO  - 10.2991/978-94-6463-544-7_17
ID  - Gautam2024
ER  -