A STUDY ON YES BANK FINANCIAL CRISIS

A PROJECT SUBMITTED TO

UNIVERSITY OF MUMBAI FOR PARTIAL COMPLETION

OF

DEGREE OF

MASTERS OF COMMERCE

UNDER THE FACULTY OF COMMERCE

SUBMITTED BY

MR. GAUTAM JANU KALANGADA

UNDER THE GUIDANCE OF

PROF MRS JASBIR KOUR

ISO 9001:2015 CERTIFIED NAAC ACCREDITATED GRADE B (2019-

2024)
 2022-23

CERTIFICATE
 Declaration
I the undersigned Mr.GAUTAM JANU KALANGADA here by, declare that the
work embodied in this project work titled “A STUDY ON YES BANK FINANCIAL
CRISIS’’, forms my own contribution to the research work carried out under the
guidance of Prof. Mrs.JASBIR KOUR is a result of my own research work and has not
been previously submitted to any other University for any other Degree/ Diploma to this
or any other University.

Wherever reference has been made to previous works of others, it has been
clearly indicated as such and included in the bibliography.

I, here by further declare that all information of this document has been obtained and
presented in accordance with academic rules and ethical conduct.

MR. GAUTAM KALANGADA

Certified by

Prof.Mrs Jasbir Kour

 ACKNOWLEDGMENT

To list who all have helped me is difficult because they are so numerous and the depth is so
enormous.

I would like to acknowledge the following as being idealistic channels and fresh dimensions
in the completion of this project.

I take this opportunity to thank the University of Mumbai for giving me chance to do this
project.

I would like to thank my Principal, Dr for providing the necessary facilities required for
completion of this project.

I take this opportunity to thank our Coordinator Prof. Mrs.Jasbir Kour for her moral
support and guidance.

I would also like to express my sincere gratitude towards my project guide Prof.Mrs.Jasbir
kour, whose guidance and care made the project successful.

I would like to thank my College Library, for having provided various reference books and
magazines related to my project.

Lastly, I would like to thank each and every person who directly or indirectly helped me in
the completion of the project especially my Parents, Sister and Peers who supported me
throughout my project.
 INDEX

Sr No. Particulars Page

No
1 Chapter I: Introduction to Banking
1.1 History,Structure,Developments of Indian Banking 1

1.2 Non Performing Assets,Special Mention Accounts

1.3 Impact of Npa’s

2 CHAPTER II:LITERATURE REVIEW

3
CHAPTER III:RESEARCH METODOLOGY

4 CHAPTER IV:DATA
ANALYSIS,INTERPRETATION AND
PRESENTATION
 What is Private Sector Bank? |
Definition, Working, Pros and Cons
The bank is the most trusted financial institution among the public.
This institution fulfils all our financial needs. Anyone can open an
account in a bank and do all of their financial activity from there.
This institution helps everyone save money, do financial
transactions, and get a loan for various financial requirements.
However, all banks are not the same. According to their
stakeholders, a bank can be categorized into two categories. One
of them is private sector banks. These banks operate in another
way. Let’s learn how private sector banks work and what are the
advantages and disadvantages associated with it.

How does it work?

Private sector banks are those banks, where private individuals or

private companies own a major part of the bank’s equity. Even
though these banks follow the nation’s central bank’s guidelines,
but they can formulate their independent financial strategy for the
customers. A large part of these banks are traded on the stock
market and anyone can buy a significant part of these bank’s
shares from the stock market.

Most private sector banks are very agile in their financial strategy.

These privates can make a quick financial decision according to
the market condition. For this reason, interest rates fluctuate
quickly on both deposits and loans. They offer very reliable
services to the customers. They also offer various customized
services to the customer to fulfil their individual financial needs.
There is no job security in private banks. Most employees work
very hard to satisfy the customer’s financial requirements. In these
banks, the employees get promotions on their merit and
performance.

However, private sector banks charge a little extra for their

financial services. Compared to other banks, the interest rate on
deposits is low in most private sector banks. Even though getting
a loan in the private banks is very easy, but they charge more
interest on these loans. Axis Bank is one of the best examples of
private sector banks in India. This bank is very competitive and
offers the best services to its customers

Advantages of Private Sector Bank

Many people believe private sector banks are the best. In their
opinion, more banks should take the approach of private sector
banks and make the banking system more robust for the public.
Here are some advantages that are associated with private sector
banks.

1. Private Sector Banks offer quick service to the customers.

2. These banks also offer customized services according to the
customer’s financial needs.
3. Private Sector Banks has a streamlined management
system.
4. Quick financial decision making is possible in private sector
banks.
Disadvantages of Private Sector Bank

However, everything is not ok with private sector banks. These

banks also lag in different parts. For this reason, many people do
not use private sector banks. Here are some common
disadvantages of private sector banks.

1. Private Sector Banks charge extra on every financial service.

2. These banks only operate in cities and out of reach for the
rural population.
3. Private Sector Banks offer no job security to the employees.