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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: March 2026
Volume 11 | Issue 3
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Impact Factor : 8.14
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| Paper Title: | Liquidity Risk and Efficiency: Evidence from PSU Bank Nifty |
| Authors Name: | Abigail Fernandes , Prabhavathi C |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_201101
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| Published Paper Id: | IJRTI2503027 |
| Published In: | Volume 10 Issue 3, March-2025 |
| DOI: | |
| Abstract: | Abstract This study investigates the interplay between liquidity risk and efficiency in shaping the performance of India’s 12 Public Sector Undertaking (PSU) banks over 2014–2023, leveraging the PSU Bank Nifty as a market-based lens. PSU banks, controlling over 60% of India’s banking assets by March 2025, face dual challenges of profitability and socio-economic mandates, making liquidity risk and operational efficiency critical areas of focus amid mergers, recapitalization, and digital transformation. Using descriptive, box plot, and regression analyses via EViews on 120 observations, the study addresses three objectives: (1) assessing liquidity risk’s influence on performance, (2) analysing its impact on operational efficiency, and (3) predicting performance vulnerabilities. Findings reveal that higher liquidity buffers (X1, X2) enhance Minimum Liquidity Assets (MLA) and profitability (e.g., SBI’s NIM rising from 2.5% to 3.1%), while aggressive lending (X6, X7) and volatile funding (X3) increased risk, straining efficiency (e.g., IOB’s NPA drop from 22.3% to 5.6%). The R-squared (0.541865) and predictive outliers (e.g., low MLA in banks 2, 7, 10) validate the model, offering actionable insights for proactive risk management. Bridging literature gaps, this research underscores balanced liquidity strategies for resilience, justifying its objectives with empirical evidence. |
| Keywords: | Liquidity Risk, Bank Efficiency, PSU Banks, Bank Nifty, Financial Performance, Profitability, Public Sector Banks |
| Cite Article: | "Liquidity Risk and Efficiency: Evidence from PSU Bank Nifty ", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 3, page no.a226-a237, March-2025, Available :http://www.ijrti.org/papers/IJRTI2503027.pdf |
| Downloads: | 000599 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2503027
Registration ID:201101
Published In: Volume 10 Issue 3, March-2025
DOI (Digital Object Identifier):
Page No: a226-a237 Country: BENGALURU, KARNATAKA, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2503027 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2503027 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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