 |
International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.14 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI)
|
Issue: December 2025
Volume 10 | Issue 12
Review Result and Publication of Paper within : 2-3 days
Click Here For more DetailsFor Authors
Forms / Download
Published Issue Details
Editorial Board
Other IMP Links
Facts & Figure
Impact Factor : 8.14
Issue per Year : 12
Volume Published : 10
Issue Published : 115
Article Submitted : 19463
Article Published : 8041
Total Authors : 21252
Total Reviewer : 769
Total Countries : 145
Indexing Partner
Licence
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
|
Published Paper Details
|
|
| Paper Title: | Financial Performance of India Post Payments Bank: An Analytical Study |
| Authors Name: | Dr. Manoj Minj |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_206092
|
| Published Paper Id: | IJRTI2504327 |
| Published In: | Volume 10 Issue 4, April-2025 |
| DOI: | |
| Abstract: | India Post Payments Bank (IPPB), established in 2018 under the Department of Posts, has been one of India’s most ambitious experiments in combining state-driven financial inclusion with modern digital banking models. This paper examines IPPB’s financial performance from its inception to 2024, with emphasis on revenue generation, operational expenditure, profitability, customer adoption, and role in advancing financial inclusion. Using secondary data from RBI reports, IPPB annual statements, and government press releases, the study applies trend analysis, CAGR computation, and ratio analysis. The findings reveal that although IPPB reported persistent financial losses in its initial years due to high operational costs and social obligations, it achieved breakeven and modest profitability in FY 2023–24. The bank’s strength lies in its rural reach, Aadhaar-enabled digital platforms, and integration with government transfer schemes. However, challenges remain regarding regulatory constraints, sustainability, and competition from private fintech players. The study concludes that IPPB is a critical instrument for inclusive growth but requires policy flexibility, service diversification, and cost efficiency to remain financially sustainable. |
| Keywords: | India Post Payments Bank, financial inclusion, payments banks, profitability, digital banking, India |
| Cite Article: | "Financial Performance of India Post Payments Bank: An Analytical Study", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 4, page no.d253-d257, April-2025, Available :http://www.ijrti.org/papers/IJRTI2504327.pdf |
| Downloads: | 000156 |
| 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 |
| Publication Details: |
Published Paper ID: IJRTI2504327
Registration ID:206092
Published In: Volume 10 Issue 4, April-2025
DOI (Digital Object Identifier):
Page No: d253-d257 Country: Bilaspur, Chhattisgarh, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2504327 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2504327 |
| Share Article: | |
|
Click Here to Download This Article |
|
| Article Preview | |
|
|
|
Major Indexing from www.ijrti.org
| Google Scholar | ResearcherID Thomson Reuters | Mendeley : reference manager | Academia.edu |
| arXiv.org : cornell university library | Research Gate | CiteSeerX | DOAJ : Directory of Open Access Journals |
| DRJI | Index Copernicus International | Scribd | DocStoc |
ISSN Details
 |
 |
|
ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
DOI (A digital object identifier)
| Providing A digital object identifier by DOI.ONE How to Get DOI? |
Conference
Open Access License Policy
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
Important Details
Join RMS/Earn 300
WhatsApp
Click Here
Click Here
Indexing Partner |
|||
| Copyright © 2025 - All Rights Reserved - IJRTI | |||