FINANCIAL PERFORMANCE AND HOUSING LOAN IN INDIAN BANKING SECTOR WITH REFERENCE TO PUNJAB STATE- A RELATIONSHIP STUDY

Abstract

House is the basic necessity of every person. To earn a livelihood for an individual also includes a wee furnished house of his own. Banks advance credit to fulfil this wish of the individuals. The present study is focused on the Housing Loan providers. The study includes the assessment of relationship between Housing Loan and Financial Performance of Banks. The design of the study includes Four renowned banks from Punjab i.e., SBI, PNB, HDFC and ICICI. The financial performance is evaluated using Asset Turnover Ratio, Return on Equity and Market to Book Value ratio of the Banks for the last 10 years from 2013 to 2023. The results provided some positive associations and some negative associations between financial performance and Housing Loan. The study concludes with the implications and the concluding remarks for the said topic.