Authors : Dr. C. Kandasamy; R. Abinath

Volume/Issue : Volume 11 - 2026, Issue 6 - June

Google Scholar : https://tinyurl.com/ydh37dt8

Scribd : https://tinyurl.com/m58x83p3

DOI : https://doi.org/10.38124/ijisrt/26jun1293

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : Corporate Social Responsibility (CSR) became a really vital component of business strategy nowadays, especially in banking sector where this institutions play a big role in economic and social developments. This study tries to examine the relation between Corporate Social Responsibility practices and financial performances of private sector banks in India. The main focus of this research is on evaluating how CSR initiatives influences key financial indicators and how it contributes to the overall sustainability and reputation of the banking institutions. For doing this, the study is based on secondary data which is collected from annual reports, financial statements, journals, and other published sources related to selected private banks for a period of five years from 2019–2020 to 2023–2024. To assess the financial performance, we used various ratios like Demand Deposit Ratio, Saving Deposit Ratio, Net Interest Margin, Credit Deposit Ratio, Cost of Equity, and Cost of Debt. Ultimately, the findings reveals that CSR activities positively contributes to enhance corporate image, stakeholder trust, customer loyalty, and long-term financial stabilities. However, the impact varies depending upon the nature and extent of how CSR is implemented. At last, the study concludes that effective integration of CSR into banking operations is not only supporting social and environmental objectives, but also strengthens financial performance and competitive advantages. Private banks should continue to invest in meaningful CSR initiatives so that they can achieve sustainable growth while fulfilling their responsibilities towards society and stakeholders.

Keywords : Corporate Social Responsibility (CSR), Financial Performance, Private Sector Banks, Banking Industry, Sustainability, Stakeholder Engagement, Corporate Governance, Net Interest Margin, Financial Ratios, Sustainable Development.

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