DIP: 18.02.008/20210601 
DOI: 10.25215/2455/0601008 
Abstract
Performance Appraisal of HFIs can be done through the different parameters. It may be through checking the Operational Efficiency of the HFIs. It may be done through the customer aptitude analysis because customers are the most important aspect of the HFIs. But in this paper only the Financial aspect is taken. To check the financial performance of these HFIs, CAMEL approach is used. There may be so many approaches to check the financial efficiency of the HFIs. But in this paper CAMEL approach is taken as base. The various ratios defining the CAMEL approach are calculated to check the financial performance of these two HFIs. The statistical tools like arithmetic mean, standard deviation, coefficient of variation, coefficient of correlation, t-test are used. The graphical representation is made through bar graphs and line graphs to make comparison more effective. A null hypothesis is tested in this paper which is “There is a no significant difference between the Financial Performance of HDFC and LICHFL”. To test whether the Hypothesis had been accepted or rejected, the secondary data collected from the annual reports of the HDFC and LICHFL is compared on the basis of different parameters and t-test is used to check each parameter. After applying various statistical tools on the secondary data, it may be concluded that there is NO SIGNIFICANT difference between the financial performance of the HDFC and LICHFL.
The authors profoundly appreciate all the people who have successfully contributed to ensuring this paper in place. Their contributions are acknowledged however their names cannot be mentioned. 
The author declared no conflict of interest. 
ISSN 2455-670X