Satavahana University

An individual's financial stability and success are contingent upon the efficient and effective management of a banking system. The financial condition of Telangana Grameena Bank is evaluated using the CAMEL model, a reputable framework, in this study. The evaluation spans the decade of 2014–15 to 2023–24 and prioritizes five critical domains: capital adequacy, asset integrity, managerial efficacy, earnings integrity, and liquidity. Secondary data from the bank's annual reports is employed in the analysis. The results suggest that the bank has maintained a strong capital foundation by consistently surpassing regulatory standards. This demonstrates the bank's capacity to maintain its financial stability and reduce risk. In recent years, there has been a consistent decrease in non-performing assets (NPAs) and full funding has been achieved. The considerable improvement in asset quality is indicative of effective credit risk management. Proficient management yields increased profitability, enhanced resource efficiency, and increased productivity. The bank's profitability has increased over time, resulting in a broader range of income streams, an enhanced net interest margin, and increased total profits. The bank is now capable of fulfilling its short-term obligations and preserving depositor confidence as a result of a substantial increase in liquidity. Analysts contend that Telangana Grameena Bank's performance within the CAMEL framework has fostered consistent growth and financial stability. The results suggest that the CAMEL model is a highly effective diagnostic tool for evaluating outcomes and facilitating comparisons. The research offers critical insights for bank management, regulators, and policymakers to improve financial performance and foster long-term sustainability in a dynamic banking environment.

A novel series of 2-(N-phenyl-N-[1-(R-phenyl)-1H-1,2,3-triazol-4-yl]methylamino)benzenesulfonamide derivatives was synthesized via the copper(I)-catalyzed azide–alkyne cycloaddition reaction of substituted alkynes with various aromatic azides. The structures of the synthesized compounds were confirmed by IR, 1H NMR, and 13C NMR spectroscopy and mass spectrometry. The antioxidant potential of the products was evaluated using DPPH and HRS assays. The highest activity in both antioxidant assays were demonstrated by the derivatives with R = 4-OH, 4-OMe, and 4-Me. These three compounds also exhibited impressive activities in the antimicrobial assay against Gram-positive (B. subtilis and S. aureus) and Gram-negative (E. coli and S. typhi) bacteria and A. niger and C. albicans fungi. The synthesized compounds were evaluated for their antiproliferative activity using the MTT assay against MCF-7 and PC-3 cell lines. In this assay, the strongest anticancer effect, comparable with that of the standard drug Doxorubicin, was demonstrated by the derivatives with R = 4-CN, 4-Me, and 4-CF3. The former two derivatives also showed the highest VEGFR2 binding affinities (–9.1 and –9.0 kcal/mol, respectively) in the molecular docking study, which provides a possible mechanistic rationale for their observed in vitro antiproliferative activity against MCF-7 and PC-3 cell lines.

The standalone health insurance sector in India has experienced significant growth due to rising healthcare expenditure, increasing medical awareness, and the growing demand for financial protection against health-related risks. The expansion of specialized health insurance services has increased the importance of evaluating operational efficiency, financial stability, claims management, and customer service performance among health insurers. Operational efficiency assessment has become essential for understanding the sustainability, competitiveness, and service quality of insurance companies in a rapidly evolving healthcare environment. The present study aims to evaluate the operational performance of selected standalone health insurance companies in India, namely Star Health and Allied Insurance, Care Health Insurance, and ManipalCigna Health Insurance during the period from 2015–16 to 2024–25. The study is based on secondary data collected from annual reports, IRDAI publications, and company records. Statistical tools such as Mean, Standard Deviation, CAGR, and One-Way ANOVA were applied for analysis and interpretation. The findings reveal that Star Health maintained the strongest market position and financial stability, Care Health demonstrated efficient claims management and customer service performance, while ManipalCigna showed rapid operational expansion. The study highlights the importance of operational efficiency, digitalization, effective claims settlement, and customer-oriented services in improving organizational sustainability and competitiveness in the Indian health insurance sector.

The health insurance industry has become one of the fastest-growing segments of the Indian insurance sector due to increasing healthcare costs, rising health awareness, and growing demand for financial protection against medical expenses. This study examines the financial performance of Star Health and Allied Insurance Company Limited, one of India's leading standalone health insurance providers, during the period from 2019-20 to 2023-24. The study adopts a descriptive and analytical research design based exclusively on secondary data collected from annual reports, financial statements, and regulatory publications. Key financial indicators such as Gross Written Premium, Net Written Premium, Investment Income, Profit After Tax, Incurred Claims Ratio, and Capital Adequacy Ratio were analyzed using comparative financial statement analysis, Compound Annual Growth Rate (CAGR), Pearson Correlation, and One-Way ANOVA techniques. The findings reveal that the company achieved significant growth in premium income, investment income, and total assets during the study period. Gross Written Premium increased at a CAGR of 20.12%, indicating strong market expansion and business growth. Although profitability was adversely affected during the COVID-19 pandemic owing to unprecedented claim settlements, the company demonstrated remarkable resilience and recovered strongly in subsequent years. The correlation analysis indicates a positive relationship between total assets and profitability, while ANOVA results confirm significant variation among the selected financial performance indicators. The study concludes that Star Health Insurance possesses strong financial fundamentals, satisfactory solvency, effective claims management, and sustainable growth potential. The findings provide valuable insights for policymakers, investors, insurance practitioners, and researchers interested in the financial performance and sustainability of standalone health insurance companies in India.

A set of MgAl2O4 aluminate-based phosphors doped with Bi3+ (0.01–0.04) and co-doped with alkali cations (Li+, Na+, and K+) was synthesized for the blue lighting application. The refinement of powder X-ray diffraction (XRD) data confirms cubic crystalline structure. When monitored with 424 nm, all phosphors under study showed strong absorption peak at 345 nm. Hence, excitation with 345 nm results in intense photoluminescence (PL) emission at 424 nm, ascribed to Bi3+ emission transition 3P1-1S0. Among the Bi3+ single-doped samples, MgAl2O4:0.03 Bi3+ exhibited optimal PL intensity, while further doping led to concentration quenching. The decay time for all the phosphor seems to fall within microsecond range and reducing with decreasing Bi3+ doping concentration. To applied the co-doping strategy, MgAl2O4:0.03 Bi3+ phosphor co-doped with alkali metals (Li+, Na+, and K+). Co-doping with Li⁺ an K⁺ ions enhancing the PL intensity by factors of approximately 1.2 and 1.5, respectively, while co-doping of Na+ not contributed much. By means of photometric results, it is found that the phosphor showed highly color pure blue emission. The comparison emission spectrum of the phosphor with the absorption spectrum chlorophyll a suggests significant similarity, thus the phosphor have potential to be utilized in plant growth lighting.