types of banks rrbs

7/24/2019 Types of Banks RRBs

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TYPES OF BANK

Dr. Teena Shivnani


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SCHEDULED BANKS

Scheduled commercial banks are those included in the

second schedule of the Reserve Bank of India Act, 1934.

For this, the have to satisf three conditions! It must have "aid#u" ca"ital and reserves of an

a$$re$ate value of at least Rs. 5 lakhs.

It is carrin$ on the business of banking in India.

It must be a cor"oration or coo"erative societ and

not a partnership or sole proprietorship firm.


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SCHEDULED BANKS

INDIAN BANKS

Re$istered or incor"orated in

India.

%he have their head&uarterin India and can have

branches all over India.

%he can also o"erate in

forei$n countries.

FR!I"N BANKS

Re$istered or incor"orated in

their home countr, not in

India.

%he have their office and'or

branches in India.

%he"la an im"ortant role in

sha"in$ the attitude and

"olicies of forei$n $ovt.,

com"anies and their clients

to(ards India.


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NON SCHEDULED BANKS

%he banks (hich are not included in the #ndschedule of RBI Act,

1934.

%hese also have to maintain statutor cash reserve but not (ith

RBI.

%heir banking acti$ities are limited, e.$., the cannot deal in

forei$n e)chan$e.

%he share of these banks are almost nil.


5/11

NATIONALIZED BANKS

In 19*9, 14 banks (ith de"osit base

of Rs. + -rores or more (ere

nationalied. In 19/, * more banks

(ere nationalied.

%his ste" brou$ht more than 90of commercial bankin$ in the

"ublic sector.

%he main function of nationalised

bank is"rovide finance for the

housin$ "roects, health facilities

and increase the chance to

"rovidini$ the "roducts and

services to the "eo"le of rural

areas.

Andhra Bank

2unab ational Bank

Indian verseas Bank

I5BI

Allahabad Bank

SBI Bank

6- Bank BB Bank


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PUBLIC SECTOR BANKS

2ublic sector banks are

banks in (hich the

$overnment has a maor

holdin$. At least +10 o(nershi"

is invested (ith the

$overnment.

%he shares of these banks

are listed on stock

e)chan$es.


7/11

PRIVATE BANKS

All those banks in (hich

maorit of stake are held b

"rivate individuals

%he banks, (hich came in

o"eration after 1991, (ith the

introduction of economic

reforms and financial sector

reforms are called 7ne(

"rivate#sector banks8 e( banks are strate$ic in

their thinkin$ and o"erations.


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REGIONAL RURAL BANKS

%he (ere set u" on the

recommendation ofarasimham

-ommittee in 19+.

%he obective (as to"rovide credit

and other facilities to small andmar$inal farmers, a$ricultural

labours and artisans.

RRBs are (orkin$ in all states

e)ce"t :A and Sikkim.

%he are $overned b Re$ionalRural Bank act, 19*

+0 ca"ital is "rovided b central

$ovt., %5& b' state go$t., (5& b'

sponsoring public sector bank.

Features of RRB:

%he area of RRB is limited to onl a

re$ion, com"risin$ of some district of

a state

%hese banks grant loan onl' to therural agriculture sector and small

artisans.

%he lendin$ rates (ould be some

(hat lo(er than the commercial

banks. %hese are intended to remo$e

mone' lenders.

%hese banks are to su""lement the

effort of coo"erative banks.


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COOPERATIVE BANKS

-oo"erative bankin$ is a

small scale bankin$ carried

on a no "rofit no loss basis

for mutual coo"eration and

hel".

!ngaged in financing rural

and agricultural

de$elopment.

%he are established underthe -oo"erative -redit

Societies Act of 194.

Feature of cooperati$e banks):overnment s"onsored, su""orted and

subsidied financial a$encies in India.

;ork on the "rinci"le of coo"eration, self

hel" and mutual hel".

%he function on 8no "rofit no loss< basis.2erform limited bankin$ functions.

Some of them are scheduled banks but

most are non# scheduled banks.

-oo"erative banks are financial

intermediaries onl because a si$nificant

amount of their borro(in$s is from the

RBI, ABAR5, central and state

$overnment and coo"erative a"e)

institutions.
http://var/www/apps/conversion/tmp/scratch_7/List%20of%20RRBs%20on%2031.3.2015.pdfhttp://var/www/apps/conversion/tmp/scratch_7/List%20of%20RRBs%20on%2031.3.2015.pdf


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DETAILS OF ALL CORPORATIVE BANKS

Lis!" S#he$%&e$ Sae C!'!(eraive Ban)s *+,-

Lis!" S#he$%&e$ Uran C!'!(eraive Ban)s /*01-

Lis !" N!n'S#he$%&e$ Uran C!'!(eraive

Ban)s*+023-


11/11

Than) Y!%
http://var/www/apps/conversion/tmp/scratch_7/list%20of%20Non-%20Schedule%20Urban%20Co-operative%20Banks.pdfhttp://var/www/apps/conversion/tmp/scratch_7/list%20of%20Non-%20Schedule%20Urban%20Co-operative%20Banks.pdfhttp://var/www/apps/conversion/tmp/scratch_7/list%20of%20Non-%20Schedule%20Urban%20Co-operative%20Banks.pdfhttp://var/www/apps/conversion/tmp/scratch_7/List%20of%20Schedule%20Urban%20Co-operative%20Banks%20(50%20Banks).pdfhttp://var/www/apps/conversion/tmp/scratch_7/List%20of%20Schedule%20Urban%20Co-operative%20Banks%20(50%20Banks).pdfhttp://var/www/apps/conversion/tmp/scratch_7/List%20of%20Schedule%20Urban%20Co-operative%20Banks%20(50%20Banks).pdfhttp://var/www/apps/conversion/tmp/scratch_7/List%20of%20Schedule%20Urban%20Co-operative%20Banks%20(50%20Banks).pdfhttp://var/www/apps/conversion/tmp/scratch_7/list%20of%20Schedule%20State%20Co-Oprative%20Banks(18).pdfhttp://var/www/apps/conversion/tmp/scratch_7/list%20of%20Schedule%20State%20Co-Oprative%20Banks(18).pdfhttp://var/www/apps/conversion/tmp/scratch_7/list%20of%20Schedule%20State%20Co-Oprative%20Banks(18).pdf

types of banks rrbs

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