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8/6/2019 34487504 Rural Banking in India
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By
Sant Kumar
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Welcome
To a World
Where
Relationship And Trust
are being sold
Banking Sector
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Bank
The word Bank originated from a Italian
word Banko
Word traces its origin back to the ancient
Roman Empire
First modern bank was founded in Italy in
Genoa in 1906, its name was
Banco Di San Giorgio (Bank of St. George).
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Whatis
Bank
A Bank is financial institution whose primaryactivity is to act as payment agent for customers, and to borrow land.
Now banking is a service industry. In India
they are a major part of the financial sector
and serve as life blood for the whole industrynecessary to survive.
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Structure of Banking in IndiaR.B.I.
Scheduled
Bank
Non Scheduled
Banks
Scheduled
Commercial
Banks
Scheduled
Cooperative
Banks
PublicSector
Banks
PrivateSector
Banks
ForeignBanks
Scheduled
UrbanCooperative
Banks
RegionalRural
Banks
Scheduled
StateCooperative
Banks
Nationa
lizedBanks
SBI & its
Associates Banks
New Private
Sector Banks
Old Private
Sector Banks
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Indian Banks recording a growth of 32.22 % in last financial year
Performance Highlights
Particulars 2007-08( Crores) 2006-07(Crores) Growth (%)
Net profit 1008.74 759.77 32.77
Operating Profit 1659.30 1358.59 22.13
Total Deposits 13955 61046 29.63
Net NPA 0.24 % 0.35 %
Education Loan Stood at Rs. 1149.33 Crores as on 31/03/08 23.63
Personal Loans 7860.28 6250.93 25.74
Home Loans 4188.07 3501.47 19.60
Agricultural
Credit
6294 4814 30.73
Over All Business 101274 76593 32.22
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Rural Banking
Today Indian Economy is considered as one of the
most rapidly expanded one among the developingcountries of the world.
Bank located in rural areas come up with diverse
programmes to bring changes in the life of rural
people by engaging them in self employment
schemes.
Agriculture in India is one of the most important
sectors of its economy. About43 % of Indiansgeographical area is used for agricultural activity.
Agriculture account in Indians GDP is 18 % for year
2006-07.
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Institutional Structure of Rural Banking
Structure ofRural Banking
RegionalRural
Banks
StateCooperativ
e Banks
Primary Co-operative
Agriculture and Rural
Development Banks
Commercial
Banks
Three TierFederal
Cooperative
Bank
DistrictCentral
Cooperative
Banks
PrimaryAgricultural
Credit
Societies.
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Evaluation of Rural banking in India.
Co-operative credit institutions.
Commercial Banks.
Regional Rural Banks. National Rural Banks.
Reserve Bank of India.
Nabard. Kissan Credit Cards
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Banking Services&
Rural Entrepreneurship
The Banking Sector have transformed the farmers of
yesterday to a top conscious entrepreneur today and
also contributing his part in the development of national
economy.
Besides the government schemes and programmes the
banking services came out with their own programmes
in promoting the interest of rural entrepreneurship
amongst these people.
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Importance
of
Rural Banking
A case of Deepa Shrivaswani from a remote
village in Tamil Nadu.
ICICI Bank internet Kiosk Scheme can mean
financial empowerment for rural people. In a way
it can be described as a backdoor entry into
banking.
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Future
ofRural Banking
In
India
The rural poor still have very little access to formalfinance.
India has more potentiality of banking in rural areas,
where the new banks can come and reap theadvantages of potentiality and can grow bydeveloping the rural sector.
Effective Banking services
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SWOT Analysis
Strength :Competitive EnvironmentMerger & Acquisition
Mobile banking or E banking.
Weaknesses :Monetary & Credit Policy
Lack of customer Care Services.
Recovery of loans.
Opportunities :Undeveloped rural Area.More people are getting familiarize
with the banking.
Potentiality ofMarket.
Threats :TraditionalMentality of employees.Macro Economic Policy.
Non Performing Assets.
Foreign investment Policy.
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Thriving Cities
Along WithCrop Cultivation.
Through the active participation of the banking services,
it will not be out of place to mention that, the villages can
be transformed into thriving cities along with cropcultivation.
Complete waiver of loans for marginal farmers
One time settlement of loans for other farmers
A target of Rs. 2.80 lakh crore for agriculture credit
set for the coming year
Loan Waiver scheme to involve loan liability of
Rs. 60,000 Crore .
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