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7/24/2019 Types of Banks RRBs
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TYPES OF BANK
Dr. Teena Shivnani
7/24/2019 Types of Banks RRBs
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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$e.
%he share of these banks are almost nil.
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NATIONALIZED BANKS
In 19*9, 14 banks (ith de"osit base
of Rs. + -rores or more (ere
nationalied. In 19/, * more banks
(ere nationalied.
%his ste" brou$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.
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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
$overnment and coo"erative a"e)
institutions.
http://var/www/apps/conversion/tmp/scratch_7/List%20of%20RRBs%20on%2031.3.2015.pdfhttp://var/www/apps/conversion/tmp/scratch_7/List%20of%20RRBs%20on%2031.3.2015.pdf7/24/2019 Types of Banks RRBs
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DETAILS OF ALL CORPORATIVE BANKS
Lis!" S#he$%&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-
7/24/2019 Types of Banks RRBs
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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