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8 Min…

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Structure of Banking
Sector in India
BANKING SYSTEM IN INDIA

Reserve
Bank of India

A. Commercial B. Co-operative C. Regional Rural


Banks Banks Banks (RRBs)
BANKS BY INCLUSION IN SECOND SCHEDULE OF RBI
ACT, 1934
AS ON MARCH 31, 2003

Scheduled
Banks in India

Scheduled Scheduled
Commercial Banks Co-operative Banks

Public Sector Private Foreign Regional Scheduled Urban Scheduled State


Banks (27) Sector Banks (30) Banks in India (36) Rural Banks (196) Co-operative Banks (57) Co-operative Banks (16)
RBI (1935)
Objectives
 Guiding, Monitoring, regulating and promoting the Indian
financial system

 Issue of bank notes and maintaining reserves

 Monetary stability

 Currency and credit system


Functions of RBI
Monetary functions
 Note issue

 Bankers bank and lender of the last resort

 Bankers to the government

 Custodian of foreign exchange reserves

 Credit control

Non-Monetary functions

 Collection and publication of data

 Regulatory and supervisory function

 Developmental and promotional function


Commercial Banks by Ownership

Commercial Banks

PUBLIC PRIVATE REGIONAL RURAL


SECTOR BANKS SECTOR BANKS FOREIGN BANKS BANKS (RRBS)

New Private
Old Private
Sector Banks
Sector Banks
Public sector banks
 Majority stake (i.e. more than 50%) is owned by
the government.
 21 Nationalized banks

 SBI and its associates (6)

Private sector banks


 Old private sector banks (13)

 New private sector banks (7)


Indian bank vs Foreign bank
RRB (1976)
 Providing credit and banking facilities in rural areas

 Limitations of commercial and cooperative banks

 57 Numbers

 Central Govt (50%) + State Govt (35%) + Sponsoring


bank (15%)

 Managed by board of directors


Cooperative Banks
COOPERATIVE CREDIT INSTITUTIONS

RURAL CO-OPERATIVE PRIMARY COOP BANKS (URBAN


CREIDT INSTITUTIONS CO-OPERATIVE BANKS)

SHORT TERM STRUCTURE LONG TERM


STRUCUTRE

STATE CO- DISTRICT CENTRAL PRIMARY


OPERATIVE CO-OPERATIVE BANKS AGRICULTURAL CREDIT
BANKS SOCIETIES

STATE CO-OPERATIVE PRIMARY CO-OPERAITVE


AGRICULTURE AND RURAL AGRICULTURE AND RURAL
DEVELOPMENT BANKS DEVELOPMENT BANKS
9 mins…
Students discuss about their relevant
topic among their group or other group…

8 mins…
Summary….
Assessment
 Apex body of Indian banking system?
 Monetary and non-monetary functions of
RBI?
 What is scheduled and Non-scheduled bank?
 New banking licenses?
 Difference between private and public sector
banks