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Types of Commercial Banks in
IndiaApex Banking InstitutionsReserve Bank of India (RBI)
Industrial Development Bank of India (IDBI)
National Bank for Agriculture and RuralDevelopment(NABARD)
Export-Import Bank of India(EXIM Bank)
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Banking Institutions
Commercial Banks
Regional Rural Bank
Co-operative Banks
Land Development Banks
Industrial Development Banks
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Types of Commercial Banks
Foreign Commercial Banks
Indian Commercial Banks---
a) Public Sector Banks
b) Private Sector Banks
Public Sector Banks *
a)State Bank Group(1+7)
b) Nationalized Banks(14+6)
State Bank Group----State Bank of IndiaSubsidiary Banks
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Types of Co-operative Banks
State Co-operative Banks
Central District Co-operative Banks
Primary Credit Societies
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Types of Land DevelopmentBanks
State Land Development Bank
Primary Land Development Banks
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Types of Industrial DevelopmentBanks. All India---
IFCI, ICICI*, IDBI*, IRCI(sinceliquidated)
State level---
SFCs----State Financial
Corporation
SIDCsState Industrial Dev.Corporation.
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Banks Role, Services &
Products. Intermediary Role:
Deposit------Current Accounts
Savings Accounts
Term Deposits
Recurring Deposits
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Loan
a) Retail Loans
Housing or Mortgage LoansVehicle Loans
Consumer Durable Loans
Personal LoansLoan against shares
Loans against fixed deposits
Personal Overdrafts
Credit CardsThis is hybrid productsand predominantly a payment product.
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b) Business Credit
Long Term- i) Term Loans
ii)Leasing/Hire PurchaseShort Term- Working Capital facilities
i) Overdraft
ii) Cash credit
iii) Packing credit/Post-shipment credit
iv) Demand Loan/Line of
credit.v) Business card or Credit
Card for business transactions.
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c) Trade Finance
Cheque Purchase
Bill Purchase/Bill Discount/Bill
Negotiation
Letter of credit(LC)
Letter of
Guarantee(LG)
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Payment System Constituent:
(A) Payment and Remittance-ChequePayorder/Bankers ChequeDemand Draft
Multi City Cheque(Any whereBanking)Electronic Fund TransferDebit Card
Credit CardCharge CardTravel Card
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(B)Collection
TransferLocal clearingElectronic Clearing System(ECS
)*
Cheque CollectionNational ClearingCMS-Cash Management
ServicesBill Collection
( C ) Forex
Foreign Exchange
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Financial Services A) Distribution:
Mutual FundsInsurance ProductsGovernment BondsStamp PaperGold CoinsMobil RechargeShare of Companies(Public Issue)
B) Collection:TaxesUtility Bills
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C) De MATDe MAT Share Account
D) Safe Keeping
Safe Deposit LockerSafe Custody
E) Advisory*
Investment Advice
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Banking Channels
1-Branches2-ATMs- 1st offsite ATM in 1996
Service available 24x7(convenience)Cost of providing services is less than the cost of
maintaining a branch(cost effectiveness)3- Other alternative channels(non-branch) are-
POS (Point of Sales)Phone Banking
Internet BankingMobile Banking(SMS)Home Banking- delivery of cash and
Draft/collection of cheques(HNI)
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Banking services are becomingmore innovative. With more newgeneration Bank coming into fray the
competition will be fierce and theBanks will try to offer cost-effectiveand convenient products and services
to their customer.
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Thank you..
Pranab KumarBhuyan
