Types of Bank in India

7/29/2019 Types of Bank in India

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Presenting:Narendra Kumar


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What is bank ??

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Bank is a financial institution which receives deposits from

the public and lends them for investment purpose i.e.,

deposits of money and advances of the Main function of

banks, but in the era of globalization banks indulges

themselves in many activities like Insurance, Mutual Fund

Business and Investment in Stock Exchanges.


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History of Bank

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1870

Bank of Hindustan

First Bank

Presidency Banks

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Bank of Calcutta, Bank of Bombay and Bank of Madras

1921

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All 3 banks amalgamated and became Imperial Bank of India

1934

RBI was Constituted

1949

RBI came under government control

1955

Imperial Bank became State bank of India


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Types of Banks

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On the basis of creation of money

Central Bank

Commercial Bank

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Central Bank

It is a bank of bankers. Its duty is to control the monetary base andsupply of money.

E.g. Reserve bank of India

Main functions: Bank of Issue Monetary authority Regulator and supervisor of the financial system

Managerial of exchange control Issuer of currency

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Commercial Bank

A commercial bank is a type of retail bank that providesservices, such as accepting deposits, giving business loans

and basic investment products.E.g.:

All types of banks

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On the basis of Registration

Schedule Bank

Non Schedule Bank

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Schedule Bank

A Scheduled bank as per the Reserve Bank ofIndiaregulations is a bank that is authorized to provide bankingservices in India. Without RBI authorization no bank is

supposed to provide banking services in India.

E.g:

State bank of India

Icici bank

Hdfc bank

Punjab national bank etc.

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Schedule bank

Schedule commercialbank

Publicsector

Nationalizedbank

SBI andAssociates

Privatesector

Foreignbank

Regional ruralbank

Schedule co-operativebank

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Non Schedule Bank

The banks which are not registered in the list of central bank underits charter are known as non-scheduled banks. They are not boundto perform banking services according to the policies andinstructions of central bank.

These banks do not fulfill the required qualifications of a scheduledbank as prescribed by the central bank. They also do not enjoy thepublic confidence. In many countries, many non-scheduled banksare also working.

E.g. Bank of Punjab was a non-scheduled bank.

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On the basis of ownership

Government Bank / Nationalized Bank

Private Bank

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Government Bank

Those banks which are owned by the central or provincialgovernment of a country.

E.g:

Allahabad Bank Central Bank of IndiaAndhra Bank Corporation Bank

Bank of Baroda Dena Bank

Bank of India Indian Bank

Bank of Maharashtra Oriental Bank of Commerce

Canara Bank Syndicate BankIndian Overseas Bank Punjab & Sind Bank

Punjab National Bank State Bank of India

UCO Bank United Bank of India

Union Bank of India Vijaya Bank

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State Bank Group

State bank of Bikaner & Jaipur

State bank of Hyderabad

State bank of India

State bank of Mysore

State bank of Patiala

State bank of Travancore

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Private Bank Old generation private banks

New generation private banks

Foreign banks operating in India

Scheduled co-operative banks

Non-scheduled banks

Examples:

Bank of Punjab UTI Bank Catholic Syrian Bank

Centurion Bank City Union Bank Dhanalakshmi Bank

Development Credit Bank Federal Bank HDFC Bank

ICICI Bank IndusInd Bank ING Vysya Bank

Jammu & Kashmir Bank Karnataka Bank Karur Vysya Bank

Laxmi Vilas Bank South Indian Bank United Western Bank

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On the basis of Domicile

Domestic Bank

International Bank

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Domestic Bank

Those banks which are owned by the state or public of acountry

E.g:

Allahabad BankCentral Bank of India

Andhra BankCorporation BankBank of Baroda


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International Bank

Those banks which are owned by the State or public of foreigncountry

E.g:

American Express BankABN Amro BankAbu Dhabi Commercial BankBarclays BankBNP Paribas

CitibankDBS BankHSBC BankStandard Chartered Bank

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Development Bank

International development bank

Regional development bank Industrial development bank

Agricultural development bank

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International development bank

Those banks which focus on the agricultural, industrial and

social welfare of all countries at International level E.g: World Bank

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Regional development bank Banks which are established for the development of a

specific region or area

E.g: Asian development bank

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Industrial development bank

Banks which are establish for the development of industry

E.g.: IDBI

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Agricultural development bank

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Banks which are established for the developmentof agricultural sector

E.g: NABARD


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On the basis of Function Investment bank

Saving Bank

Consumer Bank

Exchange Bank

Mortgage Bank

Co-operative Bank

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Investment bankBanks specializing in large scale deposits and dealingmainly with companies instead of public

E.g:

Bank of America

Yes Bank

City bank

Kotak Mahindra bank etc.

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Saving BankThose banks which develop saving habits in people

E.g:

Corporation BankDena BankIndian BankIndian Overseas Bank

Oriental Bank of CommercePunjab & Sind Bank

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Consumer Bank

Those banks which advance loans to its customers

E.g: All Commercial Bank

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Exchange Bank

These banks deals in exchange of currency, issuance of travelCheques etc.

E.g: Western Union Bank

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Mortgage BankThese banks provide loans of short, medium and long termnature against land and buildings

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Union Bank of India

HDFC Bank

Standard Chartered Bank

Bank of Baroda

Central Bank of India

State Bank of Indore

Andhra BankPunjab National Bank

Canara Bank

Indian Bank

Vijaya Bank

State Bank of India


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Co-operative Bank

These banks provide credit facilities to the residents of theparticular area or a particular class of people.

Scheduled Urban Co-operative Bank

E.g: janata sahkari co. bank ltd.

bharat co. bank ltd. Etc.

State Co-operative bankE.g: The Goa state co. bank ltd.

The Delhi state co. bank ltd. Etc.

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Documents

Types of Bank in India