Types of Bank in India

Presenting: Narendra Kumar
What is bank ??
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
1870 Bank of Hindustan First Bank
Presidency Banks - Bank of Calcutta, Bank of Bombay and Bank of Madras 1921 - 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
Types of Banks
On the basis of creation of money

Central Bank
Commercial Bank
Central Bank
It is a bank of bankers. Its duty is to control the monetary base and supply 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
Commercial Bank
A commercial bank is a type of retail bank that provides services, such as accepting deposits, giving business loans and basic investment products. E.g.: All types of banks
On the basis of Registration

Schedule Bank
Non Schedule Bank
Schedule Bank
A Scheduled bank as per the Reserve Bank of India regulations is a bank that is authorized to provide banking services 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.
Schedule bank
Schedule commercial bank
Schedule co-operative
bank
Public
sector
Private
sector
Foreign
bank
Regional rural
bank
Nationalized bank
SBI and Associates

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Non Schedule Bank

The banks which are not registered in the list of central bank under its charter are known as non-scheduled banks. They are not bound to perform banking services according to the policies and instructions of central bank. These banks do not fulfill the required qualifications of a scheduled bank as prescribed by the central bank. They also do not enjoy the public confidence. In many countries, many non-scheduled banks are 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 provincial government of a country. E.g:
Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Indian Overseas Bank Punjab National Bank UCO Bank Union Bank of India Central Bank of India Corporation Bank Dena Bank Indian Bank Oriental Bank of Commerce Syndicate Bank Punjab & Sind Bank State Bank of India United 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 Centurion Bank Development Credit Bank ICICI Bank Jammu & Kashmir Bank Laxmi Vilas Bank UTI Bank City Union Bank Federal Bank IndusInd Bank Karnataka Bank South Indian Bank Catholic Syrian Bank Dhanalakshmi Bank HDFC Bank ING Vysya Bank Karur Vysya Bank United Western Bank
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On the basis of Domicile

Domestic Bank
International Bank
16
Domestic Bank
Those banks which are owned by the state or public of a country
E.g: Allahabad Bank Central Bank of India Andhra Bank Corporation Bank Bank of Baroda
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International Bank
Those banks which are owned by the State or public of foreign country E.g: American Express Bank ABN Amro Bank Abu Dhabi Commercial Bank Barclays Bank BNP Paribas Citibank DBS Bank HSBC Bank Standard 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
22
Agricultural development bank

Banks which are established for the development of 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 bank
Banks specializing in large scale deposits and dealing mainly with companies instead of public E.g: Bank of America Yes Bank City bank Kotak Mahindra bank etc.
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Saving Bank
Those banks which develop saving habits in people E.g: Corporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & 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 travel Cheques etc. E.g: Western Union Bank
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Mortgage Bank
These banks provide loans of short, medium and long term nature against land and buildings
Union Bank of India HDFC Bank Standard Chartered Bank Bank of Baroda Central Bank of India State Bank of Indore Andhra Bank Punjab 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 the particular 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 bank E.g: The Goa state co. bank ltd. The Delhi state co. bank ltd. Etc.
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Types of Bank in India

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Presenting: Narendra Kumar

On the basis of creation of money

On the basis of Registration

Non Schedule Bank

Schedule commercial bank

SBI and Associates

Non Schedule Bank

On the basis of ownership

State Bank Group

On the basis of Domicile

Industrial development bank

International development bank

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

Regional development bank

specific region or area E.g: Asian development bank

Industrial development bank

Agricultural development bank

On the basis of Function

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