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Banking System in

India

1
BANKING SYSTEM IN INDIA

Reserve
Bank of India

A. Commercial B. Co-operative C. Regional Rural D. Local Area


Banks Banks Banks (RRBs) Banks

2
Classification of Commercial
Banks (by Ownership)

Commercial Banks

PUBLIC
PRIVATE FOREIGN BANKS
SECTOR BANKS
SECTOR BANKS
(27) (32)
(22)

New Private
Old Private
Sector Banks
Sector Banks
(7)
(15)

Note: Figures in brackets indicate number of respective institutions as on March 31, 2010
3
Ownership Pattern of RRBs
(Equity holding in RRBs)

RRB

Government of the
Government of India Sponsoring Bank
Respective State
(50%) (35%)
(15%)

4
Ownership Pattern of Local
Area Banks (LABs)

LAB

Companies in the Private Sector / Trusts / NGOs / Individuals (with a


Paid-up Capital of Rs 5 crore with Promoters share being at least
Rs 2 crore)

5
Classification of Commercial Banks
Continued

Public Sector Banks (27)


1. Nationalized Banks (19)
2. State Bank of India and its Associates (7)
3. IDBI (1)
Private Sector Banks (22)
1. Old Generation Private Banks(15)
2. New Generation Private Banks(7)
Foreign Banks (32)
Local Area Banks (4)
Source: RBI: Report on Trend and Progress of Banking in India, 2009-2010
Note : Figures in brackets indicate number of banks in each group.

6
BANKS BY INCLUSION IN SECOND SCHEDULE OF RBI
ACT, 1934
(AS ON MARCH 31, 2008)

Scheduled
Banks in India

Scheduled Scheduled
Commercial Banks Co-operative Banks

Private Scheduled Urban Scheduled State


Public Sector Foreign Regional
Sector Banks Co-operative Co-operative
Banks (27) Banks in India (32) Rural Banks (82)
(22) Banks (53) Banks (31)

7
CONDITIONS FOR INCLUSION OF BANKS
IN SECOND SCHEDULE OF RBI ACT, 1934
[Section 42 (6) (a) of RBI Act, 1934.]

PAID-UP CAPITAL & RESERVES RS 5 LAKHS

AFFAIRS NOT CONDUCTED IN A MANNER


DETRIMENTAL TO INTERESTS OF THE BANKS
DEPOSITORS

MUST BE ONE OF THE FOLLOWING :


A COMPANY AS DEFINED IN COMPANIES ACT, 1956
STATE CO-OEPRATIVE BANK OR PRIMARY CO-OPERATIVE
BANK OR AN INSTITUTION NOTIFIED BY THE CENTRAL
GOVT. IN THIS BEHALF
CORPORATION OR A COMPANY INCORPORATED BY OR
UNDER ANY LAW IN FORCE IN ANY PLACE OUTSIDE INDIA.

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SHORT TERM AND MEDIUM-TERM RURAL CREDIT SYSTEM

NABARD

COMMERCIAL REGIONAL STATE CO-


Local Area
BANKS RURAL BANKS OPERATIVE
Banks (RRBs) BANKS

DIST. CENTRAL CO-OP.


BANKS (DCCBs)

PRIMARY AGRI. CREDIT SOCIETIES (PACSs)


FARMERS SERVICE SOCIETIES (FSSs)
LARGE-SIZED ADIVASI MULTIPURPOSE
SOCIETIES (LAMPSs)

RURAL BORROWERS
9
LONG-TERM RURAL CREDIT DELIVERY SYSTEM
NABARD

DOMESTIC REGIONAL STATE CO-OP. AGRI &


COMMERCIAL RURAL BANKS RURAL DEV. BANKS
BANKS (49)
(RRBs) (82) (SCARDBS) (20)

PRIMARY CO-OP
AGRI. & RURAL DEV.
RURAL SECTOR BANKS (PCARDBs)
BORROWERS (697)

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PATTERN OF THE CO-OPERATIVE CREDIT INSTITUTIOINS IN
INDIA

CO-OPERATIVE CREDIT INSTITUTIONS

RURAL CO-OPERATIVE URBAN CO-OPERATIVE BANKS


CREDIT INSTITUTIONS (also known as PRIMARY COOP BANKS)

SHORT TERM STRUCTURE LONG TERM STRUCUTRE

STATE CO-OP. DISTRICT CENTRAL PRIMARY


BANKS (31) CO-OP. BANKS (370) AGRICULTURAL CREDIT
SOCIETIES (95,633)

STATE CO-OPERATIVE PRIMARY CO-OPERAITVE


AGRICULTURE AND RURAL AGRICULTURE AND RURAL
DEVELOPMENT BANKS (20) DEVT. BANKS (697) 11

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