BANKING WALLAH

2025

TYPES OF
BANKS

Lecture No.- 06 By- Sushmita Ma’am

 Point Scheduled Banks Non-Scheduled Banks

Definition Banks listed in the Second Banks not listed in the

Schedule of the RBI Act, 1934 Second Schedule of the RBI
Act
RBI
RBI Fully regulated by RBI and Also regulated, but not
Supervision must follow its rules eligible for all RBI facilities

Capital Must have a minimum paid-up May have lower capital

Requiremen capital of ₹5 lakh or more
t

Access to Can get loans and facilities Not eligible for RBI financial
RBI from RBI (e.g., repo) support
Funding

Examples SBI, HDFC Bank, Punjab Local Area Banks, small

Slid 2 National Bank, ICICI, Canara cooperative banks, etc.
󾠮 Commercial Banks 󾠮 वा ण यक बक (Commercial Banks)
Profit-making banks that accept 💰 लाभ कमाने वाले बक, जो जमाएं वीकार करते ह और ऋण (लोन) दान करते
deposits and provide loans ह।

● Owned: Can be public, private, or

🔹 वा म व (Ownership):
foreign ● सावज नक (Public)
● नजी (Private)
● Main Function: Serve individuals and ● वदे शी (Foreign)
businesses
● Examples: SBI, HDFC Bank, ICICI Bank,
🔹 मु य काय:
Axis Bank ● य और वसाय को सेवाएं दान करना

Types:
🔹 उदाहरण:
● SBI, HDFC बक, ICICI बक, Axis बक
● Public Sector Banks (e.g., SBI, PNB
● Private Sector Banks (e.g., HDFC, ICICI)
🔹 कार (Types):

● Foreign Banks (e.g., HSBC, Citi) 1. सावज नक े के बक – जैसे SBI, PNB

2. नजी े के बक – जैसे HDFC, ICICI
● Regional Rural Banks (RRBs) 3. वदे शी बक – जैसे HSBC, Citi
4. े ीय ामीण बक (Regional Rural Banks - RRBs)
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󾠯 Co-operative Banks 󾠯 सहकारी बक (Co-operative Banks)
Community-owned banks that 🏦 सामुदा यक वा म व वाले बक, जो सहकारी णाली पर काय करते ह।

operate on a co-operative basis. 🔹 वा म व (Owned by):

● सद य (सहकारी स म त के सद य)
● Owned by: Members (co-operative
society) 🔹 मु य काय (Main Function):
● Main Function: Provide credit to ● कसान , छोटे ापा रय और ामीण उधारकता को ऋण (लोन)
farmers, small traders, rural दान करना
borrowers 🔹 काय े (Work at):
● Work at: Urban and rural levels
● शहरी और ामीण दोन तर पर
● Examples: Saraswat Co-operative
Bank, District Central Co-op Banks 🔹 उदाहरण (Examples):
● सर वत सहकारी बक
Types: ● जला क य सहकारी बक (District Central Co-op Banks)

● Urban Co-operative Banks 🔹 कार (Types):

● Rural Co-operative Banks 1. शहरी सहकारी बक (Urban Co-operative Banks)
2. ामीण सहकारी बक (Rural Co-operative Banks)
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󾠰 Development Banks 󾠰 वकास बक (Development Banks)
Banks that provide long-term
loans for industrial and
🏗 वे बक जो औ ो गक और अवसंरचना
(Infrastructure) के वकास के लए द घका लक ऋण
infrastructure development. (long-term loans) दान करते ह।

● Not for regular banking (no 🔹 सामा य ब कग काय नह करते

savings accounts or daily
● जैसे बचत खाता या दै नक लेन-दे न नह होता
🔹 जन
banking)
● Help sectors like industry, े म सहायता करते ह:
agriculture, exports, etc. ● उ ोग, कृ ष, नयात, आवास आ द
● Examples:
○ NABARD – for agriculture 🔹 उदाहरण (Examples):
○ SIDBI – for small industries ● NABARD – कृ ष े के लए
○ EXIM Bank – for exports ● SIDBI – लघु उ ोग के लए
○ NHB – for housing ● EXIM Bank – नयात े के लए
● NHB (National Housing Bank) – आवास
े के लए
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 Feature Commercial Co-operative Bank Development Bank
Bank

Purpos Profit + Banking Community service + Sector development

e credit (non-retail)

Owners Govt./Private/ Members of co-op Govt. or special

hip Foreign society institutions

Service Deposits + Credit for members/ Long-term project

s Loans farmers finance

Exampl SBI, HDFC Urban Co-op Banks NABARD, SIDBI, EXIM

es Bank

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󾠮 Public Sector Banks (PSBs) 󾠮 सावज नक े के बक (Public Sector Banks -
PSBs)
Banks where the government
owns more than 50% stake.
🏛 वे बक जनम सरकार क ह सेदारी 50% से अ धक
होती है।
● Controlled by: Central 🔹 नयं ण करता है (Controlled by):
Government
● क सरकार
● Offer: Banking to all, with focus
on priority sectors (like 🔹 सेवाएं दान करते ह (Offer):
agriculture, MSMEs) ● सभी नाग रक को ब कग सेवाएं,
● Examples: State Bank of India ● कृ ष, सू म, लघु और म यम उ म (MSME) जैसे
(SBI), Punjab National Bank ाथ मकता े पर वशेष यान
(PNB), Bank of Baroda (BoB) 🔹 उदाहरण (Examples):
● टे ट बक ऑफ इं डया (SBI)
● पंजाब नेशनल बक (PNB)
Slid 8 ● बक ऑफ बड़ौदा (BoB)
󾠯 Private Sector Banks 󾠯 नजी े के बक (Private Sector Banks)
Banks where private 🏦 वे बक जनम नजी य या सं ान क ब लांश
individuals or institutions hold ह सेदारी होती है (50% से अ धक शेयर उनके पास होते
majority of shares. ह)।

● Efficient, technology-driven
🔹 वशेषताएँ:
services ● कु शल और तकनीक-आधा रत सेवाएं
● लाभ कमाने और ाहक अनुभव पर जोर
● Focus on profit + customer
experience 🔹 उदाहरण (Examples):
● Examples: HDFC Bank, ICICI ● HDFC बक
Bank, Axis Bank, Kotak ● ICICI बक
Mahindra Bank ● Axis बक
● कोटक म ह ा बक

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󾠰 Foreign Banks 󾠰 वदेशी बक (Foreign Banks)
Banks that are headquartered 🌍 वे बक जनका मु यालय भारत के बाहर होता है,
outside India, but operate ले कन भारत म अपनी शाखा के मा यम से काय करते
ह।
branches in India.
🔹 नयं ण (Operate under):
● Operate under RBI regulation
● भारतीय रज़व बक (RBI) के नयम के अंतगत
● Usually in metro cities
● Examples: Citibank, HSBC, 🔹 मु य प से त होते ह:
Standard Chartered, Deutsche ● मे ो शहर म (जैसे द ली, मुंबई, बगलु )
Bank
🔹 उदाहरण (Examples):
● सट बक (Citibank)
● एचएसबीसी (HSBC)
● टडड चाटड बक
● डॉयचे बक (Deutsche Bank)
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󾠱 Regional Rural Banks (RRBs) 󾠱 े ीय ामीण बक (Regional Rural Banks - RRBs)
Special banks formed to serve 🏡 वशेष बक जो ामीण े , वशेषकर कसान और छोटे
rural areas, especially farmers ापा रय क सेवा के लए बनाए गए ह।
and small businesses. 🔹 वा म व (Joint Ownership):
● Jointly owned by: Central ● क सरकार – 50%
● रा य सरकार – 15%
Govt (50%) + State Govt (15%)
● ायोजक बक (Sponsor Bank) – 35%

●
+ Sponsor Bank (35%)
Focus on financial inclusion 🔹 मु य उ े य:
in villages ● गांव म व ीय समावेशन (Financial Inclusion) को
● Examples: Andhra Pragathi बढ़ावा दे ना
Grameena Bank, Baroda UP 🔹 उदाहरण (Examples):
Bank ● आं गत ामीण बक (Andhra Pragathi
Grameena Bank)
● बड़ौदा यूपी बक (Baroda UP Bank)
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 1. Which of the following banks is a public sector bank?

A) ICICI Bank

B) HDFC Bank

C) SBI

D) Kotak Mahindra Bank

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 2. Assertion (A): Public Sector Banks are owned by the government.

Reason (R): The government holds more than 50% stake in these banks.

Options:

A) Both A and R are true, and R is the correct explanation of A.

B) Both A and R are true, but R is not the correct explanation.

C) A is true, but R is false.

D) A is false, but R is true.

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 3. Which of the following is NOT a function of Development Banks?
A) Giving long-term loans
B) Accepting savings deposits
C) Promoting industrial development
D) Supporting housing finance

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 4. Regional Rural Banks are jointly owned by:
A) RBI, NABARD, and State Govt
B) Central Govt, State Govt, and Sponsor Bank
C) Central Govt and RBI only
D) State Govt and Private Sector Bank

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 5. Which of the following is a Scheduled Bank in India?
A) Local Area Bank
B) Any bank listed under the Second Schedule of RBI Act, 1934
C) Cooperative Credit Society
D) Primary Agricultural Credit Society

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 THANK - YOU

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