SCHEDULED AND NON SCHEDULED BANK INCOME SOURCE OF COMMERICAL BANK

Submitted by: Group-2 Abhishek Tiwari Anish Pandey Ankit Surana Anubhav Srivastava

aspx?id=10780 .rbi.in/scripts/PublicationsView.SCHEDULED BANK Bank’s not included in Reserve Bank of India(RBI) Act. Facilities  Bank becomes eligible for debts/loans on bank rate from the RBI.  Any activity of the bank should not adversely affect the interests of depositors. Source:http://www. NON.org.SCHEDULED BANK & NON-SCHEDULED BANK Scheduled Banks in India: Banks included in the Second Schedule of Reserve Bank of India(RBI) Act. Since May 2007 there does not exist any non-scheduled commercial bank. Conditons  Capital and collected funds of bank should not be less than Rs. 1934 are NonScheduled Bank and capital & collected funds less than 5 Lac.  Bank automatically acquire the membership of clearing house. 5 lac. The difference between schedule and non schedule is immaterial as the number of non schedule bank is almost nil. 1934.

Scheduled Commercial banks. Scheduled Co-operative Banks . 2.LIST OF SCHEDULED BANKS Scheduled banks Types 1. Schedule Bank Schedule Commercial Bank Schedule Co-operative Bank Public Sector Bank Old Private Sector Bank Private Sector Bank New Private Sector Bank Foreign Bank Regional Rural Bank Nationalized Bank SBI and Associated Bank .

Allahabad Bank 2. Bank of Baroda 4. Union Bank of India 19. Syndicate Bank 17. Ratnakar Bank Ltd. Dena Bank 10. Andhra Bank 3. Lakshmi Vilas Bank Ltd. SBI Commercial & International Bank Ltd South Indian Bank Ltd. IDBI Bank Ltd. Central Bank of India 8. ICICI Bank Ltd. Punjab & Sind Bank 15. Oriental Bank of Commerce 14. United Bank of India 20. Nainital Bank Ltd. Bank of India 5. Indian Overseas Bank 13. City Union Bank Ltd. . Federal Bank Ltd. Jammu & Kashmir Bank Ltd. IndusInd Bank Ltd. Indian Bank 12. Bank of Maharashtra 6. Karur Vysya Bank Ltd. Canara Bank 7. Kotak Mahindra Bank Ltd. 11. Development Credit Bank Ltd HDFC Bank Ltd. Yes Bank Ltd Catholic Syrian Bank Ltd. Dhanalakshmi Bank Ltd. Foreign Bank:32 32 Foreign Bank in India. UCO Bank 18. Corporation Bank 9. Karnataka Bank Ltd. Punjab National Bank 16. Vijaya Bank 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 OLD PRIVATE BANK:14               New Private Banks:7        Axis Bank Ltd.NATIONALIZED BANKS: 26  STATE BANK GROUP:6                          1. ING Vysya Bank Ltd. Tamilnad Mercantile Bank Ltd.

INCOME SOURCE :COMMERCIAL BANK  With liberalization. globalization and privatization. Public Sector Bank Group – G-I (26) Old Private Sector Bank Group – G-II (14) New Private Sector Bank Group – G-III (07) Foreign Bank Group – G-IV (32) . Income FACTS & ANALYSIS: Lets divide Indian banking industry into four parts. Interest Income Interest/Discount Income on Investment Balance with RBI Others     Non-Interest Income Commission & Brokerage Sale of Investment Sale of Land Building Exchange Transaction Income from E-Delivery Channels Misc. Banks moved to Fee Based activities rather than Interest based activities.

Parameters of Study Share of commodities exchange and brokerage in other income. Share of exchange transaction in other income. Share of sales in investment in other income. Interest income as a percentage to total income Non-interest income as a percentage to total income .

Sign up to vote on this title
UsefulNot useful