INDIAN BANKING AND FINANCIAL

SERVICES:

CHALLENGES AND OPPORTUNITIES

GROUP 9 – SECTION D

AKANKSHA GUPTA 201822051

SOURADEEP SANYAL 201822082
TEJASVEE NAGPAL 201822089
VEDANT DHAMDE 201822093
 India‘s banking sector is currently valued at Rs. 81 trillion (US$
1.31 trillion). It has the potential to become the fifth largest
banking industry in the world by 2020 and the third largest by
2025.
 India‘s banking system has several outstanding achievements to
its credit. The Banks are the main participants of the financial
system in India. The Banking sector offers several facilities and
opportunities to their customers. All the banks safeguards the
money and valuables and provide loans, credit, and payment
services, such as checking accounts, money orders, and cashier‘s
cheques. The banks also offer investment and insurance products.
HIGH TRANSACTION COST

REVOLUTION IN INFORMATION TECHNOLOGY

TIMELY TECHNOLOGICAL UPGRADATION

INTENSE COMPETETION

NON PERFORMING ASSET

UNDERMINE BANK’S IMAGE

EFFECT ON FUNDING

DECLINING PRODUCTIVITY

EFFECT ON INCOME

EFFECT ON ROI AND PROFITABILITY

ULTIMATE BURDEN ON SOCIETY

GOVERNMENT POLICY : CHALLENGES AND
OPPORTUNITIES

 INSOLVENCY AND BANKRUPTCY CODE BILL

 PMJDY
 PRADHAN MANTRI MUDRA YOJANA
 PRADHAN MANTRI SURAKSHA BIMA YOJANA
 BANK RECAPITALISATION TARGET AT Rs 65000 Crore
KEPT UNCHANGED IN THE CURRENT YEAR.
 The NBFCs in India have gone through a remarkable evolution over
the past few years. They are recognized as one of the critically
important components of the financial system and have shown
consistent growth year after year. NBFCs play a major role in the
core expansion of infrastructure, transport, employment generation,
wealth creation opportunities, and financial support for economically
weaker sections; thereby, making a significant contribution towards
the overall development of the country.
 Non-banking finance companies in India are expected to see an 18
per cent compounded annual growth rate (CAGR) for the next two
and a half years and raise their share in total credit to 19 per cent by
2020, according to rating agency Crisil.
 •Rising NPA is generating a high risk
1 situation.

•Simultaneously there is a huge opportunity

2 for banking industry especially in India

•Rising Trend of Digital banking is opening

3 up new avenue.
 “The Problem of Rising Non-performing Assets in Banking Sector in India:
Comparative Analysis of Public and Private Sector Banks”- Dr Raj Kumar
Mittal and Mrs Deeksha Sunneja
 “Indian Banking Industry: Challenges and opportunities”- Dr Krishna A
Goyal and Vijay Joshi
 “Challenges and Opporunities in Indian Banking Sector”- Dr Javed Iqbal
and Mr. Firdous Ahmad qazi
 https://tradingeconomics.com/india/loan-growth
 https://www.google.com/search?q=structure+of+banking+in+india&rlz=1C
1CHBD_enIN759IN759&tbm=isch&source=iu&ictx=1&fir=iQagB2m1O6
56GM%253A%252CnIXVkO3DSdTsAM%252C%252Fm%252F0h52pmv
&vet=1&usg=AI4_-kT0iVajOVtUZ6jSi8z3ZD88-
Hq_Iw&sa=X&ved=2ahUKEwjhhr3B8-
zgAhXIXysKHTi7AuMQ9QEwAHoECAUQBg#imgdii=HzsnFcxXW0Wu
PM:&imgrc=iQagB2m1O656GM:&vet=1
 https://www.livemint.com/Opinion/7HaJ757NznaDXqFtf0ho4I/Effects-of-
regulatory-intervention-in-banking.html