BANKING SYSTEM

(cSafdax iz.kkyh)
* Public Sector Bank = 12 (5) Oriental Bank of Commerce & United Bank of
India merged with PNB on 1st April, 2020
* Private Sector Bank = 22
(6) Andhra Bank & Corporation Bank merged with
* Foreign Bank = 46 Union Bank of India on 1st April, 2020.
* Regional Rural Bank = 43
* Small Finance Bank = 10 SBI (STATE BANK OF INDIA) (Hkkjrh; LVsV cSad)
* Payment Bank = 06 * It was establised on 1 July, 1955 under SBI Act
1955.
PUBLIC SECTOR BANKS@ lkoZtfud cSad : bldh LFkkiuk 1 tqykbZ] 1955 dks ,lchvkbZ vf/fu;e 1955 ds
rgr dh xbZA
* State Bank of India/Hkkjrh; LVsV cSad * Head Office(eq[;ky;)Mumabi.

r
Present Chairman(orZeku vè;{k) Rajnish Kumar.
* 14 Banks Nationalised on 19 July, 1969 having *
minimum capital of Rs. 50 crore.
19 tqykbZ]1969 dks 14 cSadksa dk jk"Vªh;dj.k fd;k x;k ftudh
U;wure iwath 50 djksM+ :- FkhA
*

Si
It was recommenaded by A.D.Gorewala Committee.
bl cSad dh LFkkiuk A.D.Gorewala desVh dh fliQkfj'k ij
* 6 Banks Nationalised on 15 April, 1980 having
minimum capital of Rs. 200 crore.
hi
*
d dh xbZA
Previously known by Imperial Bank of India.

15 vizSy] 1980 dks 6 cSadksa dk jk"Vªh;dj.k fd;k x;k ftudh

U;wure iwath 200 djksM+ :- FkhA
as *
,lchvkbZ dk iqjkuk uke Imperial Bank of India FkkA
It is the largest Public Sector Bank which have high-

y
Nationalised Bank and its Headquarters: R est number of domestic & foreign branches.
;g Hkkjr dk lcls vf/d ?kjsyw o fons'kh czkap okyk cSad gSA
1. Punjab National Bank
2. Punjab & Sindh Bank

O b New Delhi
New Delhi
REGIONAL RURAL BANK ({ks=kh; xzkeh.k cSad):- 43
* Ist RRB's is Prathama Bank, established on 2 Octber,

C
3. Indian Bank Chennai 1975 in Moradabaad.
igyk xzkeh.k cSad mÙkj izns'k ds eqjknkckn ftys es 2 vDVwcj

E
4. Indian Qverseas Bank Chennai
5. United Commercial Bank (UCO) Kolkata 1975 dks izFkek cSad uke ls 'kq: fd;k x;k Fkk
* RRB Act Passed in 1976.
6. Bank of India Mumbai
7. Central Bank of India Mumbai
vkjvkjch vf/fu;e 1976 esa ikfjr fd;k x;kA
* No RRB's present in Goa & Sikkim.
8. Union Bank of India Mumbai
xksok o flfDde jkT; esa xzkeh.k cSad ugha gSA
9. Bank of Baroda Vadadora
* RRB's regulated by NABARD.
10. Bank of Maharashtra Pune
xzkeh.k cSadksa dk lapkyu ukckMZ }kjk fd;k tkrk gSA
11. Canara Bank Bangalore
* It was recommendated by Narasimhan Committee.
xzkeh.k cSadksa dh fliQkfj'k ujflagu desVh }kjk dh xbZ FkhA
Note:
* Capital ratio of RRB
(1) New Bank of India merged with PNB - 4 Sep-
tember 1993.
xzkeh.k cSadksa dk iwath vuqikr
(i) 50% Central Government dsanz ljdkj
(2) Dena Bank & Vijaya Bank merged with Bank of
Baroda on 1 April, 2019. (ii) 15% State Government jkT; ljdkj
(3) Syndicate Bank merged with Canara Bank on (iii) 35% Sponsored Bank izk;kstd cSad (Public Sector
Ist April 2020. Bank/lkoZtfud cSad)
* Prathma Bank was sponsored by Syndicate Bank
(4) Allahabad Bank merged with Indian Bank on
1st April, 2020. izFkek cSad dk izk;kstd flaMhdsV cSad FkkA
1 RASHID SIR
SMALL FINANCE BANKS (y?kq foÙk cSad)-10 List of Names of PB's : Headquater
* Minimum Capital Required (U;wure iwath vko';drk) 1. Airtel Payment Bank New Delhi
Rs. 200 crores 2. Paytm Payment Bank Noida
* Minimum Experience 10 years as Finance Company 3. Jio Payment Bank Navi Mumbai
(U;wure 10 o"kZ foÙkh; daiuh dk vuqHko vko';d) 4. FINO Payment Bank Mumbai
* Deposit and Loans facility (tek o ½.k lqfo/k) 5. India Post Payment Bank New Delhi
* RBI approved 10 small bank's license on recommen- 6. NSDL Payment Bank Mumbai
dation of Usha Thorat Committee (vkjchvkbZ us Å"kk
FkksjV desVh dh fliQkfj'k ij 10 y?kq cSasdksa ds ykblsal dks eatwjh Banking Code
nhA)
IFSC :
* First Small Finance Bank was opened on 13 April, * Indian Financial System Code
2016 in Jalandhar named Capital Small Finace Bank. * It is provided by RBI to Bank Branches
(igyk y?kq foÙk cSad 13 vizSy] 2016 dks iatkc ds tkya/j esa * It is 11 digit alpha – numeric code
Capital Small Finance Bank 'kq: gqvkA) * It is used for Electronic Fund Transfer
List of 10 SFB's : Headquaters Name
1. Capital Small Finance Bank Jalandhar
2.
3.
4.
Ujjivan Small Finance Bank
Utkarsh Small Finance Bank
Suryodaya Small Finance Bank
Bengaluru
Varanasi
Bengaluru
Sir
5. Jana Small Finance Bank Bengaluru

hid
6.
7.
North East Small Finance Bank
AU Small Finance Bank
Guwahati
Jaipur
as
8.
9.
Fincare Small Finance Bank
Equitas Small Finance Bank
y
Bangaluru
Chennai R MICR :
10. ESAF Small Finance Bank

O b Thrissur
* Magnetic Ink Character Recognition
* Provided by RBI to Bank Branches
* It is used for Electronic Cheque Clearance
PAYMENT BANKS
*
Rs. 100 crore. EC
(Hkqxrku cSad)- 06
Minimum Capital Required (U;wure Ikwt
a h vko';drk)
* It is 9 digit numeric code

* Minimum Experience not required (foÙkh; daiuh

dk vuqHko vko';d ugha).
* Only Deposit Facility (upto Rs. 1 lakhs)(fliQZ tek
lqfo/k 1 yk[k :i;s rd)
* Loan & Credit Card Facility not available (½.k
o ØsfMV dkMZ lqfo/k miyC/ ugha)
* RBI approved 11 payment bank license on rec-
ommendation of "Nechiket Mor Committee"
NPA- Non Performing Assets (xsSj fu"ikfnr lEifÙk)
(vkjchvkbZ us usfpdsr eksj desVh dh fliQkfj'k ij X;kjg * It mean loan which not recovered to bank.
Hkqxrku cSadksa ds ykblsal dks eatwjh nhA bl vFkZ cSadksa dk og ½.k ftls izkIr ugha fd;k x;k ;k og
* First payment Bank was Airtel Payment Bank ½.k tks Mwc x;kA
which started on 23rd November, 2016. * It is also called bad loan.
igyk Hkqxrku cSad 23 uoEcj 2016 dks ,;jVsy isesaV cSad bls csM yksu Hkh dgk tkrk gSA
us 'kq: fd;k
2 RASHID SIR
Banking Ombudsman (CkSafdax yksdiky)%& EXIM :
* It is an authority to solve banking related problems. * Export & Import Bank of India
;g cSafdax leL;kvksa dk lek/ku djus okyh laLFkk gSaA * Established on : 01 January, 1982 under EXIM Act
* Presently 21 Banking ombudsman in India. 1981
Hkkjr esa 21 cSafdax yksdiky orZeku esa fu;qDr gSA * HQ : Mumbai
* Capital : 100% of Government of India
DICGC - Deposit Insurance and Credit Gurantee
Corporation * Chairman : Venkata Subramaniyam

* It provide maximum five lakh rupees bank deposit * Apex Institute for Export & Import
insurance.
;g cSad tek dk vf/dre 5 yk[k :i;s dk chek iznku djrk NHB :
gSA * National Housing Bank
* It Head Office in Mumbai.
* Established on : 09 July, 1988 under NHB Act 1987
bldk eq[;ky; eqEcbZ esa gSA
* HQ : New Delhi
ATM- Automated Teller Machine:-
* Capital : 100% Govt. of India
* Brown label ATM - ATM Machine of Bank.
* White label ATM- ATM Machine of Non Bank. * Chairman : Sarada Kumar Hota

NEFT - National Electronic Fund Transfer.

*

Sir Regulate to Housing Finance Companies

RTGS- Real Time Gross Settlement.

IMPS- Immediate Payment Service.

hid Facts of Banking

BBPS- Bharat Bill Payment System.

AEPS- Aadhaar Enabled Payment System.
as (i). First Bank in India Bank of Hindustan.

UPI- Unified Payment Interface.

BHIM- Bharat Interface for Money.
y R (ii). First fully Indian capital Bank Panjab National
Bank.

NABARD :

O b (iii).
(iv).
Presentily oldest Bank of India Allahabad Bank.
First Bank to get ISO cistifieak Kannra Bank

C
* National Bank for Agriculture & Rural Development. (v). First Bank to start Internet Banking ICICI Bank
*

*
*
HQ : Mumbai
E
Established on 12 July, 1982 under NABARD Act
1981.

Capital : 100% Govt. of India

(vi).
(vii).
(viii).
First Bank to Start Mobile Banking HDFC Bank
First Bank to Start mutul Fund SBI
First Bank to open Branch out side India Bank of
Inida 1946 [Londan]
* Chairman : Govinda Rajulu Chintla (xi). First Bank to Start ATM in India HSBC Bank
* Recommended By : Shivaraman Committee
(x). First Bank to start Saving Account & cheque sys-
* Apex Institute for Agriculture & Rural Development
tem Bank of Bangal
* Regulate to RRB & Co-operative Bank.
(xi). First Bank to launch Contact less debit and credit
card ICICI Bank.
SIDBI :
(xii). First Adhar enabired ATM : DCB Development
* Small Industries Development Bank of India
* Established on : 02 April, 1990 Under the SIDBI Act Credit Bank Banglore 2016
1989
* HQ : Lucknow nnnn
* Chairman : Mohammed Mustafa
* Apex Institution for providing finance to MSME's
3 RASHID SIR