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Rural Banking in India

The document discusses the history and evolution of banking in India from ancient times to modern day, focusing on the growth of the banking sector and importance of rural banking. It outlines the structure of banking in India including various public and private sector banks, cooperative banks, and microfinance institutions. Key statistics are provided on the performance and growth of the Indian banking sector in areas such as deposits, loans, and non-performing assets.

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Sant Kumar
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4K views15 pages

Rural Banking in India

The document discusses the history and evolution of banking in India from ancient times to modern day, focusing on the growth of the banking sector and importance of rural banking. It outlines the structure of banking in India including various public and private sector banks, cooperative banks, and microfinance institutions. Key statistics are provided on the performance and growth of the Indian banking sector in areas such as deposits, loans, and non-performing assets.

Uploaded by

Sant Kumar
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPT, PDF, TXT or read online on Scribd
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By

Sant Kumar
Welcome
To a World
Where

Relationship And Trust

are being sold

Banking Sector
The word “Bank” originated from a Italian
word “Banko”

Bank
Word traces it’s origin back to the ancient
Roman Empire

First modern bank was founded in Italy in


Genoa in 1906, its name was
Banco Di San Giorgio (Bank of St. George).
What
 A Bank is financial institution whose primary
activity is to act as payment agent for
customers, and to borrow land.

is
Now banking is a service industry. In India
they are a major part of the financial sector
and serve as life blood for the whole industry

Bank
necessary to survive.
Structure of Banking in
India R.B.I.

Scheduled Non Scheduled


Bank Banks

Scheduled Scheduled
Commercial Cooperative
Banks Banks

Scheduled Scheduled
Public Private Foreign Regional Urban State
Sector Sector Banks Rural Cooperative Cooperative
Banks Banks Banks Banks Banks

Nationa SBI & its Old Private New Private


lized Associat Sector Banks Sector Banks
Banks es Banks
Indian Banks recording a growth of 32.22 % in last financial year
Performance Highlights
Particulars 2007-08( Crores) 2006-07(Crores) Growth (%)

Net profit 1008.74 759.77 32.77

Operating Profit 1659.30 1358.59 22.13

Total Deposits 13955 61046 29.63

Net NPA 0.24 % 0.35 %

Education Loan Stood at Rs. 1149.33 Crores as on 31/03/08 23.63

Personal Loans 7860.28 6250.93 25.74

Home Loans 4188.07 3501.47 19.60

Agricultural 6294 4814 30.73


Credit
Over All Business 101274 76593 32.22
Rural Banking
 Today Indian Economy is considered as one of the
most rapidly expanded one among the developing
countries of the world.

 Agriculture in India is one of the most important


sectors of its economy. About 43 % of Indian’s
geographical area is used for agricultural activity.
Agriculture account in Indian’s GDP is 18 % for year
2006-07.

 Bank located in rural areas come up with diverse


programmes to bring changes in the life of rural
people by engaging them in self employment
schemes.
Institutional Structure of Rural
Banking
Structure of
Rural Banking

Commer Three Tier Primary Co-operative Regional


Federal Agriculture and Rural
cial Rural
Development Banks
Banks Cooperative Banks
Bank

State District Primary


Cooperativ Central Agricultural
e Banks Cooperative Credit
Banks
Societies.
Evaluation of Rural banking
in India.
• Co-operative credit institutions.
• Commercial Banks.
• Regional Rural Banks.
• National Rural Banks.
• Reserve Bank of India.
• Nabard.
• Kissan Credit Cards
The Banking Sector have transformed the farmers of
yesterday to a top conscious entrepreneur today and
also contributing his part in the development of national

Banking Services
economy.

Besides the government schemes and programmes the

&
banking services came out with their own programmes
in promoting the interest of rural entrepreneurship
amongst these people.

Rural
A case of Deepa Shrivaswani from a remote
village in Tamil Nadu.

Importance
of
ICICI Bank internet Kiosk Scheme can mean
financial empowerment for rural people. In a way
it can be described as a backdoor entry into

Rural Banking
banking.
 The rural poor still have very little access to formal
finance.

Future
 India has more potentiality of banking in rural areas,

of
where the new banks can come and reap the
advantages of potentiality and can grow by
developing the rural sector.

Rural Banking
In
 Effective Banking services

India
SWOT Analysis

Strength : Weaknesses :
•Competitive Environment •Monetary & Credit Policy
•Merger & Acquisition •Lack of customer Care Services.
•Mobile banking or E banking. •Recovery of loans.

Opportunities : Threats :
•Undeveloped rural Area. •Traditional Mentality of employees.
•More people are getting familiarize •Macro Economic Policy.
•Non – Performing Assets.
with the banking. •Foreign investment Policy.
•Potentiality of Market.
Through the active participation of the banking services,
it will not be out of place to mention that, the villages can
be transformed into thriving cities along with crop

Thriving Cities
cultivation.

Along With
Complete waiver of loans for marginal farmers

One time settlement of loans for other farmers


Crop Cultivation.
A target of Rs. 2.80 lakh crore for agriculture credit
set for the coming year

Loan Waiver scheme to involve loan liability of


Rs. 60,000 Crore .

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