Structure of Commercial Banks

*EXCLUDING Co- Operative banks

3. 1. SCHEDULED BANKS
Scheduled Banks in India refer to those banks
which have been included in the Second
Schedule of Reserve Bank of India Act,
1934.Scheduled banks are usually private,
foreign and nationalizedbanksoperating in India
2. NON-SCHEDULED BANKS
Banksnot under thisScheduleare called non-
scheduled banks.

4. 1. SCHEDULED BANKS –
A. COMMERCIAL BANKS
A commercial bank is a type of bank that provides
services such as accepting deposits, making
business loans, and offering basic investment
products that is operated as a business for profit.
FOR EXAMPLE -

5. PUBLIC SECTOR BANKS –
Public Sector Banks(PSBs) are a major type ofbankin India,
where a majority stake (i.e. more than 50%) is held by a
government. The shares of these banksare listed on stock
exchanges.
I. SBI and their associates –
These seven banks were State Bank of
Bikaner and Jaipur (SBBJ), State Bank of Hyderabad (SBH), State
Bank of Indore (SBN), State Bank of Mysore (SBM), State Bank of
Patiala (SBP), State Bank of Saurashtra (SBS) and State Bank of
Travancore (SBT).

6. II. OTHER NATIONALIZED BANKS : –
Allahabad Bank
Andhra Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
Indian Bank
Indian Overseas Bank
Oriental Bank of Commerce
Punjab & Sind Bank
Punjab National Bank
Syndicate Bank
UCO Bank
Union Bank of India
United Bank of India
Vijaya Bank
IDBI Bank
Bharatiya Mahila Bank

7. PRIVATE SECTOR BANKS
Theprivate sector banksin India are
banks where the majority of the shares or
equity are not held by the government but
by private share holders.
FOR EXAMPLE -

8. FOREIGN BANKS -
Aforeign bankbranch is a type offoreign bankthat is obligated to
follow the regulations of both the home and host countries. Because
theforeign bankbranch has loan limits based on the
totalbankcapital, they can provide more loans than subsidiarybanks.

9. REGIONAL RURAL BANKS
Regional Rural Banks are Indian Scheduled
Commercial Banks operating at regional level in
different States of India. They have been created
with a view of serving primarily the rural areas of
India with basic banking and financial services .