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Difference between cooperative 
bank and commercial bank 
Submitted by : 
Nidhi Sharma 
13609027
Banks 
Commercial 
Banks 
Scheduled 
Banks 
Indian Banks 
Public Sector 
State Bank of 
India (6) 
Private Sector 
Nationa...
• Schedule banks in India – banks included in second schedule of RBI Act, 
1934. 
In schedule banks the capital and collec...
Commercial bank 
• A commercial bank is a financial institution that is authorized by law to 
receive money from businesse...
Function of commercial bank 
• Receive deposits - take money in from individuals and businesses (called 
depositors) 
• Di...
Cooperative bank 
• Cooperative banks are organized and managed on principles of 
cooperative, self help and mutual help. ...
• Primarily do business in agriculture and rural sectors as providing loan to 
agriculturists and facility to rural sector...
1 Registration 
In India, the Commercial Banks are required to be registered under 
Banking Regulation Act, 1949. 
In Indi...
5. Area of Operation 
Commercial banks operate over a larger area. Some commercial banks even 
have branches in foreign co...
9. Mutual Funds 
Commercial Banks in India such as Canara Bank, Bank of India, State Bank 
of India, do operate mutual fun...
13. Rate of Interest 
The Commercial Banks provide a lesser rate of interest as compared to co-operative 
banks. 
The Co-o...
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Difference between cooperative bank and commercial bank

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it is the description about how the commercial bank is different from cooperative bank

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Difference between cooperative bank and commercial bank

  1. 1. Difference between cooperative bank and commercial bank Submitted by : Nidhi Sharma 13609027
  2. 2. Banks Commercial Banks Scheduled Banks Indian Banks Public Sector State Bank of India (6) Private Sector Nationalized bank (26) Foreign Banks (32) Non Regional Rural Scheduled Banks Banks Cooperative Banks Old private sector banks (14) New private sector banks (7)
  3. 3. • Schedule banks in India – banks included in second schedule of RBI Act, 1934. In schedule banks the capital and collected funds of bank should not less than Rs. 5 lac. • Non Schedule bank – banks not included in RBI Act, 1934 are non scheduled banks and their capital and collected funds less than 5 lac.
  4. 4. Commercial bank • A commercial bank is a financial institution that is authorized by law to receive money from businesses and individuals and lend money to them. Commercial banks are open to the public and serve individuals, institutions and businesses. • Banks are regulated by federal and state laws depending on how they are organized and the services they provide. Commercial banks are also monitored through the Federal Reserve System.
  5. 5. Function of commercial bank • Receive deposits - take money in from individuals and businesses (called depositors) • Disburse payments - make payments upon the direction of its depositors (such as honoring a check) • Collections - a bank will act as your agent to collect funds from another bank payable to you (such as when someone pays you by check drawn on an account from a different bank) • Invest funds in securities for a return • Safeguard money - banks are considered a safe place to store your wealth • Maintain and service savings and checking accounts of its depositors • Maintain custodial accounts - accounts controlled by one person but for the benefit of another person, such as a trust account • Lend money
  6. 6. Cooperative bank • Cooperative banks are organized and managed on principles of cooperative, self help and mutual help. • It is for mutual benefit, along side helping members and public funding. • The main objective of cooperative bank is not to earn profit i;e no profit no loss • First institution which are gvt sponsored, gvt supported and gvt subsidized financial agencies help by RBI, NABARD, State gvt, Central gvt.
  7. 7. • Primarily do business in agriculture and rural sectors as providing loan to agriculturists and facility to rural sector • UCB, SCB and CCB operate in urban areas, semi urban and metro politician cities also and finance for non agriculture business also. • Urban cooperative banks advice to lend 60% of total advances to priority sector • Cooperative banks in India finance rural areas under: Farming Cattle Milk Hatchery Personal finance • Cooperative banks in India finance urban areas under: Self-employment Industries Small scale units Home finance Consumer finance Personal finance
  8. 8. 1 Registration In India, the Commercial Banks are required to be registered under Banking Regulation Act, 1949. In India, the Co-operative Banks are required to be registered under the Co-operative Societies Act, of the concerned state, and regulated by cooperative societies and RBI. 2. Main Objective The main objective of a Commercial Bank is to accept deposits from public for the purpose of lending to industry and commerce. The main objective of a Co-operative Bank is to accept deposits from the members and the public for the purpose of providing loans to farmers and small businessmen with a motto of service. 3. Types Commercial banks in India are of two types: (i) public sector banks and (ii) private sector banks. Co-operative banks are private sector banks. 4. Availability of Funds Massive funds are available at the disposal of Commercial Banks. Limited funds are available at the disposal of Co-operative Banks.
  9. 9. 5. Area of Operation Commercial banks operate over a larger area. Some commercial banks even have branches in foreign countries. The area of operations of Co-operative Banks is limited and mostly confined to State. They do not operate at national level nor international level. 6. Subject to Commercial banks are subject to the control of the Reserve Bank of India directly. Co-operative banks are subject to the rules laid down by the Registrar of Co-operative Societies 7.Nationalisation At present 20 Commercial Banks have been nationalised in India. In India Co-operative Banks are not nationalised. 8. Merchant Banking Services Commercial Banks provide merchant banking services such as advising the companies regarding the public issue of shares. Co-operative Banks do not provide merchant banking services.
  10. 10. 9. Mutual Funds Commercial Banks in India such as Canara Bank, Bank of India, State Bank of India, do operate mutual funds. At present co-operative banks in India do not operate mutual funds. 10. Basis of operation Commercial banks operates on the commercial principles. They operate to earn a profit. The basis of operations is on co-operative lines, i.e. service to its members and the society. 11. Provide Finance Commercial banks mostly provide short-term finance to industry, trade and commerce, including priority sectors like exports, etc. Co-operative banks usually cater to the credit needs of agriculturists. 12. Borrowers In co-operative banks, borrowers are member shareholders, so they have some influence on the lending policy of the banks, on account of their voting power. Borrowers of commercial banks are only account- holders and have no voting power as such, so they cannot have any influence on the lending policy of these banks.
  11. 11. 13. Rate of Interest The Commercial Banks provide a lesser rate of interest as compared to co-operative banks. The Co-operative Banks provide a little higher rate of interest on deposits as compared to commercial banks. 14. NPA The NPA of Commercial Bank is high as compared to Cooperative Banks. reasons: speculation default internal reasons and external reasons 15. CRR and SLR The CRR and SLR are less stringent of Cooperative banks than Commercial banks.
  12. 12. Thank you

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