This document provides an overview of the branches and ATMs of commercial banks in India from 2010-11 to 2019-20. It summarizes the year-wise data on branches and ATMs of public sector banks in India. As of 2019-20, public sector banks had a total of 87,892 branches, with 28,921 branches in rural areas and 17,355 branches in metropolitan areas. They also had a total of 134,863 ATMs, with 78,484 on-site ATMs and 56,379 off-site ATMs. The compound annual growth rate of branches was 3.52% and of ATMs was 10.53% during this period. It also provides breakdown of branches and ATMs
AN OVERVIEW OF BRANCHES AND ATMS OF COMMERCIAL BANKS IN INDIA PARAMASIVANCHELLIAH
ย
This document provides an overview of the branches and ATMs of commercial banks in India. It discusses the growth in branches and ATMs of public sector banks from 2010-11 to 2019-20, with the number of branches increasing from 62,211 to 87,892 and the number of ATMs increasing from 39,487 to 134,863 over this period. It also provides breakdowns of the branches and ATMs of various public sector banks by location (rural, semi-urban, urban, metropolitan) as of 2019-20. Finally, it summarizes the total ATMs owned by different types of commercial banks (public sector banks, private sector banks, foreign banks, payment banks, small finance banks) by location
A STUDY ON DEPLOYMENT OF ATMs OF COMMERCIAL BANKS IN INDIARAVICHANDIRANG
ย
India is one of the well organised banking system consist country in the world with effective regulated authorities and connected with more than 80 crore people. The Indian banking system comprises of 12 public sector banks, 22 private sector banks, 46 foreign banks, 56 regional rural banks, 1485 urban cooperative banks and 96,000 rural cooperative banks in addition to cooperative credit institutions As of November 2020, the total number of ATMs in India increased to 209,282. Even now this number has increased due to changing purchase behaviour of the people in the country. Indian banking industry has recently observed the roll out of innovative banking models like payments and small finance banks. RBIโs new measures may go a long way in helping the restructuring of the domestic banking industry. With the help of information and communication technology, digital banking becomes a powerful part in the financial services and products. The digital payments system in India has progressed the most among 25 countries with Indiaโs Immediate Payment Service being the only system at level five in the Faster Payments Innovation Index.In this aspect this study made an attempt to understand the deployment of ATMs of commercial banks in India.
The document discusses the financial performance of commercial banks in India. It provides background on commercial banks and their role in India's financial system. It then reviews previous literature on assessing bank performance and financial ratios. The document also includes a table showing the consolidated balance sheet of public sector banks in India for 2019-20, with capital, reserves, deposits, loans and other line items. Overall, the document examines the financial performance of commercial banks through analyzing their income, expenditures and consolidated balance sheets.
FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN INDIA
Dr.C. PARAMASIVAN Assistant Professor
G.RAVICHANDIRAN Ph.D. Full Time Research Scholar
PG & Research Department of Commerce Periyar E.V.R.College (Autonomous), Tiruchirappalli620023. (Affiliated to Bharathidasan University, Tiruchirappalli, India)
The document provides information about Komal Pandya's summer internship project at Rajkot Nagrik Shakari Bank. It includes a 1-2 sentence summary of each main section, which are:
1) An overview of the bank's history dating back to 1953 and details about its growth over time with increasing deposits, advances, and profits.
2) Details of Komal Pandya's research project on creating awareness about debt instruments at the bank, including the objectives, methodology, data collection and analysis.
3) A list of the bank's main products and services offered to customers such as demand drafts, money transfers, check collection, current accounts and more.
Financial inclusion is a powerful enabler of inclusive economic growth. Studies show that access to finance and financial services empowers people in many ways -- they are better able to start and expand businesses, invest in education, manage risk, and absorb financial shocks. It also helps help reduce income inequality and thereby accelerate economic growth.
Outreach and efficiency of inclusive banking throughRAVICHANDIRANG
ย
Financial inclusion is one of the means for overall economic development of a country.The
growth of the retail banking industry fosters financial inclusion by providing financial products and
services to people in the rural areas of the country. The nationalization of prominent commercial banks has improved
the banker customer relationship.The measures taken by the Reserve Bank of India and other regulatory bodies
have strengthened the banking industry and have raised the level of confidence in the minds of the public about the
banking sector.The banking history has undergone tremendous changes in the last few decades
AN OVERVIEW OF BRANCHES AND ATMS OF COMMERCIAL BANKS IN INDIA PARAMASIVANCHELLIAH
ย
This document provides an overview of the branches and ATMs of commercial banks in India. It discusses the growth in branches and ATMs of public sector banks from 2010-11 to 2019-20, with the number of branches increasing from 62,211 to 87,892 and the number of ATMs increasing from 39,487 to 134,863 over this period. It also provides breakdowns of the branches and ATMs of various public sector banks by location (rural, semi-urban, urban, metropolitan) as of 2019-20. Finally, it summarizes the total ATMs owned by different types of commercial banks (public sector banks, private sector banks, foreign banks, payment banks, small finance banks) by location
A STUDY ON DEPLOYMENT OF ATMs OF COMMERCIAL BANKS IN INDIARAVICHANDIRANG
ย
India is one of the well organised banking system consist country in the world with effective regulated authorities and connected with more than 80 crore people. The Indian banking system comprises of 12 public sector banks, 22 private sector banks, 46 foreign banks, 56 regional rural banks, 1485 urban cooperative banks and 96,000 rural cooperative banks in addition to cooperative credit institutions As of November 2020, the total number of ATMs in India increased to 209,282. Even now this number has increased due to changing purchase behaviour of the people in the country. Indian banking industry has recently observed the roll out of innovative banking models like payments and small finance banks. RBIโs new measures may go a long way in helping the restructuring of the domestic banking industry. With the help of information and communication technology, digital banking becomes a powerful part in the financial services and products. The digital payments system in India has progressed the most among 25 countries with Indiaโs Immediate Payment Service being the only system at level five in the Faster Payments Innovation Index.In this aspect this study made an attempt to understand the deployment of ATMs of commercial banks in India.
The document discusses the financial performance of commercial banks in India. It provides background on commercial banks and their role in India's financial system. It then reviews previous literature on assessing bank performance and financial ratios. The document also includes a table showing the consolidated balance sheet of public sector banks in India for 2019-20, with capital, reserves, deposits, loans and other line items. Overall, the document examines the financial performance of commercial banks through analyzing their income, expenditures and consolidated balance sheets.
FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN INDIA
Dr.C. PARAMASIVAN Assistant Professor
G.RAVICHANDIRAN Ph.D. Full Time Research Scholar
PG & Research Department of Commerce Periyar E.V.R.College (Autonomous), Tiruchirappalli620023. (Affiliated to Bharathidasan University, Tiruchirappalli, India)
The document provides information about Komal Pandya's summer internship project at Rajkot Nagrik Shakari Bank. It includes a 1-2 sentence summary of each main section, which are:
1) An overview of the bank's history dating back to 1953 and details about its growth over time with increasing deposits, advances, and profits.
2) Details of Komal Pandya's research project on creating awareness about debt instruments at the bank, including the objectives, methodology, data collection and analysis.
3) A list of the bank's main products and services offered to customers such as demand drafts, money transfers, check collection, current accounts and more.
Financial inclusion is a powerful enabler of inclusive economic growth. Studies show that access to finance and financial services empowers people in many ways -- they are better able to start and expand businesses, invest in education, manage risk, and absorb financial shocks. It also helps help reduce income inequality and thereby accelerate economic growth.
Outreach and efficiency of inclusive banking throughRAVICHANDIRANG
ย
Financial inclusion is one of the means for overall economic development of a country.The
growth of the retail banking industry fosters financial inclusion by providing financial products and
services to people in the rural areas of the country. The nationalization of prominent commercial banks has improved
the banker customer relationship.The measures taken by the Reserve Bank of India and other regulatory bodies
have strengthened the banking industry and have raised the level of confidence in the minds of the public about the
banking sector.The banking history has undergone tremendous changes in the last few decades
1) The document discusses inclusive banking and financial inclusion in Tamil Nadu through the use of technology. It outlines initiatives taken by the Reserve Bank of India and government to promote financial inclusion, including the Pradhan Mantri Jan Dhan Yojana.
2) It identifies some challenges to financial inclusion like lack of awareness, geographic spread, and lack of last mile connectivity. The use of technology like mobile banking, ATMs and business correspondents is seen as a way to overcome these challenges and promote inclusive banking.
3) The study aims to measure the outreach and efficiency of inclusive banking through technology in unreached rural areas of Tamil Nadu to further the goal of financial inclusion.
1) The document discusses inclusive banking and financial inclusion in Tamil Nadu through the use of technology. It outlines initiatives taken by the Reserve Bank of India and government to promote financial inclusion.
2) It reviews literature on challenges and issues with financial inclusion in India. Problems identified include lack of infrastructure in rural areas and lack of awareness among customers.
3) The document argues that technology is key to reaching unbanked populations and promoting efficient banking transactions. It analyzes government schemes in India like Pradhan Mantri Jan Dhan Yojana aimed at financial inclusion.
In the age of competition banking industry is facing increasing competition form not only private banks and International markets. The assumption is made or it is expected that the operational structure of banking in India will be changed in the near future due to the emergence of new private banks. The private banks are more enriched and diversified in spreading the wholesale as well as retail banking. The speedy expansion and diversification of private sector banks has led new challenges in front of the banking sector. Banking sector is coming with new strategies and policies to cope with the changing environment to face the competition. The existing banks getting the benefits of their wide branch network and geographic spread whereas new emerging private banks have the massive capital, lean personnel components expertise to develop financial product and use of state of the act technology. It has become very difficult to maintain balance between efficiency and stability as the banking institutions are increasing in present corporate environment.Banking institutions becoming complex under the impact of deregulation, innovation and technological up gradation. During the last 30years, since nationalisation tremendous changes have been seen in the financial markets as well as in the banking industry due to the financial sector reform. Now the banks are not more functioning on their traditional functions but they are innovating improving and coming out with the new types of services to full fit the emerging need of their customers. This paper explains the developments in the banking sector, significance of banking sector, new reforms, challenges faced by banking sector.
In the age of competition banking industry is facing increasing competition form
not only private banks and International markets. The assumption is made or it is
expected that the operational structure of banking in India will be changed in the
near future due to the emergence of new private banks. The private banks are
more enriched and diversified in spreading the wholesale as well as retail
banking. The speedy expansion and diversification of private sector banks has led
new challenges in front of the banking sector. Banking sector is coming with new
strategies and policies to cope with the changing environment to face the
competition. The existing banks getting the benefits of their wide branch network
and geographic spread whereas new emerging private banks have the massive
capital, lean personnel components expertise to develop financial product and use
of state of the act technology. It has become very difficult to maintain balance
between efficiency and stability as the banking institutions are increasing in
present corporate environment.Banking institutions becoming complex under the
impact of deregulation, innovation and technological up gradation. During the
last 30years, since nationalisation tremendous changes have been seen in the
financial markets as well as in the banking industry due to the financial sector
reform. Now the banks are not more functioning on their traditional functions but they are innovating improving and coming out with the new types of services to
full fit the emerging need of their customers. This paper explains the
developments in the banking sector, significance of banking sector, new reforms,
challenges faced by banking sector.
CUSTOMER SATISFACTION AND AWARNESS ON PUBLIC SECTOR BANK SECTORS IN TIRUCHIRA...IAEME Publication
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Public sector banks are essential to the Indian banking sector. Delivering highquality services is a requirement for winning over customers, and they can only keep them by satisfying their needs. The first accomplishment of the public service provider is to continue operating in the market despite a fiercely competitive environment and numerous formidable rivals. Therefore, Public Sector Banks must focus on growing their client base in order to support their operations and succeed via them by providing real, sincere, and exceptional services. This study examines consumer awareness of and satisfaction with Tiruchirappalli City's public sector banking services. Based on the number of branches, State Bank of India, CanaraBank, Indian Overseas Bank, and Indian Bank were chosen for this study out of a total of 12 public sector banks. It uses a descriptive research approach. For this study, 150 participants were chosen using a proportionate sample technique. Five service quality dimensionsโtangibility, assurance, reliability, responsiveness, and empathyโare measured in order to make this study effective. This study makes use of both primary (questionnaire) and secondary data. The acquired data were analysed using a number of statistical methods, including percentage analysis, chi-square test, weighted average method, and sign test. According to the study's findings, there is no statistically significant difference between the overall mean and each individual mean of the statements regarding the degree of satisfaction with the services offered by public sector banks in Tiruchirappalli City, and Indian Overseas Bank should focus more on the dimensions of service quality.
Study the impact of Digitization and Automation Stratagem of SBIPriyankaRawat103
ย
This document summarizes a research paper on the impact of digitization and automation at the State Bank of India from 2009 to 2019. The paper discusses the key digital payment products and services introduced by SBI over this period, including YONO, mobile banking, UPI, and debit/credit cards. It analyzes key business drivers like customer service, employee satisfaction, and security. The paper also examines the role of the banking ombudsman in resolving customer complaints and how complaint volumes at SBI have increased in recent years. The conclusion is that SBI has advanced technologically with products like YONO but still needs to reduce customer grievances.
A Study on Perception of Customers Challenges Towards Digitization in Indian ...ijtsrd
ย
The Indian banking sector has been the backbone of the economic system as it plans and implements the economic activities. Any amendment in the banking sector through the adoption of technology can have an in depth impact on associate degree economyโs growth. In the present dynamic changing scenario banks are seeking unconventional ways that to supply and differentiate amongst their various services. Due to the innovative advancement in technology the corporate and retail consumers are not any longer willing to queue in banks, or attend to the phone, for the basic banking services. They need and expect a facility to conduct their banking activities at any time and place. Plastic money Credit Cards, Debit Cards and good Cards web banking as well as electronic payment services, online investments, on line commercialism accounts, electronic fund transfer and clearing services, branch networking phone banking mobile applications and notecase are a number of the recent merchandise and services acting because the drivers to the expansion of banking sector. The present research study is analytical and based on survey method. The construct of digital banking remains evolving within the Indian banking sector and is probably going to bring numerous opportunities similarly as new risks to the elemental nature of banking in India. Hence, this paper also aims to gift the opportunities and challenges of going digital within the Indian banking sector along with some recommendations to beat these challenges. Dr. Keshav Shyam "A Study on Perception of Customers Challenges Towards Digitization in Indian Banks in Prayagraj District" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-5 , October 2023, URL: https://www.ijtsrd.com/papers/ijtsrd59995.pdf Paper Url: https://www.ijtsrd.com/management/consumer-behaviour/59995/a-study-on-perception-of-customers-challenges-towards-digitization-in-indian-banks-in-prayagraj-district/dr-keshav-shyam
Customer Satisfaction on Banking Services in Indian Growing Economy Nainital ...Dr. Amarjeet Singh
ย
Finance is the energy of every business whether it is
profit making or loss-making business and finance are
required. Economy grows with the developing people of his
country. There is no way to grow the country economy
without financial growing of his resident peoples and banking
sector play a major role to provide financial services. Banks
play a major role in the growth of the economy by providing
their services. Customer satisfaction is essential for the future
growth of both bank and country economy growth also. This
study made to determine customer satisfaction level on
banking services. This study based on primary data. Primary
data collected through questionnaire. The questionnaire
collected from 50 peoples in Kumoun region specially in
Haldwani urban area. All types of people included in sample
collection Students, Employees, Self Employees, and retired
persons. To assess customer satisfaction used the pre-tested
five points Likert's scale test. On the basis of the analysis, it is
concluded that the customer service satisfaction level of banks
is 73.80%.Key Words: Customer satisfaction, Banking
services, Overall satisfaction.
The document provides an overview of the banking industry in India. It discusses the growth of banking from the 18th century to present day. It outlines the key types of banks in India including public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. It also describes the major banking activities like retail banking, business banking, and corporate banking. Finally, it briefly discusses some recent government initiatives to promote financial inclusion through programs like Pradhan Mantri Jan Dhan Yojana and Pradhan Mantri Suraksha Bima Yojana.
Financial Inclusion A Study on Role of Commercial Banks in the State of Karna...ijtsrd
ย
Financial inclusion is the process of providing financial service for the weaker of section of the society and make sure that all the section peoples are also availing all the financial service. It emphasis on the financial systems for the development of economy. Financial inclusion increase in the saving habit of individuals which lead to the overall development of economy developing to the developed economy. Future Financial inclusion helps in the exploitation of lower section adoption of borrowing facilitates from the banks instead of money lending agency by facilitating easy access to formal credit. Hence a study is proposed to be undertaken to study how for commercial banks playing their role to include the financially excluded people in the state of Karnataka with special reference to rural areas. The samples is selected by administering Random sampling technique. The total numbers of samples are 300, the collected data are analyzed with the help of statistical tool. Dr. Muthu Kumar V | Mr. Shashi Kumar M ""Financial Inclusion- A Study on Role of Commercial Banks in the State of Karnataka (with Special Reference to Rural Areas)"" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-3 , April 2019, URL: https://www.ijtsrd.com/papers/ijtsrd21603.pdf
Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/21603/financial-inclusion--a-study-on-role-of-commercial-banks-in-the-state-of-karnataka-with-special-reference-to-rural-areas/dr-muthu-kumar-v
this presentation is based on to study the impact of Digitization and Automation stratagem with special reference to State Bank of India, collectively made by Km. Priyanka Rawat and Shubham Chugh
A STUDY OF PERFORMANCE APPRAISAL OF MAHINDRA AND MAHINDRA LTDHolly Fisher
ย
The literature review discusses the purpose of performance appraisal and reviews several studies on the topic. It highlights that performance appraisal aims to evaluate an employee's performance quality and identify areas for development. Effective appraisal systems establish clear performance goals, ensure appraisals are free from bias, and link performance to training, motivation and rewards. While some studies found that external appraisers may not accurately reflect long-term performance, other research emphasized the importance of appraiser skills and aligning appraisal procedures with organizational standards and goals. The literature review provides context around performance appraisal but does not identify specific gaps in research on Mahindra and Mahindra's performance appraisal system.
Customersโ Satisfaction on E Banking Services in Indian Banking Sectorsijtsrd
ย
Internet Banking is about using the infrastructure for digital age to create opportunities, both in local and global market. The purpose of this research is to understand the impact of service quality factors of Internet Banking on customer satisfaction in Indore district. Banks play a major role in all the economic and financial activities in modern society E banking is the application of electronic means in interaction between bankers and customer, and bankers and businesses, as well as in internal banking operations, to simplify and progress the banking services. Today, approximately all banks have adopted ICT as a mean of improving the service quality of banking servicesThis paper examines the customer satisfaction on the Electronic Banking Services of Public Sector and Private Sector Banks in Indore district. The sample size of the study is 80 the data is gathered from the primary information. For the purpose of analysis, the customerโs satisfaction in both banks has been assessed in seven dimensions based on the suggestions. Reliability, Accessibility, User friendliness, Privacy Security, Efficiency, Responsiveness and Fulfilment. ANOVA test were applied to test the hypotheses. Dr. Kamaljeet Bhatia "Customersโ Satisfaction on E-Banking Services in Indian Banking Sectors" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45231.pdf Paper URL: https://www.ijtsrd.com/management/other/45231/customersโ-satisfaction-on-ebanking-services-in-indian-banking-sectors/dr-kamaljeet-bhatia
Current trends in banking sector (2015) EditionIsha Desai
ย
The document discusses current trends in the Indian banking sector. It outlines that banks play an important role in capital formation by mobilizing savings and channeling them into productive investment. It then discusses trends in key sectors such as industry, small businesses, agriculture, e-commerce, and foreign exchange. Recent union budgets have increased caps on foreign investment and recapitalized public sector banks. The Reserve Bank of India helps implement monetary policy and focus development in different sectors. Overall, the banking sector is growing and adapting to increasing technology and customer needs.
This document is a minor project report submitted by a student on the emergence of private sector banks in India. It includes an introduction, objectives, importance of the study, literature review, profiles of companies and the banking industry. It discusses the growth of private banks in providing services like ATMs and online banking. The report finds that private banks have increased financial access, promoted economic growth, and improved standards of living in India.
Study to Identify the Retail Penetration Level of Debit or Credit Cards in Ru...Sravani Tallapureddy
ย
The document discusses a study on analyzing the level of penetration of debit and credit cards in rural areas of India. The objectives are to examine digital banking services in rural areas, understand customer awareness of credit cards, and analyze the benefits of debit/credit cards. The methodology involves surveys using questionnaires of bank customers in rural regions. The findings show that while most respondents are aware of digital banking, many still rely on cash transactions due to lack of internet access. The document provides suggestions to increase card usage and digital banking adoption in rural communities.
Role of banks in financial inclusion of solapur districtShivaji Shinde
ย
This document discusses the role of banks in promoting financial inclusion in Solapur District of Maharashtra, India. It provides background on various government initiatives and policies to promote financial inclusion. It also discusses specific measures taken by the Reserve Bank of India to improve credit access for poorer sections. The document contains detailed data and graphs analyzing the branch networks and loan portfolios of different banks in Solapur District from 2007-2012. It shows which banks have the highest deposits, advances, priority sector lending and in specific sectors like agriculture. It also provides taluka-wise analyses of the top 5 banks in each taluka for the period of 2011-2012.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
ย
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
IMPACT OF MOBILE BANKING ON CUSTOMERโS SATISFACTION IN TIRUCHIRAPPALLI TOWNPARAMASIVANCHELLIAH
ย
- The document analyzes the impact of mobile banking on customer satisfaction in Tiruchirappalli, India through a survey of 121 respondents.
- It finds that the main purposes for using mobile banking were to transfer money (57%) and check account balances (16.5%).
- The study aims to understand customer satisfaction levels with mobile banking and problems faced, in order to help banks improve their services.
This document discusses the use of big data in marketing and consumer behavior. It defines big data and outlines its uses in marketing, including targeted advertising, customer segmentation, pricing optimization, and social media analysis. It also describes different types of big data useful for marketers, such as behavioral, transactional, and demographic data. The document then discusses techniques for collecting big data and applications in e-marketing, including personalization, targeted advertising, predictive analytics, and website optimization. Finally, it reviews several relevant literature sources on big data applications in marketing and consumer behavior.
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1) The document discusses inclusive banking and financial inclusion in Tamil Nadu through the use of technology. It outlines initiatives taken by the Reserve Bank of India and government to promote financial inclusion, including the Pradhan Mantri Jan Dhan Yojana.
2) It identifies some challenges to financial inclusion like lack of awareness, geographic spread, and lack of last mile connectivity. The use of technology like mobile banking, ATMs and business correspondents is seen as a way to overcome these challenges and promote inclusive banking.
3) The study aims to measure the outreach and efficiency of inclusive banking through technology in unreached rural areas of Tamil Nadu to further the goal of financial inclusion.
1) The document discusses inclusive banking and financial inclusion in Tamil Nadu through the use of technology. It outlines initiatives taken by the Reserve Bank of India and government to promote financial inclusion.
2) It reviews literature on challenges and issues with financial inclusion in India. Problems identified include lack of infrastructure in rural areas and lack of awareness among customers.
3) The document argues that technology is key to reaching unbanked populations and promoting efficient banking transactions. It analyzes government schemes in India like Pradhan Mantri Jan Dhan Yojana aimed at financial inclusion.
In the age of competition banking industry is facing increasing competition form not only private banks and International markets. The assumption is made or it is expected that the operational structure of banking in India will be changed in the near future due to the emergence of new private banks. The private banks are more enriched and diversified in spreading the wholesale as well as retail banking. The speedy expansion and diversification of private sector banks has led new challenges in front of the banking sector. Banking sector is coming with new strategies and policies to cope with the changing environment to face the competition. The existing banks getting the benefits of their wide branch network and geographic spread whereas new emerging private banks have the massive capital, lean personnel components expertise to develop financial product and use of state of the act technology. It has become very difficult to maintain balance between efficiency and stability as the banking institutions are increasing in present corporate environment.Banking institutions becoming complex under the impact of deregulation, innovation and technological up gradation. During the last 30years, since nationalisation tremendous changes have been seen in the financial markets as well as in the banking industry due to the financial sector reform. Now the banks are not more functioning on their traditional functions but they are innovating improving and coming out with the new types of services to full fit the emerging need of their customers. This paper explains the developments in the banking sector, significance of banking sector, new reforms, challenges faced by banking sector.
In the age of competition banking industry is facing increasing competition form
not only private banks and International markets. The assumption is made or it is
expected that the operational structure of banking in India will be changed in the
near future due to the emergence of new private banks. The private banks are
more enriched and diversified in spreading the wholesale as well as retail
banking. The speedy expansion and diversification of private sector banks has led
new challenges in front of the banking sector. Banking sector is coming with new
strategies and policies to cope with the changing environment to face the
competition. The existing banks getting the benefits of their wide branch network
and geographic spread whereas new emerging private banks have the massive
capital, lean personnel components expertise to develop financial product and use
of state of the act technology. It has become very difficult to maintain balance
between efficiency and stability as the banking institutions are increasing in
present corporate environment.Banking institutions becoming complex under the
impact of deregulation, innovation and technological up gradation. During the
last 30years, since nationalisation tremendous changes have been seen in the
financial markets as well as in the banking industry due to the financial sector
reform. Now the banks are not more functioning on their traditional functions but they are innovating improving and coming out with the new types of services to
full fit the emerging need of their customers. This paper explains the
developments in the banking sector, significance of banking sector, new reforms,
challenges faced by banking sector.
CUSTOMER SATISFACTION AND AWARNESS ON PUBLIC SECTOR BANK SECTORS IN TIRUCHIRA...IAEME Publication
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Public sector banks are essential to the Indian banking sector. Delivering highquality services is a requirement for winning over customers, and they can only keep them by satisfying their needs. The first accomplishment of the public service provider is to continue operating in the market despite a fiercely competitive environment and numerous formidable rivals. Therefore, Public Sector Banks must focus on growing their client base in order to support their operations and succeed via them by providing real, sincere, and exceptional services. This study examines consumer awareness of and satisfaction with Tiruchirappalli City's public sector banking services. Based on the number of branches, State Bank of India, CanaraBank, Indian Overseas Bank, and Indian Bank were chosen for this study out of a total of 12 public sector banks. It uses a descriptive research approach. For this study, 150 participants were chosen using a proportionate sample technique. Five service quality dimensionsโtangibility, assurance, reliability, responsiveness, and empathyโare measured in order to make this study effective. This study makes use of both primary (questionnaire) and secondary data. The acquired data were analysed using a number of statistical methods, including percentage analysis, chi-square test, weighted average method, and sign test. According to the study's findings, there is no statistically significant difference between the overall mean and each individual mean of the statements regarding the degree of satisfaction with the services offered by public sector banks in Tiruchirappalli City, and Indian Overseas Bank should focus more on the dimensions of service quality.
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This document summarizes a research paper on the impact of digitization and automation at the State Bank of India from 2009 to 2019. The paper discusses the key digital payment products and services introduced by SBI over this period, including YONO, mobile banking, UPI, and debit/credit cards. It analyzes key business drivers like customer service, employee satisfaction, and security. The paper also examines the role of the banking ombudsman in resolving customer complaints and how complaint volumes at SBI have increased in recent years. The conclusion is that SBI has advanced technologically with products like YONO but still needs to reduce customer grievances.
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Customer Satisfaction on Banking Services in Indian Growing Economy Nainital ...Dr. Amarjeet Singh
ย
Finance is the energy of every business whether it is
profit making or loss-making business and finance are
required. Economy grows with the developing people of his
country. There is no way to grow the country economy
without financial growing of his resident peoples and banking
sector play a major role to provide financial services. Banks
play a major role in the growth of the economy by providing
their services. Customer satisfaction is essential for the future
growth of both bank and country economy growth also. This
study made to determine customer satisfaction level on
banking services. This study based on primary data. Primary
data collected through questionnaire. The questionnaire
collected from 50 peoples in Kumoun region specially in
Haldwani urban area. All types of people included in sample
collection Students, Employees, Self Employees, and retired
persons. To assess customer satisfaction used the pre-tested
five points Likert's scale test. On the basis of the analysis, it is
concluded that the customer service satisfaction level of banks
is 73.80%.Key Words: Customer satisfaction, Banking
services, Overall satisfaction.
The document provides an overview of the banking industry in India. It discusses the growth of banking from the 18th century to present day. It outlines the key types of banks in India including public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. It also describes the major banking activities like retail banking, business banking, and corporate banking. Finally, it briefly discusses some recent government initiatives to promote financial inclusion through programs like Pradhan Mantri Jan Dhan Yojana and Pradhan Mantri Suraksha Bima Yojana.
Financial Inclusion A Study on Role of Commercial Banks in the State of Karna...ijtsrd
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Financial inclusion is the process of providing financial service for the weaker of section of the society and make sure that all the section peoples are also availing all the financial service. It emphasis on the financial systems for the development of economy. Financial inclusion increase in the saving habit of individuals which lead to the overall development of economy developing to the developed economy. Future Financial inclusion helps in the exploitation of lower section adoption of borrowing facilitates from the banks instead of money lending agency by facilitating easy access to formal credit. Hence a study is proposed to be undertaken to study how for commercial banks playing their role to include the financially excluded people in the state of Karnataka with special reference to rural areas. The samples is selected by administering Random sampling technique. The total numbers of samples are 300, the collected data are analyzed with the help of statistical tool. Dr. Muthu Kumar V | Mr. Shashi Kumar M ""Financial Inclusion- A Study on Role of Commercial Banks in the State of Karnataka (with Special Reference to Rural Areas)"" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-3 , April 2019, URL: https://www.ijtsrd.com/papers/ijtsrd21603.pdf
Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/21603/financial-inclusion--a-study-on-role-of-commercial-banks-in-the-state-of-karnataka-with-special-reference-to-rural-areas/dr-muthu-kumar-v
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Customersโ Satisfaction on E Banking Services in Indian Banking Sectorsijtsrd
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Internet Banking is about using the infrastructure for digital age to create opportunities, both in local and global market. The purpose of this research is to understand the impact of service quality factors of Internet Banking on customer satisfaction in Indore district. Banks play a major role in all the economic and financial activities in modern society E banking is the application of electronic means in interaction between bankers and customer, and bankers and businesses, as well as in internal banking operations, to simplify and progress the banking services. Today, approximately all banks have adopted ICT as a mean of improving the service quality of banking servicesThis paper examines the customer satisfaction on the Electronic Banking Services of Public Sector and Private Sector Banks in Indore district. The sample size of the study is 80 the data is gathered from the primary information. For the purpose of analysis, the customerโs satisfaction in both banks has been assessed in seven dimensions based on the suggestions. Reliability, Accessibility, User friendliness, Privacy Security, Efficiency, Responsiveness and Fulfilment. ANOVA test were applied to test the hypotheses. Dr. Kamaljeet Bhatia "Customersโ Satisfaction on E-Banking Services in Indian Banking Sectors" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45231.pdf Paper URL: https://www.ijtsrd.com/management/other/45231/customersโ-satisfaction-on-ebanking-services-in-indian-banking-sectors/dr-kamaljeet-bhatia
Current trends in banking sector (2015) EditionIsha Desai
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The document discusses current trends in the Indian banking sector. It outlines that banks play an important role in capital formation by mobilizing savings and channeling them into productive investment. It then discusses trends in key sectors such as industry, small businesses, agriculture, e-commerce, and foreign exchange. Recent union budgets have increased caps on foreign investment and recapitalized public sector banks. The Reserve Bank of India helps implement monetary policy and focus development in different sectors. Overall, the banking sector is growing and adapting to increasing technology and customer needs.
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The document discusses a study on analyzing the level of penetration of debit and credit cards in rural areas of India. The objectives are to examine digital banking services in rural areas, understand customer awareness of credit cards, and analyze the benefits of debit/credit cards. The methodology involves surveys using questionnaires of bank customers in rural regions. The findings show that while most respondents are aware of digital banking, many still rely on cash transactions due to lack of internet access. The document provides suggestions to increase card usage and digital banking adoption in rural communities.
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This document discusses the role of banks in promoting financial inclusion in Solapur District of Maharashtra, India. It provides background on various government initiatives and policies to promote financial inclusion. It also discusses specific measures taken by the Reserve Bank of India to improve credit access for poorer sections. The document contains detailed data and graphs analyzing the branch networks and loan portfolios of different banks in Solapur District from 2007-2012. It shows which banks have the highest deposits, advances, priority sector lending and in specific sectors like agriculture. It also provides taluka-wise analyses of the top 5 banks in each taluka for the period of 2011-2012.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
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A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
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Chapter 2
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Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
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Chapter 4
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Chapter 5
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Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
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AN OVERVIEW OF BRANCHES AND ATMS OF COMMERCIAL BANKS IN INDIA
1. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 44
AN OVERVIEW OF BRANCHES AND ATMS OF COMMERCIAL BANKS IN INDIA
Dr.C.PARAMASIVAN Assistant Professor of Commerce
G. RAVICHANDIRAN Ph.D. Full Time Research Scholar
PG & Research Department of Commerce Thanthai Periyar Government Arts and Science College
(Autonomous) Tiruchirappalli - 620023.
ABSTRACT
Banking sector play a key role in economic development of the nation which help to accelerate
money from one place to other and also facilitate industrial and rural development in the regional places.
The banking sector worldwide is becoming more determined strategically besides making enormous
advancement in technology. This is helping them to meet customer expectations while also defending
market share against growing competition. Customers taste and demands are changing frequently due to
technological development. The banks were finding it difficult to participate with the international banks
in terms of the customer service without the use of the information technology and computers. The use of
the modern innovation and computerization of the banking sector of India has increased many folds after
the economic liberalization of 1991 as the country's banking sector has been visible to the world's market.
This paper made an attempt to explore an overview of branches and ATM of commercial banks in India
KEYWORDS: Banking sector, economic liberalization, customer expectations, rural development, on
site and off site ATM, Innovative practices.
INTRODUCTION
The worldwide banking sector is becoming both more intentionally determined and
technologically superior to respond to consumer expectations while trying to protect market share against
an increasing arrangement of competitors. A great deal of prominence is being placed on digitizing core
business processes and reassessing organizational structures and internal talent to be better prepared for
the future of banking. Business innovation practices are unavoidable in banking industry due to
technological development and global competition. Introduction of new and appropriate services will
attract the customers which will help to retain and sustain in the markets. The pace of development for the
Indian banking industry has been incredible over the past era and the future growth of Indiaโs banking
sector will remain high. Indiaโs financial services sector will enjoy generally strong growth during coming
years, determined by rising personal incomes, corporate restructuring, financial sector liberalization and
the growth of a more consumer-oriented, credit-oriented culture. Therefore every commercial bank
attempts to implement innovative services, process and methods to establish themselves as a consistent
competitor industry. But due to certain constrains, commercial banks particularly public sector banks fail
to introduce innovation in practice. With this aspect there is a need of understanding branches and ATMs
of the banking sector in India.
REVIEW OF LITERATURE
Gunaseelan.S., & Kalaiselvi.K. (2021). Commercial bank branch and its importance at this
economic juncture from reviewing previous studies, commercial banks and national inflations and the real
growth of .The authors have revealed that commercial banks are playing the important role in the financial
inclusion are obviously understood by the authors.
Deshmukh.M.S., & Rupesh Pawar. (2016). The scheduled commercial banks play a very
important role in the growth and development of the economy. It provides finance and credit to rural
people by opening branches in backward areas.
2. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 45
Chhemanand Joshi. (2019). In Nepalese context location of ATM has higher relationship with
customer satisfaction. Availability of cash has highest impact on customer satisfaction. The rapid growth
in use of ATMs in Nepal provides opportunities to the banks in innovative service for strategic advantage.
Jathurika.M. (2018). This research has been completed with the two important objectives that are
to identify the impact of branches nationwide on performance of listed commercial banks in Sri Lanka
and to identify the relationship between the branches nationwide and the performance.
Nyi Lwin. (2019). Revealed that the service quality determinant is not a better instrument to
measure service quality for Private Commercial Banks. Customers have higher satisfactions than what
they experience from Private Commercial Banks even though the difference is not significant.
Gabriel Asante-Gyabaah., & et al. (2015). the impact of the ATM in delivering service in the
banking industry in Ghana. The study provided some evidence that the ATM has now been accepted by
customers in the industry as it has gained a positive impact on service delivery to customers.
Wondwssen Anberbir Demisse., & Uma Devi.M. (2021). the efficacy of ATM service in the
banking service case of the Ethiopian Commercial Bank Bale Goba branch. The study's target
demographic is customers of the Ethiopian Commercial Bank's Bale Goba branch, with an emphasis on
the bank's 1400 ATM users.
Jean Bosco Hareliman. (2018). Automated teller machines (ATM) and profitability of
commercial bank was conducted in this paper under a period from 2010 to 2016 with the aim of assessing
the use of ATM and its contribution to the profitability in bank of Kigali.
Baktiar Mahmud., & et. al. (2015). Automated Teller Machine (ATM) is perceived to offer
considerable benefits and challenges both to the banks and their customers, yet these are rarely empirically
investigated. The study was conducted in purposively selected eight ATM location points of four banks
in Dhaka City, Bangladesh.
Emeka E. Okafor., & Favour N. Ezeani. (2012). The study has provided significant and
empirical insights into the access, utilization, benefits and challenges of the ATM by bank customers in
Ibadan metropolis. It is important to note that most of the people using the machine are young person.
Table No-1 : Year Wise Branches of Public Sector Banks
Sl.No Years
Branches
CAGR
Rural
Semi-
Urban
Urban Metropolitan Total
1 2010-11 20,387 15,978 13,569 12,277 62,211
3.52%
2 2011-12 22,188 17,773 14,248 13,257 67,466
3 2012-13 24,124 19,554 15,080 13,903 72,661
4 2013-14 25,356 20,108 16,200 14,001 75,665
5 2014-15 26,350 21,623 16,800 15,453 80,226
6 2015-16 27,736 24,306 17,250 17,230 86,522
7 2016-17 29,033 25,647 17,890 18,875 91,445
8 2017-18 29,201 25,397 17,677 18,546 90,821
9 2018-19 28,800 24,599 16,975 17,486 87,860
10 2019-20 28,921 24,586 17,030 17,355 87,892
Source: Consolidated Annual Reports of RBI
Table No-1 Indicates that year wise branches of Public Sector Banks in India. In the year of 2010-
11, there are 62211 branches of Public Sector Banks of which 20387 branches were located in Rural,
15978 branches in Semi Urban, 13569 branches in Urban and 12277 branches in Metropolitan were
located, in 2019-20, there are 87892 branches of Public Sector Banks of which 28921 branches were
located in Rural, 24586 branches in Semi Urban, 17030 branches in Urban and 17355 branches in
3. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 46
Metropolitan were located. Compound Annual Growth Rate of year wise branches of Public Sector Banks
indicates 3.52 per cent during the year 2010-11 to 2019-20.
Chart No-1 : Year Wise Branches of Public Sector Banks
Table No-2 : Branches of Public Sector Banks โ 2019-20
Sl.
No
Name of the Bank
Branches
Rural Semi-urban Urban Metropolitan
Total
Number % Number % Number % Number %
1 Allahabad Bank 1,198 37.77 753 23.74 631 19.89 590 18.60 3,172
2 Andhra Bank 735 25.57 759 26.91 668 23.24 712 24.77 2,874
3 Bank of Baroda 2,933 30.93 2,520 26.58 1,864 19.66 2,165 22.83 9,482
4 Bank of India 1,836 36.54 1,455 28.96 802 15.96 931 18.53 5,024
5 Bank of Maharashtra 615 33.55 429 23.40 331 18.06 458 24.99 1,833
6 Canara Bank 1,824 38.53 2,002 42.29 1,231 26.00 1,272 19.96 6,329
7 Central Bank of India 1,606 34.53 1,336 28.72 819 17.61 890 19.13 4,651
8 Corporation Bank 589 24.22 793 32.61 519 21.34 531 21.83 2,432
9 Indian Bank 741 26.17 835 29.49 627 22.15 628 22.18 2,831
10 Indian Overseas Bank 909 27.93 960 29.50 671 20.62 714 21.94 3,254
11 Oriental Bank of Commerce 559 23.59 625 26.37 602 25.40 584 24.64 2,370
12 Punjab and Sind Bank 569 37.29 278 18.18 355 23.26 324 21.23 1,526
13 Punjab National Bank 2,585 39.39 1,720 26.21 1,211 18.45 1,046 15.94 6,562
14 State Bank of India 7,864 35.53 6,444 29.12 3,949 17.84 3,875 17.51 22,132
15 Syndicate Bank 1,256 30.90 1,157 28.47 821 20.20 830 20.42 4,064
16 UCO Bank 1,075 34.98 818 26.62 610 19.85 570 18.55 3,073
17 Union Bank of India 1,246 29.10 1,297 30.30 849 19.83 889 20.77 4,281
18 United Bank of India 781 39.01 405 20.23 470 23.48 346 17.28 2,002
Total 28,921 32.90 24,586 27.97 17,030 19.38 17,355 19.75 87,892
Sources: Report of TPBII 2019-20.
Table No-2 Indicates that Branches of Public Sector Banks in India. As regards Allahabad Banks,
there are 3172 branches as on 2019-20, of which 1198(37.77%) branches in Rural area, 753(23.74%)
branches in Semi Urban area, 631(19.89%) branches in Urban area and 590(18.60%) branches in
Metropolitan area as on 2019-20, on the whole, there are 87892 branches of Public Sector Banks in 2019-
20, of which 28921(32.90%) branches in Rural area, 24586(27.97%) branches Semi Urban area,
17030(19.38%) branches in Urban area and 17355(19.75%) branches in Metropolitan area as on 2019-20.
Chart No-2 : Branches of Public Sector Banks-2019-20
8%
8%
9%
10%
10%
11%
11%
11%
11%
11%
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
4. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 47
Table No-3 : Year Wise ATMs of Public Sector Banks
Sl.No Years
ATMs
CAGR
On-site Off-site Total
1 2010-11 29,795 9,692 39,487
10.53%
2 2011-12 34,012 24,181 58,193
3 2012-13 40,241 29,411 69,652
4 2013-14 51,230 30,390 81,620
5 2014-15 58,460 40,200 98,660
6 2015-16 67,360 51,723 1,19,083
7 2016-17 86,545 62,010 1,48,555
8 2017-18 83,259 61,839 1,45,098
9 2018-19 78,419 57,679 1,36,098
10 2019-20 78,484 56,379 1,34,863
Source: Consolidated Annual Reports of RBI
Table No-3, Indicates that year wise ATMs of Public Sector Banks in India. In the year 2010-11,
there are 39487 ATMs of Public Sector Banks, of which 29795 are in on-site and 9692 are in off-site, In
the year 2019-20, there are 134863 ATMs of Public Sector Banks, of which 78484 are in on-site and
56379 are in off-site. Compound Annual Growth Rate of year wise ATMs of Public Sector Banks indicates
10.53 per cent during the year 2010-11 to 2019-20.
Chart No-3 : Year Wise ATMs of Public Sector Banks
3,1722,874
9,482
5,024
1,833
6,329
4,651
2,4322,8313,2542,3701,526
6,562
22,132
4,0643,073
4,281
2,002
0
5,000
10,000
15,000
20,000
25,000
Total
5. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 48
Table No-6 ; ATMโs of Commercial Banks โ 2019-20
Sl.
No
Name of the
Bank
Metro Centres Urban Centres
Semi-Urban
Centres
Rural Centres
Total
Number % Number % Number % Number %
1 Public Sector
Banks
29784 21.72 39725 28.97 39349 28.70 28255 20.61 137113
2 Private Sector
Banks
29445 40.13 19169 26.13 18543 25.27 6212 8.47 73369
3 Foreign Banks 645 75.88 162 19.06 19 2.24 24 2.82 850
4 Payment Banks 35 31.25 28 25 28 25 21 18.75 112
5 Small Finance
Banks
574 26.94 651 30.55 665 31.21 241 11.31 2131
Total 60,483 28.32 59,735 27.97 58,604 27.44 34,753 16.27 2,13,575
Source: Report of TPBII 2019-20
Table No-6 Indicates that ATMโs of Commercial Banks in India, there are 2,13,575 ATMs owned
by the Commercial Banks in the Country of which 60483(28.32%) ATMs in Metro Centres,
59735(27.97%) ATMs in Urban Centres, 58604(27.44%) ATMs in Semi Urban Centres, 34753(16.27%)
ATMs in Rural Centres, there are 2131 ATMs owned by the Small Finance Banks in the Country of which
574(26.94%) ATMs in Metro Centres, 651(30.55%) ATMs in Urban Centres, 665(31.21%) ATMs in Semi
Urban Centres, 241(11.31%) ATMs in Rural Centres as on 2019-20.
Table No-7 : ATMs of Public Sector Banks โ Bank Wise
Sl.
No
Name of the Bank
ATMs
Total
On-site Off-site
Number % Number %
1 Allahabad Bank 869 90.24 94 9.76 963
2 Andhra Bank 3,027 79.80 766 20.20 3,793
3 Bank of Baroda 9,354 70.90 3,839 29.10 13,193
4 Bank of India 2,413 41.97 3,337 58.03 5,750
5 Bank of Maharashtra 1,381 71.70 545 28.30 1,926
6 Canara Bank 4,734 53.97 4,038 46.03 8,772
7 Central Bank of India 2,752 75.56 890 24.44 3,642
4%
6%
7%
8%
10%
11%
14%
14%
13%
13%
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
6. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
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Vol: XXIV, No. : 1(XXII), 2022 49
8 Corporation Bank 2,267 86.43 356 13.57 2,623
9 Indian Bank 3,359 82.75 700 17.25 4,059
10 Indian Overseas Bank 2,678 88.32 354 11.68 3,032
11 Oriental Bank of Commerce 2,340 89.59 272 10.41 2,612
12 Punjab and Sind Bank 1,024 97.15 30 2.85 1,054
13 Punjab National Bank 5,430 59.23 3,738 40.77 9,168
14 State Bank of India 25,634 43.78 32,921 56.22 58,555
15 Syndicate Bank 4,172 91.23 401 8.77 4,573
16 UCO Bank 2,050 91.68 186 8.32 2,236
17 Union Bank of India 3,979 57.71 2,916 42.29 6,895
18 United Bank of India 1,021 50.62 996 49.38 2,017
Total 78,484 58.20 56,379 41.80 1,34,863
Sources: Consolidated Annual Report of RBI.
Table No - 7 Indicates that ATMs of Public Sector Banks โ Bank Wise in India, Allahabad Bank
have 963 ATMs, of which 869(90.24%) ATMs in on-site and 94(9.76%) ATMs in off-site, Union Bank
of India have 6895 ATMs, of which 3979(57.71%) ATMs in on-site and 2916(42.29%) ATMs in off-site,
United Bank of India have 2017 ATMs, of which 1021(50.62%) ATMs in on-site and 996(49.38%) ATMs
in off-site
Chart No-5 : ATMs of Public Sector Banks-Bank Wise
Table No-11 : Year Wise Branches of Private Sector Banks
Sl.No Years
Branches
CAGR
Rural
Semi-
Urban
Urban Metropolitan Total
1 2010-11 1,311 3,814 3,315 3,162 11,602
11.61%
2 2011-12 1,581 4,687 3,569 3,615 13,452
3 2012-13 2,361 5,445 3,882 3,881 15,569
4 2013-14 2,851 6,286 4,026 4,200 17,363
5 2014-15 3,123 6,967 4,510 4,651 19,251
6 2015-16 3,850 7,396 4,986 5,300 21,532
7 2016-17 4,822 7,803 5,158 6,878 24,661
8 2017-18 6,160 9,242 5,926 7,477 28,805
9 2018-19 6,836 10,306 6,760 8,473 32,375
10 2019-20 7,232 10,990 7,336 9,236 34,794
963 3,793
13,193
5,750
1,926
8,772
3,6422,6234,0593,0322,6121,054
9,168
58,555
4,5732,236
6,895
2,017
0
10000
20000
30000
40000
50000
60000
70000
7. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 50
Source: Consolidated Annual Reports of RBI
Table No-11 Indicates that year wise branches of Private Sector Banks in India. In the year of
2010-11, there are 11602 branches of Private Sector Banks of which 1311 branches were located in Rural,
3814 branches in Semi Urban, 3315 branches in Urban and 3162 branches in Metropolitan were located,
In the year of 2019-20, there are 34794 branches of Private Sector Banks of which 7232 branches were
located in Rural, 10990 branches in Semi Urban, 7336 branches in Urban and 9236 branches in
Metropolitan were located. Compound Annual Growth Rate of year wise branches of Private Sector Banks
indicates 11.61 per cent during the year 2010-11 to 2019-20.
Chart No-6 : Year Wise Branches of Private Sector Banks
Table No-12 : Branches of Private Sector Banks
Sl.
No
Name of the Bank
Branches
Rural Semi-urban Urban Metropolitan
Total
Number % Number % Number % Number %
1 Axis Bank Limited 744 16.14 1,392 30.20 1,074 23.30 1,399 30.35 4,609
2 Bandhan Bank Limited 1,569 34.45 1,645 36.11 879 19.30 462 10.14 4,555
3 City Union Bank Limited 103 15.17 271 39.91 137 20.18 168 24.74 679
4 CSB Bank Limited 37 8.94 223 53.86 87 21.01 67 16.18 414
5 DCB Bank Limited 66 19.64 86 25.60 82 24.40 102 30.36 336
6 Dhanalakshmi Bank Limited 20 8.10 106 42.91 63 25.51 58 23.48 247
7 Federal Bank Limited 158 12.38 689 54.00 226 17.71 203 15.91 1,276
8 HDFC Bank Ltd. 1,009 19.22 1,639 31.22 1,061 20.21 1,541 29.35 5,250
9 ICICI Bank Limited 1,099 20.75 1,546 29.19 1,067 20.14 1,585 29.92 5,297
10 IDBI Bank Limited 407 21.57 586 31.05 466 24.70 428 22.68 1,887
11 IDFC First Bank Limited 43 7.23 113 18.99 167 28.07 272 45.71 595
12 IndusInd Bank Ltd. 287 16.29 418 23.72 480 27.24 577 32.75 1,762
13 Jammu & Kashmir Bank Ltd. 503 52.89 172 18.09 107 11.25 169 17.77 951
14 Karnataka Bank Limited 187 22.05 200 23.58 226 26.65 235 27.71 848
15 Karur Vysya bank Ltd. 133 16.26 300 36.67 160 19.56 225 27.51 818
16 Kotak Mahindra Bank Ltd. 253 15.81 293 18.31 341 21.33 713 44.56 1,600
17 Lakshmi Vilas Bank Ltd. 108 19.12 177 31.33 124 21.95 156 27.61 565
18 Nainital Bank Ltd. 38 27.14 32 22.86 38 27.14 32 22.86 140
19 RBL Bank Ltd. 57 14.77 76 19.69 57 14.77 196 50.78 386
20 South Indian Bank Ltd. 110 11.76 466 49.84 170 18.18 189 20.21 935
21 Tamilnad Mercantile Bank Ltd. 106 20.83 247 48.53 80 15.72 76 14.93 509
22 Yes Bank Ltd. 195 17.18 313 27.58 244 21.50 383 33.74 1,135
Total 7,232 20.79 10,990 31.59 7,336 21.08 9,236 26.54 34,794
Sources: Consolidated Annual Report of RBI.
5%
6%
7%
8%
9%
10%
11%
13%
15%
16%
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
8. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
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Vol: XXIV, No. : 1(XXII), 2022 51
Table No - 12 Indicates that Branches of Private Sector Banks in India. As regards Axis Bank
Limited, there are 4609 branches as on 2019-20, of which 744(16.14%) branches in Rural area,
1392(30.20%) branches in Semi Urban area, 1074(23.30%) branches in Urban area and 1399(30.35%)
branches in Metropolitan area as on 2019-20, On the whole, there are 34794 branches of Private Sector
Banks in 2019-20, of which 7232(20.79%) branches in Rural area, 10990(31.59%) branches in Semi
Urban area, 7336(21.08%) branches in Urban area and 9236(26.54%) branches in Metropolitan area as on
2019-20.
Chart No-7 : Branches of Private Sector Banks
Table No-13 : Year Wise ATMs of Private Sector Banks
Sl.No Years
ATMs
CAGR
On-site Off-site Total
1 2010-11 10,648 13,003 23,651
11.94%
2 2011-12 13,249 22,830 36,079
3 2012-13 15,236 27,865 43,101
4 2013-14 16,360 28,300 44,660
5 2014-15 18,630 29,697 48,327
6 2015-16 20,986 32,320 53,306
7 2016-17 23,045 35,788 58,833
8 2017-18 23,564 35,601 59,165
9 2018-19 26,197 37,143 63,340
10 2019-20 32,690 40,362 73,052
Source: Consolidated Annual Reports of RBI
Table No-13 Indicates that year wise ATMs of Private Sector Banks 2019-20, In the year 2010-
11, there are 23651 ATMs of Private Sector Banks, of which 10648 are in on-site and 13003 are in off-
site, In the year 2011-12, In the year 2019-20, there are 73052 ATMs of Private Sector Banks, of which
32690 are in on-site and 40362 are in off-site. Compound Annual Growth Rate of year wise ATMs of
Private Sector Banks indicates 11.52 per cent during the year 2010-2011 to 2019-20.
Chart No-8 : Year Wise ATMs of Private Sector Banks
4,609 4,555
679 414 336 247
1,276
5,2505,297
1,887
595
1,762
951 848 818
1,600
565
140 386
935
509
1,135
0
1,000
2,000
3,000
4,000
5,000
6,000
Total
9. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 52
Table No-20 : Year Wise Branches of Foreign Banks
Sl.No Years
Branches
CAGR
Rural
Semi-
Urban
Urban Metropolitan Total
1 2010-11 7 8 61 241 317
-0.29%
2 2011-12 7 8 61 246 322
3 2012-13 8 10 65 249 332
4 2013-14 8 10 65 249 332
5 2014-15 8 10 60 240 318
6 2015-16 8 9 58 238 313
7 2016-17 9 9 39 231 288
8 2017-18 9 10 36 231 286
9 2018-19 13 10 39 238 300
10 2019-20 15 8 40 245 308
Source: Consolidated Annual Reports of RBI
Table No-21 Indicates that year wise branches of Foreign Banks in India. In the year of 2010-11,
there are 317 branches of Foreign Banks of which 7 branches were located in Rural, 8 branches in Semi
Urban, 61 branches in Urban and 241 branches in Metropolitan were located, In the year of 2019-20, there
are 308 branches of Foreign Banks of which 15 branches were located in Rural, 8 branches in Semi Urban,
40 branches in Urban and 245 branches in Metropolitan were located. Compound Annual Growth Rate of
year wise branches of Foreign Banks indicates -0.29 per cent during the year 2010-11 to 2019-20.
Chart No-11 : Year Wise Branches of Foreign Banks
5%
7%
8%
9%
10%
11%
12%
12%
12%
14%
Total
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
10. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 53
Table No โ 22 : Branches of Foreign Banks โ 2019-20
Sl.
No
Name of the Bank
Branches
Rural
Semi-
urban
Urban Metropolitan Total
1 AB Bank Limited - - - 1 1
2 Abu Dhabi Commercial Bank (P.J.S.C) - - - 1 1
3 American Express Banking Corp. - - - 1 1
4
Australia and New Zealand Banking
Group Limited
1 - 1 1 3
5 Bank of America National Association - - - 4 4
6 Bank of Bahrain & Kuwait B.S.C. - 1 - 3 4
7 Bank of Ceylon - - - 1 1
8 Bank of China Limited - - - 1 1
9 Bank of Nova Scotia - - - 2 2
10 Barclays Bank Pic - 1 1 4 6
11 BNP Paribas - - - 8 8
12 Citibank N.A - - 4 31 35
13 Co-operative Rabobank U.A. - - - 1 1
14
Credit Agricole Corporate and
Investment Bank
- - - 5 5
15 Credit Suisse Ag - - - 1 1
16 CTBC Bank Co., Ltd - 1 - 1 2
17 DBS Bank India Limited 8 2 3 21 34
18 Deutsche Bank AG 1 - 5 11 17
19 Doha Bank Q.P.S.C. - - 1 2 3
20 Emirates NDB Bank (P.J.S.C) - - - 1 1
21 First Abu Dhabi Bank (P.J.S.C) - - - 1 1
22 FirstRand Bank Ltd - - - 1 1
23
Hongkong And Shanghai Banking Corp.
Ltd
- - 4 22 26
24
Industrial and Commercial Bank of
China
- - - 1 1
25 Industrial Bank of Korea - - - 1 1
10%
10%
11%
11%
10%
10%
9%
9%
10%
10%
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
11. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
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Vol: XXIV, No. : 1(XXII), 2022 54
26
JPMorgan Chase Bank National
Association
2 - - 2 4
27 JSC VTB Bank - - - 1 1
28 KEB Hana Bank - 1 - 1 2
29 Kookmin Bank - - 1 - 1
30
Krung Thai Bank Public Company
Limited
- - - 1 1
31 Mashreq Bank Ltd - - - 1 1
32 Mizuho Bank Ltd - 1 - 4 5
33 MUFG Bank Ltd 1 - - 4 5
34 Natwest Markets Plc - - - 1 1
35 PT Bank Maybank Indonesia Tbk - - - 1 1
36 Qatar National Bank (Q.P.S.C) - - - 1 1
37 Sberbank - - - 1 1
38 SBM Bank (India) Limited - - - 6 6
39 Shinhan Bank 1 - - 5 6
40 Societe Generale - - - 2 2
41 Sonali Bank - - 1 1 2
42 Standard Chartered Bank 1 1 18 80 100
43 Sumitomo Mitsui Banking Corporation - - - 2 2
44 United Overseas Bank Ltd - - - 1 1
45 Westpac Banking Corporation - - - 1 1
46 Woori Bank - - 1 2 3
Total 15 8 40 245 308
Source: Report of TPBII 2019-20.
Table No-22 Indicates that Branches of Foreign Banks in India. As regards AB Bank Limited,
there are 1 branches as on 2019-20, of which 1 branch in Metropolitan area as on 2019-20, As regards
Woori Bank, there are 3 branches as on 2019-20, of which 1 branch in Urban area and 2 branches in
Metropolitan area as on 2019-20, on the whole, there are 308 branches as on 2019-20, of which 15
branches in Urban area, 8 branches in Semi Urban area, 40 branches in Urban area and 245 branches in
Metropolitan area as on 2019-20.
Table No-23 : Year Wise ATMs of Foreign Banks
Sl.No Years
ATMs
CAGR
On-site Off-site Total
1 2010-11 286 1,081 1,367
-4.06%
2 2011-12 284 1,130 1,414
3 2012-13 283 978 1,261
4 2013-14 216 963 1,179
5 2014-15 220 882 1,102
6 2015-16 219 794 1,013
7 2016-17 219 747 966
8 2017-18 214 724 938
9 2018-19 221 693 914
10 2019-20 225 678 903
Source: Consolidated Annual Reports of RBI
12. JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Vol: XXIV, No. : 1(XXII), 2022 55
Table No-23 Indicates that year wise ATMs of Foreign Banks 2019-20, In the year 2010-11, there
are 1367 ATMs of Foreign Banks, of which 286 are in on-site and 1081 are in off-site, In the year 2019-
20, there are 903 ATMs of Foreign Banks, of which 225 are in on-site and 678 are in off-site,
Chart No-12 : Year Wise ATMs of Foreign Banks
CONCLUSION
Indian banking industry is one of the well structured with regulatory authorities for their smooth
functioning in the country. After nationalization of 20 commercial banks in India, it transforms many
changes in the socio โ economic development through flow of money from one hand to another.
Commercial banks become more vibrant and modern with respect to new economic policy initiated in
India in 1991. Commercial banks were computerized and information and communication technology
banking services into user friendly and quick access manner. During 2000, more ATMs were installed to
deliver funds transfer in a accessible manner. At present 2.13 Lakhs ATMs by banks of its 1,54,485
branches, 42 foreign banks 10 small finance banks are also available in digital mode that provide all senior
like physical banks. Therefore, it is concluded that ATMs and branches of commercial banks are
significantly contributing to the socio-economic development of the country.
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12%
13%
11%
11%
10%
9%
9%
9%
8%
8%
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20