Rural Banking
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The document discusses rural banking in India. It outlines the objectives of rural banking as poverty alleviation and financial intermediation. It describes the limited banking presence pre-independence, nationalization of banks post-independence, and the rural branch expansion program of the 1970s that increased rural access to banking. It also discusses the establishment of NABARD to provide rural credit and changes post-liberalization, along with ongoing challenges and opportunities in rural marketing.
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This document discusses rural banking in India. It outlines the objectives of rural banking as poverty alleviation and increasing access to banking services. It describes the evolution of rural banking after independence, including nationalization of banks in 1969 and a rural branch expansion program in 1977. It also discusses the establishment of NABARD in 1982 to provide credit to farmers. The document outlines challenges and opportunities in rural markets and proposes marketing strategies to expand rural banking.
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Public sector banks are owned by the government, while private sector banks are owned by private individuals or groups. Interest rates are typically lower for public sector banks compared to private sector banks. Public sector banks are considered more secure since they are run by the government of India, while there is a higher risk of fraud with private banks. Private banks can make business decisions and launch new products/services more quickly than public sector banks which require government approval.
Regulatory framework of banks
The three key points are:
1) The Reserve Bank of India Act 1934 established the Reserve Bank of India and empowered it to regulate banks and maintain financial stability in India.
2) The principal regulatory framework for banks in India involves the Banking Regulation Act 1949, which provides legal guidelines for banks, and the Reserve Bank of India Act 1934, which empowers RBI to supervise banks.
3) Some of RBI's main roles and responsibilities include being the sole issuer of banknotes, acting as banker and lender of last resort to commercial banks, managing currency and monetary policy, and regulating and supervising banks.
Evolution of banks & phases of development
The document discusses the evolution of banks in India from ancient times to the present. It outlines the major phases of development: 1) In ancient India, the Vedas first mentioned usury. 2) In the medieval era, loan deeds called dastawez were used. 3) Under British rule, the Union Bank of Calcutta was established in 1829 as the first joint stock bank. 4) After independence, most banks were nationalized in 1969. 5) Today, banking in India includes both nationalized banks and new private banks, with over 100,000 branches serving customers across the country.
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The document summarizes the evolution of the Indian banking sector from the pre-1950 period to the present day. It discusses the foundational phase in the 1950s-1970s, the expansion phase in the 1970s-1980s following nationalization, the consolidation phase of the 1980s-1990s, and the ongoing reformatory phase since liberalization. It outlines the performance improvements seen in the sector as well as ongoing challenges around infrastructure, technology, skills, and competition in a changing market. Overall the banking sector has strengthened but continues transforming to meet new demands.
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The document discusses rural banking in India and the need to address it for sustainable growth. It notes that over 500 million Indians still lack bank accounts and that rural areas represent about 50% of India's GDP. While banking networks have expanded, rural banking still faces challenges of regulation designed for urban areas and high staffing needs for distribution in rural contexts. Microfinance and self-help groups are discussed as approaches to expanding rural access to financial services.
Structure of Indian Banking System
The document summarizes the structure of the banking system in India. It outlines the different types of banks: scheduled banks and non-scheduled banks. It also discusses cooperative banks, including central cooperative banks, state cooperative banks, and district central cooperative banks. The document then covers commercial banks such as public sector banks, regional rural banks, private sector banks, and foreign banks. It provides brief descriptions of each type of bank and their roles within the Indian banking system.
Rbi - Reserve Bank of India
The Reserve Bank of India (RBI) is the central bank of India. It was established in 1935 and is headquartered in Mumbai. The RBI's main functions are to regulate the banking system, control money supply, and maintain foreign exchange reserves to stabilize the value of the Indian rupee. It acts as a bank for the government and commercial banks, sets key policy rates like the repo rate to influence inflation, and imposes reserve requirements on commercial banks.
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The document provides information about the roles and functions of the Reserve Bank of India (RBI). It discusses RBI's role as a monetary authority, banker's bank, money regulator, issuer of currency and licenses. It outlines the powers of RBI in controlling money supply through various quantitative measures like cash reserve ratio (CRR), statutory liquidity ratio (SLR), repo rate, and reverse repo rate. Examples are given of how CRR, SLR and repo rate work. Past and recent governors of RBI are also mentioned.
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Commercial banks perform primary functions of accepting deposits, advancing loans, and creating credit. They also provide secondary functions like agency services and general utility services. Modern banks help achieve socio-economic objectives set by governments, such as promoting small businesses and self-employment through specialized lending schemes at concessional rates of interest.
Functions of a commercial bank
The document discusses the functions and roles of commercial banks, including defining banks and describing their primary functions of accepting deposits and lending money. It also covers commercial banks' sources of funds such as deposit accounts, borrowed funds, and long-term sources, as well as their uses of funds like cash, loans, securities investments, and fixed assets.
Priority sector lending
The document discusses priority sector lending in India. It defines priority sectors as agriculture, small scale industries, and other identified sectors of economic importance. It provides details on categories of lending covered under priority sectors such as short term crop loans, medium and long term agriculture loans, small scale industry loans, and loans to weaker sections. It also outlines priority sector lending targets for domestic and foreign banks in India and monitoring of priority sector lending by the Reserve Bank of India.
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There are several types of banks in India. The main types are scheduled banks, which must meet certain criteria to be included in the second schedule of the RBI Act, and non-scheduled banks. Scheduled banks can be further divided into public sector banks that are majority owned by the government, private sector banks owned by private individuals, foreign banks registered abroad but operating in India, and cooperative banks established under the Cooperative Credit Societies Act. Other bank types include regional rural banks focused on rural agriculture financing, and the State Bank of India which was formed when the government took over the Imperial Bank of India.
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Rural Banking J.D Lamba
The document discusses rural banking in India, including its objectives of poverty alleviation and financial intermediation. It outlines the limited banking presence pre-independence, nationalization of banks post-independence, and the rural branch expansion program of the 1970s. The establishment of NABARD to provide credit facilities to farmers is also mentioned. Challenges in rural markets include a lack of adequate financial markets and infrastructure, though opportunities exist in agribusiness and untapped markets. Marketing strategies proposed include developmental marketing, customized products and delivery models, and partnerships with cooperatives and NGOs.
Money & banking
Rural banking in India started with the establishment of the banking sector and focused on the agro sector. Some of the major banks operating in rural markets include SBI, Haryana State co-operative apex bank limited, NABARD, Sindhanur urban souharda co-operative bank, and united bank of India. Institutional sources of rural finance include cooperatives, commercial banks, and Regional Rural Banks, while non-institutional sources consist of moneylenders, traders, and landlords. The RBI and NABARD play important roles in expanding rural credit through commercial banks and initiatives like Kisan Credit Cards, microfinance, and agricultural insurance.
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Banking industry evolution
The document provides an overview of the banking industry, including its evolution and history. It discusses how banking originated in temples and palaces as safe places to store gold and other valuables. It then outlines the emergence of early banks like merchant banks in medieval times and the formalization of banking within distinct buildings by the Romans. The document also summarizes the nature, trends, and federal regulation of the modern banking industry.
Rural Banking
This document discusses rural banking in India. It provides statistics on India's rural population and economy. It then discusses the current state of rural banking, including key challenges like financial exclusion and unprofitability. It also covers opportunities in the rural banking market and improving access. The conclusion is that commercial banks need a coordinated effort with the government and RBI to build an inclusive financial system and reach rural customers through partnerships with business correspondents and collaboration. Tailoring products and delivery models to rural needs is also important.
Board of Financial Supervision.
The Board of Financial Supervision (BFS) was constituted in 1994 as a committee of the Reserve Bank of India's Central Board to oversee financial sector supervision. The BFS guides the RBI's regulatory and supervisory functions, including monitoring commercial banks, financial institutions, and non-banking finance companies. It aims to ensure the solvency, liquidity, and sound operations of these financial institutions. The BFS meets monthly and is chaired by the RBI Governor, with Deputy Governors and Central Board members as members. It oversees key departments handling supervision and provides directions on regulatory and supervisory issues.
Merchant bank underwriting
The document discusses the roles of merchant banks and underwriters in India. It begins by providing a brief history of merchant banking, noting it started in Italy and later spread to other European countries and the US. It then outlines some of the key functions of merchant banks, such as providing commercial banking services, long-term loans, and underwriting stocks. Next, it discusses the underwriting process, including different types of underwriting agreements and regulations around underwriting in India. It concludes by emphasizing the importance of underwriters and merchant banks in facilitating capital raising and protecting investor interests.
Private banks & Public banks
Public sector banks are owned by the government, while private sector banks are owned by private individuals or groups. Interest rates are typically lower for public sector banks compared to private sector banks. Public sector banks are considered more secure since they are run by the government of India, while there is a higher risk of fraud with private banks. Private banks can make business decisions and launch new products/services more quickly than public sector banks which require government approval.
Regulatory framework of banks
The three key points are:
1) The Reserve Bank of India Act 1934 established the Reserve Bank of India and empowered it to regulate banks and maintain financial stability in India.
2) The principal regulatory framework for banks in India involves the Banking Regulation Act 1949, which provides legal guidelines for banks, and the Reserve Bank of India Act 1934, which empowers RBI to supervise banks.
3) Some of RBI's main roles and responsibilities include being the sole issuer of banknotes, acting as banker and lender of last resort to commercial banks, managing currency and monetary policy, and regulating and supervising banks.
Evolution of banks & phases of development
The document discusses the evolution of banks in India from ancient times to the present. It outlines the major phases of development: 1) In ancient India, the Vedas first mentioned usury. 2) In the medieval era, loan deeds called dastawez were used. 3) Under British rule, the Union Bank of Calcutta was established in 1829 as the first joint stock bank. 4) After independence, most banks were nationalized in 1969. 5) Today, banking in India includes both nationalized banks and new private banks, with over 100,000 branches serving customers across the country.
Role of dfhi in money market
DFHI was formed in 1988 as a subsidiary of SBI to develop the Indian money market and provide liquidity to money market instruments. It commenced operations with Rs. 200 crores in paid-up capital contributed by RBI, public sector banks, and financial institutions. DFHI's main objectives are to increase transactions in the money market and facilitate short-term liquidity management. It deals in government securities, treasury bills, certificates of deposit, commercial papers, and various call/notice money market instruments. DFHI plays an important role in discounting, purchasing, and selling these instruments to promote secondary market activity and improve money market liquidity.
Financial inclusion
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progress of financial inclusion
pradhan mantri jann dhan yojana
pradan mantri suraksha bhima yojana
pradhan mantri jeevan jyothi yojana
atal pension yojana
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The document summarizes the evolution of the Indian banking sector from the pre-1950 period to the present day. It discusses the foundational phase in the 1950s-1970s, the expansion phase in the 1970s-1980s following nationalization, the consolidation phase of the 1980s-1990s, and the ongoing reformatory phase since liberalization. It outlines the performance improvements seen in the sector as well as ongoing challenges around infrastructure, technology, skills, and competition in a changing market. Overall the banking sector has strengthened but continues transforming to meet new demands.
NABARD FINAL PROJECT
The document discusses the history and functions of rural credit in India. It notes that rural credit is aimed at impacting rural populations through lending programs and lines of credit for farmers and agricultural work. In India, rural credit originated with the creation of a network of rural credit cooperatives in the 1950s to channel credit between the state and rural communes. In the late 1970s, as economic reforms enabled private enterprise, rural credit cooperatives began functioning as grassroots banks providing credit and savings services to rural communities. Today, rural credit supports individuals, businesses, and development projects that benefit rural areas through loans, mortgages, and other financing adapted to farmers' agricultural cycles.
Rural Banking in India
The document discusses rural banking in India and the need to address it for sustainable growth. It notes that over 500 million Indians still lack bank accounts and that rural areas represent about 50% of India's GDP. While banking networks have expanded, rural banking still faces challenges of regulation designed for urban areas and high staffing needs for distribution in rural contexts. Microfinance and self-help groups are discussed as approaches to expanding rural access to financial services.
Structure of Indian Banking System
The document summarizes the structure of the banking system in India. It outlines the different types of banks: scheduled banks and non-scheduled banks. It also discusses cooperative banks, including central cooperative banks, state cooperative banks, and district central cooperative banks. The document then covers commercial banks such as public sector banks, regional rural banks, private sector banks, and foreign banks. It provides brief descriptions of each type of bank and their roles within the Indian banking system.
Rbi - Reserve Bank of India
The Reserve Bank of India (RBI) is the central bank of India. It was established in 1935 and is headquartered in Mumbai. The RBI's main functions are to regulate the banking system, control money supply, and maintain foreign exchange reserves to stabilize the value of the Indian rupee. It acts as a bank for the government and commercial banks, sets key policy rates like the repo rate to influence inflation, and imposes reserve requirements on commercial banks.
Rbi ppt
The document provides information about the roles and functions of the Reserve Bank of India (RBI). It discusses RBI's role as a monetary authority, banker's bank, money regulator, issuer of currency and licenses. It outlines the powers of RBI in controlling money supply through various quantitative measures like cash reserve ratio (CRR), statutory liquidity ratio (SLR), repo rate, and reverse repo rate. Examples are given of how CRR, SLR and repo rate work. Past and recent governors of RBI are also mentioned.
Commercial banking
Commercial banks perform primary functions of accepting deposits, advancing loans, and creating credit. They also provide secondary functions like agency services and general utility services. Modern banks help achieve socio-economic objectives set by governments, such as promoting small businesses and self-employment through specialized lending schemes at concessional rates of interest.
Functions of a commercial bank
The document discusses the functions and roles of commercial banks, including defining banks and describing their primary functions of accepting deposits and lending money. It also covers commercial banks' sources of funds such as deposit accounts, borrowed funds, and long-term sources, as well as their uses of funds like cash, loans, securities investments, and fixed assets.
Priority sector lending
The document discusses priority sector lending in India. It defines priority sectors as agriculture, small scale industries, and other identified sectors of economic importance. It provides details on categories of lending covered under priority sectors such as short term crop loans, medium and long term agriculture loans, small scale industry loans, and loans to weaker sections. It also outlines priority sector lending targets for domestic and foreign banks in India and monitoring of priority sector lending by the Reserve Bank of India.
Types of banks
There are several types of banks in India. The main types are scheduled banks, which must meet certain criteria to be included in the second schedule of the RBI Act, and non-scheduled banks. Scheduled banks can be further divided into public sector banks that are majority owned by the government, private sector banks owned by private individuals, foreign banks registered abroad but operating in India, and cooperative banks established under the Cooperative Credit Societies Act. Other bank types include regional rural banks focused on rural agriculture financing, and the State Bank of India which was formed when the government took over the Imperial Bank of India.
Micro finance in India
This document presents information on microfinance in India. It discusses how microfinance provides financial services like credit, savings and insurance to poor individuals. It notes that microfinance aims to improve livelihoods through capital provision. The document provides statistics on microfinance in India and outlines the roles of various regulatory bodies. It discusses self-help groups and their importance in poverty alleviation. It also examines the role of banks in providing assistance to microfinance institutions and some problems faced by these institutions. Finally, it proposes various solutions and concludes by emphasizing the potential of self-help groups and microfinance to reduce poverty in India.
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Rural Banking J.D Lamba
The document discusses rural banking in India, including its objectives of poverty alleviation and financial intermediation. It outlines the limited banking presence pre-independence, nationalization of banks post-independence, and the rural branch expansion program of the 1970s. The establishment of NABARD to provide credit facilities to farmers is also mentioned. Challenges in rural markets include a lack of adequate financial markets and infrastructure, though opportunities exist in agribusiness and untapped markets. Marketing strategies proposed include developmental marketing, customized products and delivery models, and partnerships with cooperatives and NGOs.
Money & banking
Rural banking in India started with the establishment of the banking sector and focused on the agro sector. Some of the major banks operating in rural markets include SBI, Haryana State co-operative apex bank limited, NABARD, Sindhanur urban souharda co-operative bank, and united bank of India. Institutional sources of rural finance include cooperatives, commercial banks, and Regional Rural Banks, while non-institutional sources consist of moneylenders, traders, and landlords. The RBI and NABARD play important roles in expanding rural credit through commercial banks and initiatives like Kisan Credit Cards, microfinance, and agricultural insurance.
Financial inclusion for sustainable development
For any developing country like India, the sustainable growth of nation is only possible
by inclusive all financial services to those groups who are excluded to access financial
system. The approach that was first used by the government for financial inclusion
was Swabhimaan. In Swabhimaan, the target area was rural with account opening
as the main focus ignoring the use of mobile banking. Pradhan Mantri Jan-Dhan
Yojana (PMJDY) is introduced to overcome the loopholes of Swabhimaan. It is an
urge of the hour to make the people understand that financial inclusion is the emerging
financial means which play major role to develop country by eradicating poverty.
The main objective of financial inclusion is a basic no frill account, credit availability
at appropriate rate, knowledge of secure savings and financial products, remittance,
pension and insurance etc. PMJDY is major financial plan with the objective of covering
all households in the country with banking facilities along with inbuilt insurance
coverage. The paper implies to study the need of financial inclusions in India with
special reference to PMJDY for the sustainable growth of economy.
Financil Inclusion for Sustainable Development through Pradhan Mantri Jan-Dha...
Financil Inclusion for Sustainable Development through Pradhan Mantri Jan-Dha...professionalpanorama
For any developing country like India, the sustainable growth of nation is only possible
by inclusive all financial services to those groups who are excluded to access financial
system. The approach that was first used by the government for financial inclusion
was Swabhimaan. In Swabhimaan, the target area was rural with account opening
as the main focus ignoring the use of mobile banking. Pradhan Mantri Jan-Dhan
Yojana (PMJDY) is introduced to overcome the loopholes of Swabhimaan. It is an
urge of the hour to make the people understand that financial inclusion is the emerging
financial means which play major role to develop country by eradicating poverty.
The main objective of financial inclusion is a basic no frill account, credit availability
at appropriate rate, knowledge of secure savings and financial products, remittance,
pension and insurance etc. PMJDY is major financial plan with the objective of covering
all households in the country with banking facilities along with inbuilt insurance
coverage. The paper implies to study the need of financial inclusions in India with
special reference to PMJDY for the sustainable growth of economy.
Keywords: Financial Exclusion, Financial Inclusion, PMJDY, Sustainable Growth.NABARD
NABARD is India's apex development bank that focuses on rural development. It provides refinancing support and develops rural infrastructure to promote agriculture and rural development. NABARD also regulates cooperative banks and rural banks. It works to expand financial inclusion through programs like self-help groups and credit cards for farmers. While NABARD has significantly contributed to rural development, it faces challenges in adequately financing some regions and maintaining its link to the central bank.
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The document discusses a seminar on financial inclusion and the role of the Reserve Bank of India (RBI) in fostering financial inclusion in India. It provides an introduction to the topic, defines financial inclusion, discusses the need for financial inclusion and objectives of the study. It then outlines the methodology, steps taken by RBI including policy initiatives to encourage banks and achievements of banks in expanding access to financial services. The conclusion states that RBI has played a supportive role in creating regulations and supporting banks' financial inclusion efforts.
Project on Rural Bankking
Rural banking in India aims to provide financial services to customers in rural areas. The objectives include saving rural people from money lenders, accelerating economic growth, and encouraging entrepreneurship. Currently, rural populations have limited access to services, with many relying on informal sources. Regional Rural Banks were established to increase credit flow, but commercial bank branches still only cover 7% of rural sectors. Microfinance is an important approach, with self-help groups being a major model. Issues include regional imbalances, poor management, lack of support, and ensuring sustainability. Expanding reach through partnerships and technology, as well as financial literacy, are keys to further progress.
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This document provides a historical overview of microfinance initiatives in India since independence. It discusses early committees and surveys that examined rural credit needs and access. Major initiatives are described, including self-help groups, programs through NABARD and SIDBI, and the SHG-Bank linkage model. The document also outlines the current status and infrastructure of microfinance provision in India, noting that while access to formal credit has increased, the majority of marginal farmers and landless laborers still rely on informal sources. Overall it traces the evolution of microfinance policy and models in India over several decades.
Nabard
NABARD is the apex development bank in India that was established in 1982 to facilitate credit flow in rural areas and promote rural prosperity. It works to develop sustainable rural areas through financial and non-financial programs and innovations. NABARD provides refinancing to rural lending institutions, regulates cooperative banks and RRBs, and promotes research and training in rural banking and development. Some of its key programs and milestones include self-help groups, rural infrastructure development, watershed development, and programs to attract rural youth and support rural women entrepreneurs. NABARD faces challenges like inadequate finances, high non-performing loans, regional imbalances, and lack of coordination with other institutions.
Financial inclusion in rural sector banking- Nelson
This document discusses financial inclusion in rural India. It defines financial inclusion as providing financial services to all sectors of society, including the underprivileged and disadvantaged. The objectives are to study the concept and level of compliance with RBI guidelines, evaluate the role of financial institutions, and identify suitable rural financial inclusion methods. Measures taken by the government, RBI, and NABARD to promote inclusion are discussed, as well as ongoing challenges and suggestions to improve access to banking and credit in rural areas. The conclusion stresses the importance of financial inclusion for all sections of society and the need to connect more of the rural population to banking services.
Financial inclusion
In India, RBI has initiated several measures to achieve greater financial inclusion,such as facilitating no-frills accounts and GCCs for small deposits and credit
Non – Banking Financing Companies - PROMOTING INCLUSIVE GROWTH – ROLE OF NBFC...
India has low levels of financial inclusion, with only around 35% of the population having access to formal banking. Non-banking financial companies (NBFCs) have helped address this by pioneering lending in underserved segments like microfinance and rural/semi-rural markets. NBFCs complement banks by meeting the needs of "unbankable" borrowers and facilitating reliable credit access for rural and semi-rural India where bank reach is inconsistent. They have emerged as a vital link for promoting financial inclusion in India.
The farmers development in credit structure vis à-vis indian
This document discusses the credit structure for farmers and the Indian economy. It outlines several formal and informal sources of rural credit, including self-help groups, National Bank for Agriculture and Rural Development (NABARD), and microfinance institutions. NABARD was established to regulate cooperative banks and regional rural banks to increase credit flow to rural areas. While self-help groups are village-based organizations that provide small loans to members, microfinance institutions give loans to small businesses and entrepreneurs lacking access to traditional banks. The document concludes with suggestions to increase credit availability and reduce risks such as contract farming and involving NGOs to organize loan disbursement.
Final report with annexure
This document provides an overview of the rural banking industry in India. It notes that while urban India has over 100% banking penetration, rural India lags behind at only 19% penetration due to issues with both access to and usage of financial services in rural areas. Access is limited by factors like lack of infrastructure and physical distance to branches, with only 7% of villages having a bank branch. Usage is constrained by illiteracy and incomplete service offerings that don't meet rural needs as well as high transaction costs. The banking industry is recognizing the potential of rural segments but more work needs to be done to expand access and encourage usage of financial services in rural India.
Ee bank
The document summarizes reforms in the Indian banking sector in the 1990s following economic liberalization. It discusses the Narasimhan Committee report of 1991 which reviewed issues facing nationalized banks like directed lending, high statutory liquidity ratios imposed by the RBI, and lack of profitability. The document also summarizes various priority sector lending programs and social banking schemes aimed at poverty alleviation as well as the Lead Bank and Service Area Approach programs for rural credit expansion. Overall, it provides an overview of major post-1991 reforms and issues in the Indian banking system based on the Narasimhan Committee recommendations.
NABARD
NABARD is the apex development bank of India that was established in 1982 to provide credit and related services for agriculture and rural development. It replaced the agricultural credit departments of the RBI and provides refinancing support to rural financial institutions. NABARD also works to enhance access to financial services in rural areas through programs like self-help group bank linkage and develops rural infrastructure through funds like RIDF.
socialbanking-131030203932-phpapp01 (1).pptx
The document discusses several schemes aimed at promoting social and inclusive banking in India. It describes the Lead Bank Scheme which designates a bank in each district to coordinate banking activities. It also outlines the Service Area Approach which allocates specific villages to banks and the Differential Rate of Interest Scheme which provides loans at lower rates to low-income groups. Furthermore, it discusses the priority sector lending mandate which requires banks to allocate a certain portion of lending to priority sectors like agriculture and micro/small enterprises. Lastly, it summarizes the Self Help Group Bank Linkage Programme which facilitates microcredit to the poor through community savings groups.
rural-banking-150906131006-lva1-app6892 (1).pptx
Regional rural banks were established in 1975 to provide sufficient banking and credit facilities for agriculture and other rural sectors. They are jointly owned by the central government, state governments, and sponsor banks. Cooperative banks were also formed to provide financial services and prevent indebtness in rural areas. The National Bank for Agriculture and Rural Development was established in 1982 as the apex development bank to facilitate credit flow for rural development. Rural banking plays an important role in India's economic development by supporting the majority of the population living in rural areas and the agricultural sector, which remains the backbone of the economy.
banking in rural india : initiatives taken by sbi
Rural banking in India is important given that 69% of India's population lives in rural areas. State Bank of India has taken several initiatives to promote rural banking such as opening rural and semi-urban branches, partnering with regional rural banks, and developing programs like Kisan Credit Cards, self-help groups, and projects using smart cards and business correspondents. Overall, initiatives by the Reserve Bank of India and individual banks have helped increase access to banking in rural India, with the number of bank accounts, loans, and credit growing substantially in recent years. However, there is still progress needed to fully cover India's rural population with banking services.
rural banking india: initiatives taken by sbi
Rural banking in India aims to promote financial inclusion through various initiatives by the State Bank of India and Reserve Bank of India. The State Bank of India has established over 6,473 rural and semi-urban branches and works with 30 regional rural banks to expand access to banking services. It has also launched programs like tiny accounts, smart cards, and self-help groups to provide savings and credit options tailored to rural communities. The Reserve Bank of India has implemented priority sector lending, Kisan credit cards, regional rural banks, and a financial inclusion plan to boost rural credit and extend banking connectivity across India. Significant progress has been achieved, though expanding access through new technologies and education remains an ongoing priority.
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Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Who Is the Largest Producer of Soybean in India Now.pdf
This blog explores the current largest producer of soybean in India and the factors contributing to their dominance.
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Lecture slide on the Role of Information Technology in Revenue Generation and Collection
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...Godwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide titled Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria - Prof Oyedokun.pptxAbhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
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How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
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Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Does teamwork really matter? Looking beyond the job posting to understand lab...
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Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.Recently uploaded (20)
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G20 summit held in India. Proper presentation for G20 summit
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Rural Banking
- 1. INSTITUTE OF FINANCE AND INTERNATIONAL MANAGEMENT RURAL BANKING Debendra sahoo Sandeep Panda