Structure Of Indian Banking System
The existing banking structure is the result of several decades catering the credit and banking services requirements of the economy.
Needless to say that today’s banking system is loaded with multiple layers adhered to offer specific and varied requirements according to the different customers and borrowers.
Objectives Of RBI
The discussion of the structure of India banking system starts with the establishment of the RBI as we did not have any central bank earlier. And therefore RBI has emerged as the supreme monetary and banking authority in the country adhered to control the banking system in India.
It is known as the Reserve Bank as being responsible for keeping the reserves of all commercial banks.
RBI plays a major role in respect of positive and dynamic role in respect of the development of a county. The fact cannot be ignored that the financial muscle of a nation actually depends upon the soundness of policies prepared by the central banking.
Talking about the objectives of the central banking system has been mentioned below –
· To work in respect of the national interest of the country
· The motto of stabilizing the mixed economy
· Going with the objective of stabilizing the price level at average prices
· And in between of all this, stabilization of the exchange rate can also not be circumvented.
· Taking promotion of economic activities to next level
What Authorities RBI Holds –

The RBI holds the full authority in the various aspects such as:
· Banker to the Union Government
· RBI is also responsible for foreign exchange control authority
· In order to promote authority.
· To resolve the currency issuing authority
· In order to the monitoring authority
History Of Indian Bank –
Indian banking industry associates to the 18th century and covered a long distance loaded with a varied evolutionary experience since then.
In the very beginning, the bank used to be traders’ banks engaged only in finance-related activities.
According to the experts, banking industry before independence was developed with the Presidency Banks later transformed into Imperial Bank Of India and then into the SBI (known as State Bank of India).
The Core Operating Income Of A Bank -
Talking about the income of a bank, it comes from interest compromising 75–85% in the total income of almost all Indian Banks.
Many people keep thinking that how do banks make their income and this is the answer. Apart from interest generated income, a bank also makes fee-based income in the form of commissions and exchange.
Moreover, banks also make income from treasury operations and by getting indulged in other banking activities.
Categories of India Banks –

To put in simple words, India banks have been classified into two categories known as a commercial bank and co-operative banks.
· Commercial banks come up with SCBs (stands for Schedule Commercial Banks) and non-scheduled commercial banks. SCBs are also categorized into four prominent categories such as
§ Private,
§ Public,
§ Foreign Banks And
§ Regional Rural Banks (Rrbs)
· Co-operative banks come up with urban and rural Co-operative banks.
Though, the entire structure cannot be covered within these limited words, it has been tried the best to cover as much as it can be.
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