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    Home»Bank

    Type of Banks: Different Types of Banks in India

    Sushma SinghBy Sushma SinghMarch 21, 2023 Bank
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    Type of Banks Different Types of Banks in India
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    Banking has become an essential and inevitable part of everyone’s life today. The banking industry takes care of the finances of the country that includes both cash and credit. Modern banking started back in the 18th century when the first bank was opened, Bank of Calcutta in 1806 that is now named State Bank of India.

    As of now, there are 12 public sector banks and 21 private sector banks in India. A good banking system helps the country in increasing economic development and has also inculcated the trend of saving amongst people. There are various types of banks in India, and all of them are reliable and safe as they are approved by the apex bank of the country, which is the Reserve Bank of India (RBI).

    Type of Banks: Different Types of Banks in India

    Structure of Banks in India

    Banks are divided into four categories:

    1. Commercial Banks

    • Public Sector
    • Private Sector
    • Foreign Banks
    • Regional Rural Banks

    2. Cooperative Banks

    • Urban cooperative
    • State cooperative

    3. Small Finance Banks

    4. Payments Banks

    These were the major bank types, but before we know more about the different types of banks in India, first let us know about the Central bank.

    Central Bank of India

    Every country has one central bank that regulates and controls the other banks of the country. They are also called the banker’s bank or government’s bank, and all the central banks trace their history from the Bank of England. They are called central banks because they are the highest financial authority, and they occupy the central position of the banking system.

    Reserve Bank of India is the apex bank of India; it keeps a close analysis and synchronizes with all the other banks in the country. It is solely responsible for monitoring and guiding other banks nationwide. They issue the country’s currency that is Indian Rupee.

    Other major functions of RBI are:

    • They assure financial security and pecuniary management from country to country and play a vital role in the country’s economy.
    • They execute and guide financial and monetary strategies, approaches and making policies, managing foreign exchange & gold reserves, supervising the banking industry, etc.
    • They also keep a check on the monetary system of India by handling the finances.
    • RBI also purchases government debt, is a lender to commercial banks, and have a monopoly in issuing paper money
    • All the functions they do are done under the supervision of the Indian government.

    Scheduled Banks

    These are the banks that were included in the Second Schedule of the RBI Act in 1934. For qualifying to become a scheduled bank, it was mandatory to have a paid capital of at least 5 lakh rupees. RBI gives loans to scheduled banks as and when required.

    1. Commercial Banks

    Banking primarily means accepting deposits in terms of money from the people for lending or investment. They are called financial intermediaries as they take funds from the depositors and provide them to borrowers. They are the oldest institutions in banking history and have a huge network of branches spread all over the country.

    These banks and regulated and maintained under the Banking regulations Act, 1949. They are usually profit-making banks that completely depend on their business model. Their major functions are giving loans to the government, general public, corporate, debit & credit cards, bank accounts, and accepting deposits.

    Commercial banks run in both government and private sectors.

    Types of Commercial Banks:

    • Public Sector
    • Private Sector
    • Foreign Banks
    • Regional Rural Banks

    Let us know about these banks in detail:

    a. Public Sector Banks

    State Bank Of India | Type of Banks: Different Types of Banks in India

    They are also called the nationalized banks. In public sector banks, the major stake is of government, and they mostly give more emphasis to social objectives rather than profits. These banks have around 75% of the total banking business nationwide.

    They ensure that there is no monopoly in the market and dominance of financial and banking services by a few banks. They also ensure that all the banks comply with the policies and regulations.

    Also, they should keep a check that all banks:

    • Assist the necessities of the deprived and weaker sections of the community
    • Provision to the wants of agriculture and other priority sectors
    • Restrict the consolidation of wealth and economic power
    • Public sector banks give preference in constituting agriculture, small scale industries, and small businesses

    As of now, there are 12 public sector banks in India.

    List of Public Sector Banks:

    List of PSU BanksNumber of BranchesNumber of ATMsHeadquarter
    State Bank of India (SBI)2400058559Mumbai
    Punjab National Bank (With Merger of Oriental Bank of Commerce and United Bank of India)114378985New Delhi
    Bank of Baroda (With Merger of Dena Bank & Vijaya Bank)858110318Vadodara
    Canara Bank (With Merger of Syndicate Bank)1039112829Bengaluru
    Union Bank of India (With Merger of Andhra Bank and Corporation Bank)950013300Mumbai
    Bank of India58255000Mumbai
    Indian Bank (With Merger of Allahabad Bank)6000+6104Chennai
    Central Bank of India28764666Mumbai
    Indian Overseas Bank29953400Chennai
    UCO Bank23774000Kolkata
    Bank of Maharashtra18601897Pune
    Punjab & Sindh Bank10451554New Delhi

    Under the public sector bank comes Nationalized banks; let’s understand the difference between the public sector and nationalized banks.

    Also Read: Merchant Banking in India

    b. Nationalized Banks

    IDBI Bank | Type of Banks: Different Types of Banks in India

    After liberation, there were a few banks that were held privately. During that time, majorly private banks provided financial services. It was in the 60s that the Indian economy became an important factor in increasing the economy of the country.

    It was in 1969 that the government nationalized 14 banks. Because of the nationalization of banks, the majority of the banking control came into the hands of the government.

    List of the Nationalized Banks are:

    • Allahabad Bank
    • Andhra Bank
    • Dena Bank
    • Oriental Bank Of Commerce
    • Syndicate Bank
    • United Bank Of India
    • Vijaya Bank
    • IDBI Bank

    In these banks, the maximum ownership is with private shareholders instead of the government. They are managed, owned, and held by private promoters, and private banks are free to operate as per market forces, but all the rules and regulations are laid by RBI only.

    c. Private Sector Banks

    Axis Bank | Type of Banks: Different Types of Banks in India

    The reason why RBI regulates these banks is to make sure safety and seamless functioning of these banks plus, it also eliminates the risk of monopoly in the financial sector. There are two types of private sector banks in India-

    • Old Private Sector Banks: These are the banks that emerged before 1969
    • New Private Sector Banks: These banks emerged after 1969 as not all the banks were nationalized in 1969. These banks entered the industry after the nationalization period. It was in 1993 that the RBI permitted the private sector to enter the banking system.

    By 2009, in total, there were 7 private sector banks and 15 old private sector banks.

    List of Private Sector Banks:

    Sr. NoName of the BankBranchesEstablishmentHeadquarter
    1Axis Bank45281993Mumbai, Maharashtra
    2Bandhan Bank670+2015Kolkata, West Bengal
    3CSB Bank4171920Thrissur, Kerala
    4City Union Bank700+1904Kumbakonam, Tamil Nadu
    5DCB Bank3341930Mumbai, Maharashtra
    6Dhanlaxmi Bank270+1927Thrissur city, Kerala
    7Federal Bank12841931Aluva, Kochi
    8HDFC Bank54301994Mumbai, Maharashtra
    9ICICI Bank52881994Mumbai, Maharashtra
    10IDBI Bank18921964Mumbai, Maharashtra
    11IDFC FIRST Bank2602015Mumbai, Maharashtra
    12IndusInd Bank20001994Pune, Maharashtra
    13J&K Bank10381938Srinagar, Jammu, and Kashmir
    14Karnataka Bank8571924Mangaluru, Karnataka
    15Karur Vysya Bank7791916Karur, Tamil Nadu
    16Kotak Mahindra Bank1500+2003Mumbai, Maharashtra
    17Nainital Bank1501922Nainital, Uttarakhand
    18RBL Bank3981943Mumbai, Maharashtra
    19South Indian Bank8761929Thrissur, Kerala
    20Tamilnad Mercantile Bank5091921Tuticorin, Tamilnadu
    21YES Bank1000+2004Mumbai, Maharashtra

    These were the type of banks in India that are privately owned. These are all the private banks that are currently operating in India.

    Also Read: List of Private Banks in India

    d. Foreign Banks

    Citibank | Type of Banks: Different Types of Banks in India

    These are the banks with bank branches in India but have head offices in a foreign country. RBI permits these banks to run either through branches or by wholly-owned subsidiaries. The major use of foreign banks is in the corporate sector.

    But, many big foreign banks have made financing a major segment of their portfolio. Some of the significant services that these banks offer are credit cards, home loans, automobile finance, and much more.

    It is a mandate for foreign banks to imply with all the banking regulations by RBI. The extended presence of foreign banks has raised the race in the banking industry.

    List of Foreign Banks:

    There are 45 International banks in India with over 300 branches in the major cities. Here is the list for you:

    Si.NoForeign Sector BankBank Website
    1AB Bank Limitedabbl.com
    2Abu Dhabi Commercial Bank Ltd.adcbindia.com
    3American Express Banking Corp. (AEBC)americanexpress.com/india/homepage.shtml
    4ANZ Banking Group Ltd.anz.com
    5Bank of America NA.bankofamerica.com
    6Bank of Bahrain & Kuwait BSCbbkonline.com
    7Barclays Bank Plcbarcap.com
    8BNP PARIBASbnpparibas.com
    9Citibank NA.Citibank.co.in
    10Cooperatieve Rabobank U.Arabobank.com/india
    11Credit Agricole Corporate And Investment Bankca-cib.com
    12Credit Suisse AGcredit-sussie.com/in /on/investment-banking
    13CTBC Bank Co LtdNA
    14DBS Bank India Ltddbs.com
    15Deutsche Bank AGdb.com
    16Doha BankDoha bank.co.in
    17Emirates NBD Bank (PJSC)emiratesnbd.co.in
    18First Abu Dhabi Bank PJSCbankfab.com/en-in
    19FirstRand Bank Ltdfirstrand.co.za
    20Industrial and Commercial Bank of China Ltd. (ICBC)icbcindia.com
    21Industrial Bank Of KoreaNA
    22J P Morgan Chase Bank, NA.jpmorgan.com
    23JSC VTB Bankvtb.com
    24KEB Hana BankNA
    25Kookmin Bankkbstar.com
    26Krung Thai Bank Public Company LTDktb.co.th/th/content/others/foreign-location-detail
    27Mashreqbank pscmashreqbank.com
    28Mizuho Bank Ltd.mizuhocbk.co.jp/english
    29MUFG Bank Ltdmufg.jp/english
    30National Australia Bank (NAB)nationalaustraliabank.com

    nabindia/en/home

    31PT Bank Maybank Indonesia TbKNA
    32Qatar National Bank Q P S C.qnb.com
    33SberbankNA
    34SBM Bank (India) Ltd.subgroup.mu
    35Shinhan Bankshbiz8008@shinhan.com
    36Societe Generalesocietegenerale.in
    37Sonali Bank Ltd.sbl.in
    38Standard Chartered Bankstandardchartered.com
    39Sumitomo Mitsui Banking CorporationNA
    40The Bank of Nova Scotiascotiabank.com
    41The Hongkong & Shanghai Banking Corporation Ltd.HSBC.co.in
    42The Royal Bank of Scotland N Vrbs.in
    43United Overseas Bank Limiteduobgroup.com
    44Westpac Banking CorporationNA
    45Woori Bankwooribank.com

    e. Regional Rural Banks

    Kerala Gramin Bank | Type of Banks: Different Types of Banks in India

    These banks were set up by the government of India on October 2, 1975. These banks are operating in the various states of the country. The primary reason for creating them was to serve rural areas with all their banking and financial requirements. Their major customers are-

    • agricultural laborers
    • small and marginal farmers
    • artisans
    • small entrepreneurs

    RRB’s are backed by scheduled banks and principally by a nationalized commercial bank. All RRB’s are controlled both by the State and Central government and a sponsoring public sector commercial bank. But, there are a lot of urban areas as well where the branches of RBB are set up.

    The good part is that the government has taken several steps to increase the profitability and viability of RBIs. One of the major steps is uniting them with the same sponsored bank within a state.

    There are 43 RBIs in the country; let us see the list of the banks along with their sponsored banks.

    List of Regional Rural Banks:

    Sr. No.Name of Regional Rural BankSponsor BankState
    1Andhra Pradesh Grameena Vikas BankState Bank of IndiaTelangana
    2Andhra Pragathi Grameena BankSyndicate BankAndhra Pradesh
    3Arunachal Pradesh Rural BankState Bank of IndiaArunachal Pradesh
    4Aryavart BankBank of IndiaUttar Pradesh
    5Assam Gramin Vikash BankUnited Bank of IndiaAssam
    6Bangiya Gramin Vikash BankUnited Bank of IndiaWest Bengal
    7Baroda Gujarat Gramin BankBank of BarodaGujarat
    8Baroda Rajasthan Kshetriya Gramin BankBank of BarodaRajasthan
    9Baroda UP BankBank of BarodaUttar Pradesh
    10Chaitanya Godavari Grameena BankAndhra BankAndhra Pradesh
    11Chhattisgarh Rajya Gramin BankState Bank of IndiaChhattisgarh
    12Dakshin Bihar Gramin BankPunjab National BankBihar
    13Ellaquai Dehati BankState Bank of IndiaJammu & Kashmir
    14Himachal Pradesh Gramin BankPunjab National BankHimachal Pradesh
    15J&K Grameen BankJ&K Bank Ltd.Jammu & Kashmir
    16Jharkhand Rajya Gramin BankState Bank of IndiaJharkhand
    17Karnataka Gramin BankCanara BankKarnataka
    18Karnataka Vikas Grameena BankSyndicate BankKarnataka
    19Kerala Gramin BankCanara BankKerala
    20Madhya Pradesh Gramin BankBank of IndiaMadhya Pradesh
    21Madhyanchal Gramin BankState Bank of IndiaMadhya Pradesh
    22Maharashtra Gramin BankBank of MaharashtraMaharashtra
    23Manipur Rural BankUnited Bank of IndiaManipur
    24Meghalaya Rural BankState Bank of IndiaMeghalaya
    25Mizoram Rural BankState Bank of IndiaMizoram
    26Nagaland Rural BankState Bank of IndiaNagaland
    27Odisha Gramya BankIndian Overseas BankOdisha
    28Paschim Banga Gramin BankUCO BankWest Bengal
    29Prathama UP Gramin BankPunjab National BankUttar Pradesh
    30Puduvai Bharthiar Grama BankIndian BankPuducherry
    31Punjab Gramin BankPunjab National BankPunjab
    32Rajasthan Marudhara Gramin BankState Bank of IndiaRajasthan
    33Saptagiri Grameena BankIndian BankAndhra Pradesh
    34Sarva Haryana Gramin BankPunjab National BankHaryana
    35Saurashtra Gramin BankState Bank of IndiaGujarat
    36Tamil Nadu Grama BankIndian BankTamil Nadu
    37Telangana Grameena BankState Bank of IndiaTelangana
    38Tripura Gramin BankUnited Bank of IndiaTripura
    39Utkal Grameen BankState Bank of IndiaOdisha
    40Uttar Banga Kshetriya Gramin BankCentral Bank of IndiaWest Bengal
    41Uttar Bihar Gramin BankCentral Bank of IndiaBihar
    42Uttarakhand Gramin BankState Bank of IndiaUttarakhand
    43Vidharbha Konkan Gramin BankBank of IndiaMaharashtra

    Also Read: 10 Best Savings Bank Accounts For Children In India

    2. Co-operative Banks

    The Assam Co-operative Apex Bank Ltd. | Type of Banks: Different Types of Banks in India

    These banks come under the scheduled banks. Cooperative banks are organized under the state government’s act. Their primary role is to offer short-term loans to the agriculture sector in India. They are also called the mutual savings bank that is created to offer credit to its members at lower prices.

    They are operated by the elected members of the managing committee and registered under the Cooperative Societies Act, 1912. Cooperative banks ensure the social well-being of the public, and they have a 3-level format-

    a. State Co-operative Banks

    At this level comes the state-level cooperative banks that comprise of NABARD finance government and the RBI. In these banks, public distribution of the money is done.

    The ownership of these banks belongs to the government, and there are a few members who select the major management. SLR charges and concessional CRR also apply to these banks.

    List of State Co-operative banks

    • Kerala State Co-operative Bank Limited
    • The Maharashtra State Co-operative Bank Limited
    • Mizoram Co-operative Apex Bank
    • Tamil Nadu State Apex Co-operative Bank
    • West Bengal State Co-operative Bank
    • The Delhi State Co-operative Bank Ltd
    • Manipur State Co-operative Bank Ltd
    • The Gujarat State Co-operative Bank Ltd
    • Rajasthan State Co-operative Bank Ltd

    These are the district-level cooperative banks, and they are set up for the development of the agricultural sector in rural areas. There also run non-agricultural cooperatives with other unions. There is a district-level bank in each district in the country.

    b. Central Co-operative Banks

    A State Apex Central Co-operative bank represents every district-level bank. These banks are given loans at a very concessional interest rate which would always be 1%-2% less than the standard bank rate.

    c. Primary Agricultural Credit Societies

    Saraswat Bank | Type of Banks: Different Types of Banks in India

    They are the rural or village level cooperative banks. Their primary motto is to help and assist the agriculture sector financially. For keeping track and check on these banks government has given the responsibility to NABARD.

    List of Urban Co-operative banks

    • Abhyudaya Co-operative Bank Ltd
    • Ahmedabad Mercantile Co-Op Bank Limited
    • Amanath Co-operative Bank Limited
    • Andhra Pradesh Mahesh Co-Op Urban Bank Limited
    • Apna Sahakari Bank Limited
    • Bassein Catholic Co-operative Bank Limited
    • Bharat Co-operative Bank (Mumbai) Limited
    • Bombay Mercantile Co-operative Bank Limited
    • Citizen Credit Co-operative Bank Limited
    • Cosmos Bank
    • Dombivli Nagari Sahakari Bank Ltd.
    • Fingrowth Co-operative Bank Limited
    • Goa Urban Co-operative Bank Limited
    • Gopinath Patil Parsik Janata Sahakari Bank Limited
    • Greater Bombay Co-operative Bank Limited
    • GS Mahanagar Co-operative Bank Limited
    • Indian Mercantile Co-operative Bank Limited
    • Jalgaon Janata Sahakari Bank Limited
    • Jalgaon People’s Co-operative Bank Limited
    • Janakalyan Sahakari Bank Limited
    • Janalaxmi Co-operative Bank Limited
    • Janata Sahakari Bank Limited
    • Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited
    • Kalupur Commercial Co-op Bank Limited
    • Kalyan Janata Sahakari Bank Limited
    • Karad Urban Co-operative Bank Limited
    • Mapusa Urban Co-operative Bank of Goa Limited
    • Nagar Urban Co-operative Bank Limited
    • Nagpur Nagrik Sahakari Bank Limited
    • Nasik Merchant’s Co-operative Bank Limited
    • New India Co-operative Bank Limited
    • NKGSB Co-operative Bank Limited
    • Nutan Nagarik Sahakari Bank Limited
    • Osmanabad Janata Sahakari Bank Limited
    • Pravara Sahakari Bank Limited
    • Punjab and Maharashtra Co-operative Bank
    • Rajarambapu Sahakari Bank Limited
    • Rajkot Nagrik Sahakari Bank Limited
    • Rupee Co-operative Bank Limited
    • Sangli Urban Co-operative Bank Limited
    • Saraswat Bank
    • Sardar Bhiladwala Pardi People’s Co-op. Bank Limited
    • Shamrao Vithal Co-operative Bank
    • Shikshak Sahakari Bank Limited
    • Solapur Janata Sahakari Bank Limited
    • Surat Peoples Coop Bank Limited
    • Thane Bharat Sahakari Bank Limited
    • The Akola Janata Commercial Co-operative Bank Limited
    • The Akola Urban Co-operative Bank Limited
    • The Jaynagar Majilpur People’s Co-Operative Bank Limited
    • The Khamgaon Urban Co-operative Bank Limited
    • The Mehsana Urban Co-Op Bank Limited
    • TJSB Sahakari Bank
    • Vasai Vikas Sahakari Bank Limited
    • Zoroastrian Co-operative Bank Limited

    Also Read: Types of Joint Accounts Available in Banks in India

    3. Small Finance Banks

    Utkarsh Small Finance Bank | Type of Banks: Different Types of Banks in India

    These banks are regulated and monitored by the government of the country. They cater to a niche segment in society and assist with the financial inclusion of sections that are not taken care of by other major banks. The various sectors that they majorly serve are small industries, farmers, the unorganized sector, etc. The governing bodies of small finance banks are RBI and FEMA.

    List of small finance banks in the country:

    • AU Small Finance Bank
    • Capital Small Finance Bank
    • ESAF Small Finance Bank
    • Equitas Small Finance Bank
    • Fincare Small Finance Bank
    • Utkarsh Small Finance Bank
    • Jana Small Finance Bank
    • Suryoday Small Finance Bank
    • Northeast Small Finance Bank
    • Ujjivan Small Finance Bank

    It is a new banking model in India that has been recently approved by RBI with limited operations. These banks accept a maximum of rupees one lakh from one customer.

    4. Payments Bank

    Paytm Payments Bank | Type of Banks: Different Types of Banks in India

    Major services which they offer are debit cards, mobile banking, net & online banking, etc. They do not offer the facility of bank loans or credit cards as of now.

    List of the Payments banks are:

    Bank NameEstablishedHeadquartersBranchesRevenues
    Airtel Payments Bank2017New Delhi, Delhi ₹474 crores (FY2020)
    India Post Payments Bank2018New Delhi, Delhi650 Branches ₹48 crores (FY2019)
    Paytm Payments Bank2017Noida, Uttar Pradesh ₹29.8 crores (FY2020)
    Jio Payments Bank2018Mumbai, Maharashtra
    Fino Payments Bank2017Mumbai, Maharashtra410 Branches ₹689 crores (FY2020)
    NSDL Payments Bank2018Mumbai, Maharashtra

    Specialized Banks

    Banks are called specialized banks because they were started for determined purposes.  They excel in a specific product, service, or field and offer mission-based services to a particular section of society. Export and Import Bank (EXIM) is a part of specialized banks.

    Specialized banks offer different types of products or services such as foreign trade, financial assistance to industries, and heavy turnkey projects. They are also responsible for the industrial and economic development of the country.

    Types of Specialized banks

    1. Investment Banks

    This financial institution aids retail customers, organizations, and the government raise capital by underwriting or acting as the client’s agent in the issuance of securities. They also help companies that are undergoing mergers, acquisitions and offer other services like-

    • Trading of derivatives

    market-making

    • Fixed-income instruments
    • Commodities
    • Foreign exchange
    • Equity securities

    They also help the companies and individuals obtain funds and guide them on a wide range of transactions.

    2. Industrial Banks

    Their primary motto is to help and promote industrial development. They offer both medium and long-term loans to industrial sectors that are backed by supervision, consultancy, and expertise. They also offer other services to industries such as-

    • Project classification
    • Offering technical guidance
    • Formation of project reports
    • Managerial services
    • Underwriting of public issues
    • Help industrial units in getting capital by a consortium

    Some of the industrial banks in India are the Industrial Development Bank of India (IDB), Industrial Credit and Investment Corporation of India Ltd. (ICICI), Industrial Finance Corporation of India (IFCI), Industrial Reconstruction Bank of India (IRBI), etc.

    Also Read: 20 Best Banks for Business Loan in India

    3. Retail Banks:

    These banks offer regular services to retail customers. Some of the primary services that they provide are:

    • Savings accounts
    • Secured and unsecured loans
    • Recurring and fixed deposits
    • Safe deposit boxes
    • Certificates of deposit (CDs),
    • Mortgages
    • Consumer and car loan
    • Checks and savings accounting
    • Personal credit cards

    Types of Retail Banks

    1. Community Development Banks- These banks offer services, particularly to an underserved market.
    2. Private Banks- Several retail banks run the assets of individuals with high net worth and offer special services such as wealth management.
    3. Savings Banks- These banks can also be deposit-oriented bank branches that might also be an extension of an existing bank branch that accepts savings deposits and offer basic banking services.
    4. Postal savings Banks- These banks are managed and run by National Post Departments. They provide basic services to individual customers. It has been observed that postal savings banks are more beneficial in small towns and villages.

    4. Land Development Banks

    These banks are made especially to support agriculture and land development. The best thing about these banks is that they offer long-term loans to the agriculture sector for various purposes like buying tractors and pump sets, land improvement, digging wells, etc.

    Land Development gets funds by issuing debentures that are mostly subscribed by State Bank groups, LIC, other commercial banks, and RBI itself. Farmers get loans against the security of their land through land development banks.

    5. Import-Export Banks

    The government sets them up for promoting trade activities in import and export. Various services that they offer to importers and exporters are:

    • Financial assistance
    • Act as their major financial institution
    • Facilitates the growth of international trade
    • Financing of export-oriented units
    • They also finance and insure the foreign purchase of goods for customers who are unable to accept credit risk.

    Recommended: List of Commercial Banks in India

    This article increases awareness of the types of banks in India. Also, this would help you make a wise decision on which bank to invest in or which bank can give you more benefit in terms of interest, loan, cards, etc. So, choose wisely and invest in the bank where you think you can reap maximum benefits.

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    sushma
    Sushma Singh

      Sushma is a seasoned business writer and content creator with over 7 years of experience in the field. She has a talent for taking complex topics and breaking them down into easily understandable language that engages and educates her readers. Her expertise allows her to cover a wide range of topics relevant to the B2B industry, providing business owners with the knowledge they need to make informed decisions and drive growth.

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