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The commercial banks which are included in the second schedule of the Reserve Bank of India Act 1934 is more popularly known as Scheduled Commercial Banks (SCB). Further scheduled commercial banks are classified into five different groups based on the nature of operation and ownership. The major difference between Scheduled Commercial Banks and Scheduled Cooperative Banks is their holding pattern since cooperatives are registered under the Cooperative Societies Act as cooperative credit institutions.
They are as mentioned below:
- Nationalized Banks
- State Bank of India and its associates
- Foreign Banks
- Private Sector Banks
- Regional Rural Banks (RRBs)
Banks not under the 2nd Schedule of the Reserve Bank of India Act, 1934 are called non-scheduled banks. Non-scheduled banks are also subject to the statutory cash reserve requirement. But they are not required to keep them with the RBI; they may keep these balances with themselves. They are not entitled to borrow from the RBI for normal banking purposes, though they may approach the RBI for accommodation under abnormal circumstances.
The module includes:
- Analysis of Assets and Liabilities
- CRR and SLR
- Types of Deposits
- Types of Account Holders
- Guidelines for Opening Accounts
- Loans and Advances
- NPA – Management and Resolutions
- Micro Prudential Norms
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