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    Financial Institutions in India

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    puneet singh
    Financial institutions in India provide important financial services and act as intermediaries between savers and borrowers. They include central banks like the Reserve Bank of India, commercial banks, specialized financial institutions, insurance companies, and credit rating agencies. The RBI regulates monetary policy and the banking system, while other regulatory bodies like SEBI and IRDA oversee securities and insurance respectively. Together these institutions play a key role in managing India's money supply, facilitating investment and economic growth.

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    Financial Institutions in India

    Uploaded by

    puneet singh
    117 views18 pages
    Financial institutions in India provide important financial services and act as intermediaries between savers and borrowers. They include central banks like the Reserve Bank of India, commercial banks, specialized financial institutions, insurance companies, and credit rating agencies. The RBI regulates monetary policy and the banking system, while other regulatory bodies like SEBI and IRDA oversee securities and insurance respectively. Together these institutions play a key role in managing India's money supply, facilitating investment and economic growth.

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    Financial institutions in India provide important financial services and act as intermediaries between savers and borrowers. They include central banks like the Reserve Bank of India, commercial banks, specialized financial institutions, insurance companies, and credit rating agencies. The RBI regulates monetary policy and the banking system, while other regulatory bodies like SEBI and IRDA oversee securities and insurance respectively. Together these institutions play a key role in managing India's money supply, facilitating investment and economic growth.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    117 views18 pages

    Financial Institutions in India

    Uploaded by

    puneet singh
    Financial institutions in India provide important financial services and act as intermediaries between savers and borrowers. They include central banks like the Reserve Bank of India, commercial banks, specialized financial institutions, insurance companies, and credit rating agencies. The RBI regulates monetary policy and the banking system, while other regulatory bodies like SEBI and IRDA oversee securities and insurance respectively. Together these institutions play a key role in managing India's money supply, facilitating investment and economic growth.

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    of 18

    Financial

    Institutions in
    India
    By
    Pavan Mandowara

    Meaning & Definition

    Provides financial services to its clients,


    Mostly act as a financial Intermediatories,
    Convert the savings into investments,
    Transfer funds from investors to
    companies who need funds,
    Main and biggest supplier of finance,
    Controlled & supervised by rules &
    regulations made by Govt. Authorities.

    Financial Institutions in
    India

    Central Bank
    Commercial Banks
    Financial Authorities
    Specialized Financial Institutions
    Insurance Companies
    Credit Rating Agencies

    Central Bank (RBI)

    To regulate the issue of Bank Notes and


    keeping of reserves,
    with a view to securing monetary stability in
    India and,
    generally to operate the currency and credit
    system of the country to its advantage."

    Current Functions &


    Focus of RBI

    Supervision of financial institutions


    Consolidated accounting
    Legal issues in bank frauds
    Divergence in assessments of nonperforming assets and
    Supervisory rating model for banks.
    Manager of Foreign Exchange,
    Issuer of Currency
    Annual Publications

    Main Points
    Repo Rates: - is the rate at
    which banks borrows money
    from RBI. 8%
    Reverse Repo Rates: - is
    the rate at which RBI borrows
    money from banks. 7%

    CRR: - Cash Reserve Ratio, is the


    amount of funds the bank have to
    keep with RBI. 6%
    SLR: - Statutory Liquidity Ratio, is
    the amount need to be maintain in
    cash or gold or govt. securities.
    24%
    Bank Rate: - 6%

    Commercial Banks

    Processing of payments by way of telegraphic


    transfer, internet banking, or other means
    Issuing bank drafts & bank cheques,
    Accepting money on term deposits,
    Lending money by overdraft, instalment loan, or
    other means
    Providing documentary and standby letter of credit,
    guarantees, performance bonds, securities
    underwriting commitments and other forms of off
    balance sheet exposures
    Safekeeping of documents and other items in safe
    deposit boxes,
    sale, distribution or brokerage.

    Public Sector Banks

    Private Sector Banks

    Foreign Banks in India

    Financial Regulatory
    SEBI: - Securities Exchange
    Board of India
    IRDA: - Insurance Regulatory
    Development Authority

    Specializes Financial
    Institutions
    Export Credit Guarantee Corporation of India
    Ltd.
    EXIM Bank
    ICICI: - Industrial Credit & Investment
    Corporation of India
    IDBI: - Industrial Development Bank of India
    IFCI: - Industrial Finance Corporation of India
    UTI: - Unit Trust of India
    NABARD: - National Agriculture Bank For Rural
    Development
    SIDBI: - Small Industrial Development Bank of
    India

    Insurance Companies
    GIC: - General Insurance Corporation
    of India
    LIC: - Life Insurance Corporation
    New India Assurance Company
    United India Insurance Company

    Credit Rating Agencies


    CRISIL: - Credit Rating Information
    Services of India Ltd.
    CARE: - Credit Analysis & Research
    Ltd.
    ICRA: - Investment Information &
    Credit Rating Agency of India
    DCR India: - Duff & Phelps Credit
    Rating India Pvt. Ltd.

    CONCLUSION

    Central Bank
    Commercial Banks
    Financial Authorities
    Specialized Financial Institutions
    Insurance Companies
    Credit Rating Agencies

    THANK YOU

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