BANKING | MINDMAPS | ECONOMY | UPSC CSE скачать в хорошем качестве

BANKING | MINDMAPS | ECONOMY | UPSC CSE

BANKING | MINDMAPS | ECONOMY | UPSC CSE From SBI to Paytm! 🏦 In this mindmap video for UPSC CSE, we decode the massive structure of the **Indian Banking System**. We move beyond the simple "Govt vs. Private" debate and break down the technical hierarchy: What makes a bank "Scheduled"? Why do RRBs have a unique shareholding pattern? And how are Payment Banks different from regular banks? [attachment_0](attachment) 🏦 *Video Mindmap: Banking Structure* ► *1. Classification (The Hierarchy)* • *Scheduled Banks:* Listed in the *2nd Schedule* of the **RBI Act, 1934**. • Criteria: Paid-up capital less than ₹5 Lakhs & acts in depositor interest. • *Non-Scheduled Banks:* Not listed (Very few remain). ► *2. Commercial Banks (SCBs)* • *Public Sector Banks (PSBs):* Govt less than 51% stake. • *Nationalization:* 14 Banks (1969) + 6 Banks (1980). • *Current Status:* Mega Mergers reduced them to **12 PSBs**. (SBI + 11 Nationalized). • *Private Banks:* New Gen (HDFC, ICICI) vs. Old Gen. • *Foreign Banks:* Operate via Branches or Wholly Owned Subsidiaries (WOS). ► *3. Regional Rural Banks (RRBs) - High Yield* • *Committee:* Narshimham Committee (1975). • *Ownership Pattern (The 50:15:35 Rule):* • *Central Govt:* 50% 🇮🇳 • *Sponsor Bank:* 35% 🏦 • *State Govt:* 15% 🏛️ • *Priority Sector Lending (PSL):* Target is *75%* (Higher than 40% for Commercial Banks). ► *4. Cooperative Banks* • *Structure:* 3-Tier (State ➡ District ➡ PACS). • *Regulation:* Originally "Dual Control" (RBI + State Registrar). Now brought under stricter RBI supervision (Banking Regulation Amendment Act, 2020). ► *5. Differentiated Banks (New Era)* • *Committee:* Nachiket Mor. • *Payment Banks:* Can accept deposits (up to ₹2 Lakh) but *CANNOT lend* (No Loans/Credit Cards). 🛑 • *Small Finance Banks (SFBs):* Can lend; focus on unserved sections. This video clears the confusion between "Nationalized" and "Public Sector." 🔔 *Subscribe* for the next video on NPA Crisis & Basel Norms! Download the High-Res Mindmap PDF: [Your Telegram Link] *Related Playlists:* ► Indian Economy (Complete Series): [Link] ► Economy Mindmaps: [Link] #BankingSystem #RRBShareholding #ScheduledBanks #PaymentBanks #SmallFinanceBanks #PSBMerger #NarshimhamCommittee #NachiketMor #UPSC #Economy #PrioritySectorLending