INDIAN BANKING SYSTEM

- an Overview

AUGUST,2013

MAIN PLAYERS
Agencies:
DFIs Banks NBFCs NHB / HFCs !"#I. FIs I FIs

Instituti ns
ICICI,IDBI,IFCI Com.Banks /Pvt.Banks Lease/HirePurchase Co HDFC / BI Home etc. N!B!#D IDBI

!UN"TI#NS
D!Is B$n%s NB!"s N&B ' &!"s A!Is SSI !Is $ Pro%ect Financin& $ 'orkin& Ca(ita) )oans $ Ba)ancin& *+ui(./Com.,ehic)e Financin& $ Housin& Finance $ !&ricu)ture Len-in& $ I . /* Fun-in&

D!Is ( PR#)E"T !INAN"E

#e+uire- 01 Pro-ucts $ In-ustria) 2nits )ar&e / /e-ium / ma)) $ 3erm Loans - with /oratorium - without /oratorium $ i4 3echnica) 3eam ii4 Financia) 3eam

!((raisa) 01

!((raisa) 0ase- on $ Pro%ect #e(ort / 3echnica) Feasi0i)it1 tu-1 / Pro%ections o5 Financia) tatements

BANKs ( *#RKING "APITAL

#e+uire- 01 Pro-ucts !((raise- 01 !((raisa) 0ase- on workin& $ In-ustries/3ra-ers/ ervice In-. $ Cash Cre-it / Over-ra5t $ Bank O55icia)s $ C/! -ata / 3an-on . Chore Committee #ecommen-ations/ /PBF

NB!"s (LEASE'&IRE PUR"&ASE

#e+uire- 01 Pro-ucts $ In-ustries / 3ertiar1 sector $ Lease / Hire Purchase 6*+ui(ment / Com.,ehic)e Financin&4 $ Com(an1 o55icia)s

!((raisa) 01

!((raisa) 0ase- on $ FI7s !((raisa) Note / Pro%ect #e(ort / Pro%ections o5 Financia) tatements

AGRI"ULTURE LENDING
#e+uire- 01 Pro-ucts $ Farmers / !&ricu)ture ocieties $ !&ricu)ture Loans/ Over-ra5t 63ractor Financin& ee-s/Ferti)iser (urchasin&4 $ !&ricu)ture O55icers / Bank O55icers

!((raisa) 01

Fun-in& Provi-e- 01$ Commercia) Banks / Co-o(. Banks #e-Finance Provi-e- 01$ N!B!#D

SSI ' SME LENDING

#e+uire- 01 Pro-ucts !((raisa) 01 Fun-in& Provi-e- 01 #e-Finance Provi-e- 01 $ ma)) . /e-ium *nter(rises $ 3erm Loans / 'orkin& Ca(ita) $ Bank O55icers $ Commercia) Banks $ IDBI in e)i&i0)e cases