INDIAN BANKING SYSTEM

- an Overview

AUGUST,2013

MAIN PLAYERS
Agencies:
DFIs

Institutions
ICICI,IDBI,IFCI

Banks
NBFCs NHB / HFCs AGRI. FIs SSI FIs

Com.Banks /Pvt.Banks
Lease/HirePurchase Co HDFC / SBI Home etc. NABARD SIDBI

FUNCTIONS
DFIs
Banks NBFCs NHB / HFCs AFIs SSI FIs

: Project Financing
: Working Capital loans : Balancing Equip./Com.Vehicle Financing : Housing Finance : Agriculture Lending : SSI & SME Funding

DFIs PROJECT FINANCE

Required by : Industrial Units large / Medium / Small

Products

: Term Loans - with Moratorium - without Moratorium

: i) Technical Team ii) Financial Team

Appraisal by

Appraisal based on : Project Report / Technical Feasibility Study / Projections of Financial Statements

BANKs WORKING CAPITAL

Required by Products Appraised by Appraisal based on : Industries/Traders/Service Ind. : Cash Credit / Overdraft : Bank Officials : CMA data / Tandon & Chore Committee Recommendations/ MPBF working

NBFCs LEASE/HIRE PURCHASE

Required by Products : Industries / Tertiary sector : Lease / Hire Purchase (Equipment / Com.Vehicle Financing) : Company officials

Appraisal by

Appraisal based on : FIs Appraisal Note / Project Report / Projections of Financial Statements

AGRICULTURE LENDING
Required by Products : Farmers / Agriculture Societies : Agriculture Loans/ Overdraft (Tractor Financing Seeds/Fertiliser purchasing) : Agriculture Officers / Bank Officers

Appraisal by

Funding Provided by: Commercial Banks / Co-op. Banks

Re-Finance Provided by: NABARD

SSI / SME LENDING

Required by Products : Small & Medium Enterprises : Term Loans / Working Capital

Appraisal by
Funding Provided by Re-Finance Provided by

: Bank Officers
: Commercial Banks : SIDBI in eligible cases

THANK YOU