Commercial Banks in India
Introduction
Banks form the core of every nation's economy and contribute significantly to its growth and financial development. In India, the Reserve Bank of India Act of 1934 categorizes major banks as commercial entities, but there are also other classifications such as microfinance banks, payment banks, and cooperative banks within the planned banking framework.
Commercial banks encompass various categories such as public sector banks, private sector banks, foreign banks, local banks, and regional banks, all governed by the Banking Regulation Act of 1949. This legislation empowers them to engage in financial activities, accept deposits, and extend credit to individuals, businesses, and the government.
These banks offer a wide array of financial services including loans, certificates of deposit, savings accounts, and overdraft facilities, generating revenue primarily through interest earned on loans disbursed to customers. The loans provided span across different categories such as business, automotive, real estate, personal, and educational loans.
Funded by customer deposits across various account types, commercial banks utilize these funds as capital to facilitate lending activities, thereby playing a crucial role in stimulating market capital, credit availability, and financial liquidity. While traditionally situated in urban centers, modern technology enables widespread access to their services beyond geographical confines.
History Of Commercial Banks in India
The history of commercial banking in India is rich, with some institutions boasting a century-long legacy and a widespread branch network across the nation. Since independence, Indian commercial banks have undergone three distinct phases of evolution.
During the period between 1955 and 1970, the Indian banking landscape witnessed the emergence of the public sector, marked by the establishment of the National Bank of India in 1955 and culminating in the nationalization of fourteen major banks in 1969.
Subsequently, in the 1970s and 1980s, there was a transition from class banking to mass banking, characterized by extensive branch expansion and increased focus on financing priority sectors, particularly catering to the needs of the underprivileged segments of society.
However, challenges emerged in the post-nationalization era, including issues related to inadequate staff training, declining efficiency and productivity, rising non-performing loans, and heightened capital requirements to comply with regulatory standards. These challenges prompted a significant policy shift in 1991, with the government introducing a new economic policy.
To address these issues, a Financial Sector Committee led by Sri M. Narasimham was formed to recommend a comprehensive set of measures aimed at enhancing the efficiency, productivity, and profitability of banks in India.
Categories of Commercial Banks
Commercial banks can be classified into three main types:
Private Banks:
These banks are predominantly owned by individuals and business entities, who hold the majority of the share capital. Examples include HDFC Bank, ICICI Bank, and Yes Bank.
Public Banks:
In this category, the majority stake is held by the government. Prominent examples include State Bank of India (SBI), Bank of Baroda (BoB), and Punjab National Bank (PNB).
Foreign Banks:
These banks originate from foreign countries and establish branches in India. Examples include American Express Bank, Hong Kong and Shanghai Banking Corporation (HSBC), and Citibank.
Commercial Banks' Operations
The functions of commercial banks are categorized into primary and secondary roles. Primary functions entail accepting deposits and extending loans, while secondary functions encompass offering services like overdraft facilities and safe deposit lockers.
These banks serve as fundamental financial institutions for the public, catering to individuals and small businesses. They generate revenue through service charges, which vary depending on the provided services such as overdraft facilities and locker rentals. Additionally, loans incur interest charges beyond the principal amount.
Commercial banks profit primarily from lending activities, utilizing funds sourced from customer deposits. They typically offer higher interest rates on loans while providing comparatively lower interest rates on deposited amounts. For instance, a bank may offer a 2% interest rate on savings accounts while charging a 4.8% annual interest rate on mortgages.
These institutions are strategically located in areas accessible to customers, often equipped with ATMs and teller services. With the advancement of Internet technology, most banks now facilitate online transactions, allowing customers to manage their finances remotely by transferring funds, making deposits, and paying bills electronically.
Significance of Commercial Banks in India
Commercial banks hold paramount importance in the Indian economy by providing essential services to customers, fostering market liquidity, and fostering capital formation. They ensure market liquidity by utilizing customer deposits for lending purposes. Through credit creation, commercial banks actively contribute to economic stimulation, leading to enhanced production, increased employment opportunities, and heightened consumer spending.
Given their pivotal role, commercial banks are subject to stringent regulations enforced by the central bank of the country or region. For instance, reserve requirements are imposed by the central bank on commercial banks. This mandates that banks maintain a specific percentage of consumer deposits with the central bank as a precautionary measure for potential withdrawal demands from the general public.
Home Loan Interest Rates Offered by Commercial Banks in India
Despite the Reserve Bank of India (RBI) raising repo rates by 190 basis points consecutively since May 2022, the second half of the year witnessed a surge in Indian mortgage rates. Nearly all banks have adjusted their home loan rates in response to this rate hike. As of October 5, 2022, the following banks are offering the most competitive home loan rates:
Central Bank of India: 7.50%
Union Bank of India: 7.75%
Canara Bank: 7.80%
Punjab National Bank: 7.90%
Bank of Baroda: 7.95%
Axis Bank: 8.10%
State Bank of India: 8.15%
Kotak Mahindra Bank: 8.49%
HDFC: 8.60%
ICICI Bank: 9.25%
Loan Analysis of Top 5 Commercial Banks in India
Union Bank of India:
Union Bank of India, headquartered in Mumbai, gained attention in 2020 with the merger of Andhra Bank and Corporation Bank. Presently, the bank boasts over 9,300 branches and 11,800 ATMs.
Maximum Term: 30 Years
Processing Fee: 0.50% of Loan Amount up to Rs 15,000 + GST
Scale of Affordability: High
Advantages: No maximum mortgage amount set by Union Bank.
Cons: Limited number of branches compared to some public lenders.
Interest Rates:
Union Bank of India Home Loan: 8.50%
Union Bank of India Personal Loan: 10.4%
Kotak Mahindra Bank:
Led by Uday Kotak, this rapidly growing private financial institution has a presence in over 100 cities across India. Kotak Mahindra currently offers competitive mortgage rates.
Longest Service: 30 Years
Fees: Currently None (Typically 0.5-1% of the loan amount)
Scale of Affordability: High
Benefits: Offers instant mortgage approval through the Kotak Digi Home Loan Facility. Maintains the lowest interest rates in the market and focuses primarily on the housing finance segment.
Cons: Limited market penetration in India compared to some government banks. Physical branch visitation is required for mortgage transactions.
Interest Rates:
Kotak Mahindra Bank Personal Loan: 10.8 – 12%
Kotak Mahindra Bank Business Loan: 15 – 16%
Kotak Mahindra Bank Loan Against Property: 8.75 – 9.45%
Kotak Mahindra Bank Home Loan: 6.95 – 7.75%
Bank of Baroda:
Originating from Vadodara, Bank of Baroda gained prominence as India's third-largest bank post its merger with Dena Bank and Vijaya Bank in April 2019. Established in 1908 by the Maharajah of Baroda along with thirteen other significant commercial banks in India, it was later nationalized by the government on July 19, 1969. Presently, it operates over 10,000 branches in India and abroad.
Interest Rates:
Bank of Baroda Personal Loan: 9.76 – 11%
Bank of Baroda Business Loan: 13.9 – 15%
Bank of Baroda Loan Against Property: 8.2 – 9.5%
Bank of Baroda Home Loan: 6.9 – 7.8%
Maximum Duration: 30 Years
Processing Fee: Currently None
Affordability: High
Pros: Easy loan processing via our online platform.
Cons: Borrowers with poor credit may find higher borrowing costs, and public lenders tend to be slow in sharing essential information with borrowers.
Punjab National Bank (PNB):
PNB, India’s second-largest public sector bank, offers competitive home loan rates. Established in 1894 and headquartered in New Delhi, PNB serves over 8 crore customers in 764 cities through 6,937 branches.
Interest Rates:
PNB Home Loan: 4 – 8.9%
PNB Personal Loan: 8.75 – 9%
Maximum Holding Period: 30 years
Fees: None currently; typically 0.35% of the loan amount (with lower and upper limits of Rs 2,500 and Rs 15,000 respectively).
Affordability Scale: High
Pros: Temporary waiver of processing fees, rewards for good credit borrowers.
Cons: Recent controversies and alleged involvement in fraud cases may tarnish the bank's image; service may be less customer-friendly compared to private lenders.
State Bank of India (SBI):
As India’s largest mortgage lender, SBI has assisted over 30,000 home buyers. Established in 1955, SBI operates over 24,000 branches in India and abroad, dominating the mortgage segment with a book size of Rs 5.5 trillion.
Interest Rates:
SBI Personal Loan: 9.5 – 10.9%
SBI Home Loan: 7 – 8.5%
SBI Loan Against Property: 9.45 – 10.5%
SBI Business Loan: 11.05 – 12%
Maximum Term: 30 Years
Service Fee: GST of 0.40% of the loan amount (minimum Rs 10,000, maximum Rs 30,000); for projects linked to the developer, the rate is 0.40% with a maximum of Rs 10,000 + tax.
Affordability Scale: High
Pros: Quick to cut rates when the RBI reduces its repo rate; reputed for reliability and financial strength.
Cons: Stringent documentation requirements; borrowers with lower credit scores may face higher interest rates.
List of Top 10 commercial banks in India
In India's vast banking landscape, selecting the best commercial bank can be a daunting task. To simplify your decision-making process, here is a compilation of the top 10 commercial banks in India:
State Bank of India (SBI)
As India's largest commercial bank, SBI boasts over 24,000 branches across India and 190+ branches in 36 countries. It holds a significant market share in loans, deposits, and assets, with the government owning 61.23% as of March 2019.
Product Interest Rates
SBI Personal Loan 11.15%
SBI Home Loan 8.40% - 10.05%
SBI Business Loan 11.20%
SBI Loan Against Property 10% - 11.55%
HDFC Bank
A prominent private sector bank, HDFC Bank has garnered praise for its customer service and innovative products. With over 5,100 branches and total market assets exceeding 11,89,432 crores, HDFC Bank is a key player in the Indian banking sector.
HDFC Personal Loan 10.65%
HDFC Home Loan 8.50% - 9.15%
HDFC Business Loan 11.90%
HDFC Loan Against Property 9.50% - 11.00%
ICICI Bank
Established in 1994, ICICI Bank is among the top 5 commercial banks in India. It operates over 4,800 branches and 14,000+ ATMs across India, with a strong presence in 17 international locations.
ICICI Personal Loan 10.50%
ICICI Home Loan 9.00% - 10.05%
ICICI Loan Against Property 10.85% - 12.50%
Kotak Mahindra Bank
Kotak Mahindra Bank, founded in 2003, ranks as the second-largest private-sector bank in India. With total assets exceeding Rs. 2.14 trillion and over 1,300 branches, it has established itself as a leading name in the banking sector.
Kotak Mahindra Bank Personal Loan 10.50%
Kotak Mahindra Bank Home Loan 8.70%
Kotak Mahindra Bank Loan Against Property 9.15% - 10.50%
Kotak Mahindra Bank Business Loan 16.00%
Bank of Baroda
Founded in 1908, the Bank of Baroda is one of India's leading public sector banks. Following its merger with Dena Bank and Vijaya Bank, it has become the third-largest bank in India.
Bank of Baroda Personal Loan 10.10%
Bank of Baroda Home Loan 8.40% - 10.60%
Bank of Baroda Loan Against Property 10.85% - 16.50%
Bank of Baroda Business Loan 10.85%
Axis Bank
IndusInd Bank
Punjab National Bank (PNB)
Bank of India
Canara Bank
These top commercial banks play a crucial role in India's economic development by offering various banking services and loans to individuals and businesses.
Conclusion
In conclusion, the top commercial banks in India play a pivotal role in the nation's financial landscape, offering a wide array of banking services and loan products to cater to the diverse needs of individuals and businesses. From State Bank of India, the largest player in the market, to HDFC Bank, known for its innovative products and customer service, each bank contributes significantly to the country's economic growth and development. These banks not only provide assistance in opening bank accounts but also extend various types of loans, such as personal loans, home loans, and business loans, which stimulate consumption, investment, and overall economic activity. With their extensive branch networks, robust digital infrastructure, and commitment to customer satisfaction, these top commercial banks continue to be the cornerstone of India's financial system, driving progress and prosperity across the nation.
Introduction
Banks form the core of every nation's economy and contribute significantly to its growth and financial development. In India, the Reserve Bank of India Act of 1934 categorizes major banks as commercial entities, but there are also other classifications such as microfinance banks, payment banks, and cooperative banks within the planned banking framework.
Commercial banks encompass various categories such as public sector banks, private sector banks, foreign banks, local banks, and regional banks, all governed by the Banking Regulation Act of 1949. This legislation empowers them to engage in financial activities, accept deposits, and extend credit to individuals, businesses, and the government.
These banks offer a wide array of financial services including loans, certificates of deposit, savings accounts, and overdraft facilities, generating revenue primarily through interest earned on loans disbursed to customers. The loans provided span across different categories such as business, automotive, real estate, personal, and educational loans.
Funded by customer deposits across various account types, commercial banks utilize these funds as capital to facilitate lending activities, thereby playing a crucial role in stimulating market capital, credit availability, and financial liquidity. While traditionally situated in urban centers, modern technology enables widespread access to their services beyond geographical confines.
History Of Commercial Banks in India
The history of commercial banking in India is rich, with some institutions boasting a century-long legacy and a widespread branch network across the nation. Since independence, Indian commercial banks have undergone three distinct phases of evolution.
During the period between 1955 and 1970, the Indian banking landscape witnessed the emergence of the public sector, marked by the establishment of the National Bank of India in 1955 and culminating in the nationalization of fourteen major banks in 1969.
Subsequently, in the 1970s and 1980s, there was a transition from class banking to mass banking, characterized by extensive branch expansion and increased focus on financing priority sectors, particularly catering to the needs of the underprivileged segments of society.
However, challenges emerged in the post-nationalization era, including issues related to inadequate staff training, declining efficiency and productivity, rising non-performing loans, and heightened capital requirements to comply with regulatory standards. These challenges prompted a significant policy shift in 1991, with the government introducing a new economic policy.
To address these issues, a Financial Sector Committee led by Sri M. Narasimham was formed to recommend a comprehensive set of measures aimed at enhancing the efficiency, productivity, and profitability of banks in India.
Categories of Commercial Banks
Commercial banks can be classified into three main types:
Private Banks:
These banks are predominantly owned by individuals and business entities, who hold the majority of the share capital. Examples include HDFC Bank, ICICI Bank, and Yes Bank.
Public Banks:
In this category, the majority stake is held by the government. Prominent examples include State Bank of India (SBI), Bank of Baroda (BoB), and Punjab National Bank (PNB).
Foreign Banks:
These banks originate from foreign countries and establish branches in India. Examples include American Express Bank, Hong Kong and Shanghai Banking Corporation (HSBC), and Citibank.
Commercial Banks' Operations
The functions of commercial banks are categorized into primary and secondary roles. Primary functions entail accepting deposits and extending loans, while secondary functions encompass offering services like overdraft facilities and safe deposit lockers.
These banks serve as fundamental financial institutions for the public, catering to individuals and small businesses. They generate revenue through service charges, which vary depending on the provided services such as overdraft facilities and locker rentals. Additionally, loans incur interest charges beyond the principal amount.
Commercial banks profit primarily from lending activities, utilizing funds sourced from customer deposits. They typically offer higher interest rates on loans while providing comparatively lower interest rates on deposited amounts. For instance, a bank may offer a 2% interest rate on savings accounts while charging a 4.8% annual interest rate on mortgages.
These institutions are strategically located in areas accessible to customers, often equipped with ATMs and teller services. With the advancement of Internet technology, most banks now facilitate online transactions, allowing customers to manage their finances remotely by transferring funds, making deposits, and paying bills electronically.
Significance of Commercial Banks in India
Commercial banks hold paramount importance in the Indian economy by providing essential services to customers, fostering market liquidity, and fostering capital formation. They ensure market liquidity by utilizing customer deposits for lending purposes. Through credit creation, commercial banks actively contribute to economic stimulation, leading to enhanced production, increased employment opportunities, and heightened consumer spending.
Given their pivotal role, commercial banks are subject to stringent regulations enforced by the central bank of the country or region. For instance, reserve requirements are imposed by the central bank on commercial banks. This mandates that banks maintain a specific percentage of consumer deposits with the central bank as a precautionary measure for potential withdrawal demands from the general public.
Home Loan Interest Rates Offered by Commercial Banks in India
Despite the Reserve Bank of India (RBI) raising repo rates by 190 basis points consecutively since May 2022, the second half of the year witnessed a surge in Indian mortgage rates. Nearly all banks have adjusted their home loan rates in response to this rate hike. As of October 5, 2022, the following banks are offering the most competitive home loan rates:
Central Bank of India: 7.50%
Union Bank of India: 7.75%
Canara Bank: 7.80%
Punjab National Bank: 7.90%
Bank of Baroda: 7.95%
Axis Bank: 8.10%
State Bank of India: 8.15%
Kotak Mahindra Bank: 8.49%
HDFC: 8.60%
ICICI Bank: 9.25%
Loan Analysis of Top 5 Commercial Banks in India
Union Bank of India:
Union Bank of India, headquartered in Mumbai, gained attention in 2020 with the merger of Andhra Bank and Corporation Bank. Presently, the bank boasts over 9,300 branches and 11,800 ATMs.
Maximum Term: 30 Years
Processing Fee: 0.50% of Loan Amount up to Rs 15,000 + GST
Scale of Affordability: High
Advantages: No maximum mortgage amount set by Union Bank.
Cons: Limited number of branches compared to some public lenders.
Interest Rates:
Union Bank of India Home Loan: 8.50%
Union Bank of India Personal Loan: 10.4%
Kotak Mahindra Bank:
Led by Uday Kotak, this rapidly growing private financial institution has a presence in over 100 cities across India. Kotak Mahindra currently offers competitive mortgage rates.
Longest Service: 30 Years
Fees: Currently None (Typically 0.5-1% of the loan amount)
Scale of Affordability: High
Benefits: Offers instant mortgage approval through the Kotak Digi Home Loan Facility. Maintains the lowest interest rates in the market and focuses primarily on the housing finance segment.
Cons: Limited market penetration in India compared to some government banks. Physical branch visitation is required for mortgage transactions.
Interest Rates:
Kotak Mahindra Bank Personal Loan: 10.8 – 12%
Kotak Mahindra Bank Business Loan: 15 – 16%
Kotak Mahindra Bank Loan Against Property: 8.75 – 9.45%
Kotak Mahindra Bank Home Loan: 6.95 – 7.75%
Bank of Baroda:
Originating from Vadodara, Bank of Baroda gained prominence as India's third-largest bank post its merger with Dena Bank and Vijaya Bank in April 2019. Established in 1908 by the Maharajah of Baroda along with thirteen other significant commercial banks in India, it was later nationalized by the government on July 19, 1969. Presently, it operates over 10,000 branches in India and abroad.
Interest Rates:
Bank of Baroda Personal Loan: 9.76 – 11%
Bank of Baroda Business Loan: 13.9 – 15%
Bank of Baroda Loan Against Property: 8.2 – 9.5%
Bank of Baroda Home Loan: 6.9 – 7.8%
Maximum Duration: 30 Years
Processing Fee: Currently None
Affordability: High
Pros: Easy loan processing via our online platform.
Cons: Borrowers with poor credit may find higher borrowing costs, and public lenders tend to be slow in sharing essential information with borrowers.
Punjab National Bank (PNB):
PNB, India’s second-largest public sector bank, offers competitive home loan rates. Established in 1894 and headquartered in New Delhi, PNB serves over 8 crore customers in 764 cities through 6,937 branches.
Interest Rates:
PNB Home Loan: 4 – 8.9%
PNB Personal Loan: 8.75 – 9%
Maximum Holding Period: 30 years
Fees: None currently; typically 0.35% of the loan amount (with lower and upper limits of Rs 2,500 and Rs 15,000 respectively).
Affordability Scale: High
Pros: Temporary waiver of processing fees, rewards for good credit borrowers.
Cons: Recent controversies and alleged involvement in fraud cases may tarnish the bank's image; service may be less customer-friendly compared to private lenders.
State Bank of India (SBI):
As India’s largest mortgage lender, SBI has assisted over 30,000 home buyers. Established in 1955, SBI operates over 24,000 branches in India and abroad, dominating the mortgage segment with a book size of Rs 5.5 trillion.
Interest Rates:
SBI Personal Loan: 9.5 – 10.9%
SBI Home Loan: 7 – 8.5%
SBI Loan Against Property: 9.45 – 10.5%
SBI Business Loan: 11.05 – 12%
Maximum Term: 30 Years
Service Fee: GST of 0.40% of the loan amount (minimum Rs 10,000, maximum Rs 30,000); for projects linked to the developer, the rate is 0.40% with a maximum of Rs 10,000 + tax.
Affordability Scale: High
Pros: Quick to cut rates when the RBI reduces its repo rate; reputed for reliability and financial strength.
Cons: Stringent documentation requirements; borrowers with lower credit scores may face higher interest rates.
List of Top 10 commercial banks in India
In India's vast banking landscape, selecting the best commercial bank can be a daunting task. To simplify your decision-making process, here is a compilation of the top 10 commercial banks in India:
State Bank of India (SBI)
As India's largest commercial bank, SBI boasts over 24,000 branches across India and 190+ branches in 36 countries. It holds a significant market share in loans, deposits, and assets, with the government owning 61.23% as of March 2019.
Product Interest Rates
SBI Personal Loan 11.15%
SBI Home Loan 8.40% - 10.05%
SBI Business Loan 11.20%
SBI Loan Against Property 10% - 11.55%
HDFC Bank
A prominent private sector bank, HDFC Bank has garnered praise for its customer service and innovative products. With over 5,100 branches and total market assets exceeding 11,89,432 crores, HDFC Bank is a key player in the Indian banking sector.
HDFC Personal Loan 10.65%
HDFC Home Loan 8.50% - 9.15%
HDFC Business Loan 11.90%
HDFC Loan Against Property 9.50% - 11.00%
ICICI Bank
Established in 1994, ICICI Bank is among the top 5 commercial banks in India. It operates over 4,800 branches and 14,000+ ATMs across India, with a strong presence in 17 international locations.
ICICI Personal Loan 10.50%
ICICI Home Loan 9.00% - 10.05%
ICICI Loan Against Property 10.85% - 12.50%
Kotak Mahindra Bank
Kotak Mahindra Bank, founded in 2003, ranks as the second-largest private-sector bank in India. With total assets exceeding Rs. 2.14 trillion and over 1,300 branches, it has established itself as a leading name in the banking sector.
Kotak Mahindra Bank Personal Loan 10.50%
Kotak Mahindra Bank Home Loan 8.70%
Kotak Mahindra Bank Loan Against Property 9.15% - 10.50%
Kotak Mahindra Bank Business Loan 16.00%
Bank of Baroda
Founded in 1908, the Bank of Baroda is one of India's leading public sector banks. Following its merger with Dena Bank and Vijaya Bank, it has become the third-largest bank in India.
Bank of Baroda Personal Loan 10.10%
Bank of Baroda Home Loan 8.40% - 10.60%
Bank of Baroda Loan Against Property 10.85% - 16.50%
Bank of Baroda Business Loan 10.85%
Axis Bank
IndusInd Bank
Punjab National Bank (PNB)
Bank of India
Canara Bank
These top commercial banks play a crucial role in India's economic development by offering various banking services and loans to individuals and businesses.
Conclusion
In conclusion, the top commercial banks in India play a pivotal role in the nation's financial landscape, offering a wide array of banking services and loan products to cater to the diverse needs of individuals and businesses. From State Bank of India, the largest player in the market, to HDFC Bank, known for its innovative products and customer service, each bank contributes significantly to the country's economic growth and development. These banks not only provide assistance in opening bank accounts but also extend various types of loans, such as personal loans, home loans, and business loans, which stimulate consumption, investment, and overall economic activity. With their extensive branch networks, robust digital infrastructure, and commitment to customer satisfaction, these top commercial banks continue to be the cornerstone of India's financial system, driving progress and prosperity across the nation.
FAQs 🤔
What are commercial banks in India?
Commercial banks in India are financial institutions that offer a wide range of banking services to individuals and businesses, including deposit accounts, loans, and investment products.
How do I choose the best commercial bank in India?
Consider factors such as branch network, customer service, interest rates on loans and deposits, fees, and digital banking facilities to choose the bank that best suits your needs.
What types of loans do commercial banks offer?
Commercial banks in India offer various types of loans, including personal loans, home loans, business loans, and loans against property, each tailored to different financial needs.
What are the benefits of banking with top commercial banks in India?
Banking with top commercial banks provides access to a wide range of services, robust digital banking platforms, competitive interest rates, and extensive branch networks for convenience.
How do commercial banks contribute to India's economy?
Commercial banks play a crucial role in India's economic development by providing financial services, facilitating savings and investments, and supporting the growth of businesses and industries through lending.
Author
Harish Malhi
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