Analysis of Ownership Pattern of Deposits of Commercial Banks in India

Authors : Dr. M. Sindhu

Volume/Issue : Volume 5 - 2020, Issue 2 - February

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This paper examines the ownership pattern of deposits of commercial banks in India. The deposits are one of the important component of the credit creation process of a bank. These are in different types like current, Saving and term deposit. Different types of banks in India like, public sector banks, private sector banks and foreign banks have different amount of deposits and theses deposits are owned by different sectors and individuals of an economy. The ownership pattern of deposits in commercial banks are classified into five categories they are government sector, private corporate sector, financial sector, household sector and foreign sector. In India the highest share of deposits in commercial banks are owned by household sector. The bank wise analysis shows that among the nationalised and private sector banks the share of household sector is the highest in total deposits. Households are the major owners of deposits in rural, urban, semi urban and metropolitan area. The deposits in various types likes current, saving, and term deposits are also owned by households. In 2018 Government sector’s contribution in total deposits of commercial banks in India is 13.5 percent. Out of total deposits of commercial banks in India 10.1 percent is provided by private sector, 63 percent by household sector, 7 percent by foreign sector and 5.9 percent by financial institutions in 2018.Thus the household sectors are the major owners of deposits in commercial banks in India.


Paper Submission Last Date
31 - December - 2023

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