The final blackbook ppt
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Transcript of The final blackbook ppt
ROLE OF FINANCIAL INSTITUTIONS IN INDIA
Guided By: Prof. Rao
NAGINDAS KHANDWALA COLLEGE OF COMMERCE,ARTS AND MANAGEMENT STUDIESMALAD (WEST), MUMBAI - 400 064
PROJECT REPORT ON
THE ROLE OF FINANCIAL INSTITUTIONS IN INDIA
SUBMITTED BYUNNATI PRAJAPATI
T.Y.B.M.S. SEMESTER – V
PROJECT GUIDEPROF. HANUMANTHRAO GALLIPILLY
UNIVERSITY OF MUMBAI
2014 – 2015
RESEARCH METHODOLOGY
TITLE OF THE PROJECT:
“The role of Financial Institutions in India”
OBJECTIVES OF THE RESEARCH:
To understand the role of these institutions in the lives of businessmen.
To understand the dependability of these institutions on the economy, industrial development and well-being of the nation.
To understand the consumer thought-process towards the upcoming financial institutions.
To understand the various schemes and policy introduced for the progress of the nation.
Formulating the Research Problem:
Unit of Analysis: Financial Institutions in
India
Characteristic of Interest: Importance
Time and Space boundary: 3 months and
area from Borivali to Malad
Choice of Research Design:
The project is much of an Exploratory
Research as it provides insights into the
problem.
It is regarded as a tentative or input for
further research.
It is flexible, mostly consists of secondary
data and defines the research properly.
Source of Data:
Primary Data: The primary data is collected
by surveying businessmen and getting first
hand data.
Secondary Data: The secondary data is
collected from the information available by
various analysts through their research books
and internet.
Sample Design and Size:
The sample design: Random Sampling
The sample size: 100 Consumers
RESEARCH DETAILS
INTRODUCTION OF FINANCIAL INSTITUTION
Definition: Financial Institution is an establishment that
focuses on dealing with financial transactions, such as investments, loans and deposits. Conventionally, financial institutions are composed of organizations such as banks, trust companies, insurance companies and investment dealers.
Meaning: Since all people depend on the services provided
by financial institutions, it is imperative that they are regulated highly by the federal government.
EVOLUTION
Foundation Phase
Expansion Phase
Consolidation Phase
Reforms Phase
ROLES OF FINANCIAL INSTITUTIONS
Introduction of Niche strategies. Development and Support Services Micro finance Credit Mopping up Savings Capital mobilization Trade Facilitation Programme Financial Innovation Managing Risk
IMPORTANCE IN THE SOCIETY Provide wide range of services and different
types of banking products. The importance of financial institutions is
apparent during market booms and recessions.
Banks are encouraged or even compelled to lend money to home buyers and small businesses.
Financial institutions offer various types of insurance, ranging from life insurance to insurance on mortgage contracts.
CHALLENGES The credit crisis of 2008 and 2009 underscores
the importance of financial institutions to the economy.
Injection of trillions of dollars into financial institutions during the credit crisis to prevent collapse and the subsequent collapse of the economy.
A characteristic of all financial institutions that accept public funds is that they are heavily regulated.
If people kept their money instead of saving or investing it, then the allocation of economic resources would be much less efficient.
CURRENT STATUS OF FINANCIAL INSTITUTIONS IN
INDIA
TYPES OF FINANCIAL INSTITUTIONS
Financial Institutions
Development Banks (National)
Specialised Institutions
State level Institutions
Investment Institutions
DEVELOPED BANKS Industrial Development Bank Of India (IDBI)
Industrial Credit And Investment Corporation Of
India (ICICI)
Small Industries Development Bank Of India
(SIDBI)
Industrial Finance Corporation Of India Ltd (IFCI)
Industrial Investment Bank Of India (Formerly
IRBI)
STATE LEVEL INSTITUTIONS
State Financial Corporations (SFCs)
State Industrial Development Corporations
(SIDCs)
SPECIALIZATION INSTITUTIONS
National Bank For Agriculture And Rural
Development (NABARD)
Export Import Bank Of India
National Housing Bank (NHB)
INVESTMENT INSTITUTIONS
Life Insurance Corporation of India (LIC)
Unit Trust of India (UTI)
General Insurance Corporation of India (GIC)
Non-Banking Financial Companies (NBFCs)
Non-banking financial companies (NBFCs) are fast emerging as an important segment of Indian financial system.
It is an heterogeneous group of institutions (other than commercial and co-operative banks) performing financial intermediation in a variety of ways.
They raise funds from the public, directly or indirectly, and lend them to ultimate spenders.
Thus, they have broadened and diversified the range of products and services offered by a financial sector.
Gradually, they are being recognised as complementary to the banking sector.
The types of NBFCs registered with the RBI are:-o Equipment leasing Companyo Hire-purchase Companyo Loan Companyo Investment Company
Now, these NBFCs have been reclassified into three categories:-o Asset Finance Company (AFC)o Investment Company (IC)o Loan Company (LC)
Government And Funding Schemes
The fund based schemes include:-o Term and Composite Loano Equipment Financeo Working Capitalo Finance for Market Activitieso Credit Linked Capital Subsidy for SSI
The non-fund based schemes include:-o Public Issue Appraisalo Credit Syndicationo Corporate Advisory Services
Small Scale Industries (SSI)
Small Industries Development Organisation (SIDO)
National Small Industries Corporation Ltd (NSIC)
REPORTS FORMULATED FOR IMPROVEMENTS
Report 1: Intuit released - 2020 Report: The Future of Financial Serviceso A New Playing Field for Financial Serviceso Shifting Segments, Changing Marketso The New Customer Connectiono Reputation and Relationships Rule
Report 2: Ross Dawson - Vision 2020 Financial Services Sectoro Tied IT services in Indiao Tapping the bottom of the pyramido Financial inclusiono 2020: Customer perspectiveo Microfinance and financial apartheido India’s demographicso Unstructured economyo Banking in 2020
THANK YOU