STRUCTURE OF BANKS IN INDIA :

Banks can be classified into scheduled and non- scheduled banks based on certain factors

(a) Scheduled Banks:

Scheduled Banks in India are the banks which are listed in the Second Schedule of the Reserve Bank of India Act, 1934. The scheduled banks enjoy several privileges as compared to non- scheduled banks. Scheduled banks are entitled to receive refinance facilities from the Reserve Bank of India. They are also entitled for currency chest facilities. They are entitled to become members of the Clearing House. Besides commercial banks, cooperative banks may also become scheduled banks if they fulfill the criteria stipulated by RBI.

As on 30th June, 2014, there were 146 scheduled commercial Banks of which there were 56 RRBs

No. of branches of Scheduled Commercial Banks as on 30th June, 2014:

Bank Group	Rural	Semi-urban	Urban	Metropolitan	Total
No. of Reporting Offices	44624	31412	22086	19725	117847

(b) Non-scheduled banks:

These are those banks which are not included in the Second Schedule of the Reserve Bank of India. Usually the banks which do not conform to the norms of the Reserve Bank of India within the meaning of the RBI Act or according to specific functions etc. or according to the judgement of the Reserve Bank, are not capable of serving and protecting the interest of depositors are classified as non-scheduled banks.