International Journal For Multidisciplinary Research

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A Journey of Retail banking in India

Author(s) Dr Abhinna Baxi Bhatnagar
Country India
Abstract Retail banking serves as the most prominent interface between the banking sector and the general public. It encompasses the provision of a wide array of banking products and services specifically tailored for individual customers, typically for non-entrepreneurial purposes. These offerings span across both sides of the financial ledger, encompassing fixed, current, and savings accounts on the liability side, while on the asset side, it encompasses mortgages and various forms of loans (including personal, housing, automotive, and educational loans). Furthermore, retail banking extends to include services such as credit cards, depository services, and an array of supplementary para-banking products and services, including insurance products and capital market offerings, tailored to meet the diverse needs of individuals.
In essence, retail banking represents a pivotal stage in the evolution of banking services. While this sector presents substantial opportunities for expansion, it is equally accompanied by formidable challenges. Stringent regulatory requirements aimed at safeguarding consumer interests, exposure to risks stemming from a global economic slowdown, and the ever-growing expectations of customers necessitate continual innovation by banks for sustained growth. This article delves into various facets of retail banking in India, with a primary focus on the challenges it faces and the most recent trends that shape its landscape.
Keywords Keywords: Retail banking, Products and Services, Challenges, Latest Trends, Basel Norms
Field Business Administration
Published In Volume 6, Issue 3, May-June 2024
Published On 2024-06-25
Cite This A Journey of Retail banking in India - Dr Abhinna Baxi Bhatnagar - IJFMR Volume 6, Issue 3, May-June 2024. DOI 10.36948/ijfmr.2024.v06i03.23218
DOI https://doi.org/10.36948/ijfmr.2024.v06i03.23218
Short DOI https://doi.org/gt2435
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