Unconventional Income Source of Banks : Non Interest Income


By: Dr. Eknath Kundlik Zhrekar, Dr. Elizabeth Mathews

ISBN: 9789358385281

Price: 285/-

Page: 137

Category: BUSINESS & ECONOMICS / Banks & Banking

Delivery Time: 7-9 Days



Banking sector in India is growing very fast in service sector. In post reform period RBI has deregulated interest rate on Loans and Advances and hence every bank is independent to decide the interest rate on Loans and Advances. Now RBI has deregulated interest rate on saving account also, therefore almost all banks will increase interest rate on saving account to increase deposits in their banks. Therefore banks offers low interest rate on Loans and Advances to increase advances and on other hand increase rate of interest rate on savings or deposits in bank account. As a result of this “Net Interest Margin” is shrinking day by day in banking sector. To increase revenue banks offer other services to their customers or clients and from these other services banks earn “NON-INTEREST INCOME”( fees, commission, charges, exchange fees etc.). The study titled “a study of “strategies of banks and significance of non interest income of banking sector in India with special reference to nationalised, private and co-operative banks in Mumbai region” covers four major aspects. A first aspect is the services offered by the banks in case of Nationalised Banks, Private Banks and CoOperative Banks in India. Secondly, the customers satisfaction with regards to the services offered by the banks and facilities provided by the banks. Third aspects is the branch managers opinion with regards to the bank’s services and policies regarding charges, facilities etc. and last aspects is the financial parameters of the banks i.e. Interest Income, Non Interest Income, Employee cost, Net Interest Income, Operating cost etc.



Dr. Eknath Kundlik Zhrekar is M.Com (First Class), UGC-NET (In first Attempt- June 2006), GDC&A, Ph.D (Commerce- University of Mumbai) and CMA-Inter. He is Associate Professor and Incharge Principal in Mahatma Education Society’s Mahatma Night Degree College of Arts and Commerce. He has completed 17 years of teaching. His core area in teaching are Accountancy, Financial Accounting, Taxation etc. He is a member Board of Studies (Accountancy), University of Mumbai. He won Young Researcher and Best Teacher Award from Maharashtra Commerce Teachers Association. He is recognized PG teacher and Ph.D guide in University of Mumbai. Under his guidance three Ph.D students has successfully awarded Ph.D degree. Several research papers in National and Internation Journals is published. He has completed two minor research Project funded by University of Mumbai.

Professor Dr. Elizabeth Mathews is presently working as a Professor and Head Department of Commerce in JBSP Sanstha’s Changu Kana Thakur Arts, Commerce and Science College New Panvel, District Raigad (Autonomous). She also served as the I/C Principal of the college. She has completed one minor research project by UGC and three minor research projects by University of Mumbai and five research projects under RUSA. She has 32 years of teaching experience. She is a recognised Ph D guide of University of Mumbai in Commerce in the subject Business Policy and Administration. Professor Dr Elizabeth Mathews has written eight books and published more than 50 research papers in various journals and proceedings. Twelve Students were registered under her for Ph D out of which 10 students are awarded Ph D under her guidance and two have submitted their synopsis. She was awarded Dr PC Shejwalkar Best teacher award and Mahadeorao Talhar Best teacher award by Maharashtra State Commerce Association. She is a member of BOS University of Mumbai and Chairman BOS, Academic Council member and governing body member of CK Thakur ACS College new Panvel.


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