{"id":134669,"date":"2025-03-31T18:47:59","date_gmt":"2025-03-31T13:17:59","guid":{"rendered":"https:\/\/rajras.in\/?page_id=134669"},"modified":"2025-04-16T16:14:24","modified_gmt":"2025-04-16T10:44:24","slug":"banking-and-non-banking-financial-institutions-nbfis","status":"publish","type":"page","link":"https:\/\/rajras.in\/hi\/ras\/mains\/paper-1\/management\/banking-and-non-banking-financial-institutions-nbfis\/","title":{"rendered":"\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs)"},"content":{"rendered":"\n<p><strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs)<\/strong> \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0918\u091f\u0915 \u0939\u0948\u0902 \u091c\u094b \u092a\u0942\u0902\u091c\u0940 \u091c\u0941\u091f\u093e\u0928\u0947, \u0928\u093f\u0935\u0947\u0936 \u0914\u0930 \u0935\u093f\u092a\u0923\u0928 (\u0935\u093f\u092a\u0923\u0928 = \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u093f\u0902\u0917) \u0938\u0947\u0935\u093e\u0913\u0902 \u092e\u0947\u0902 \u0938\u0915\u094d\u0930\u093f\u092f \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0939\u094b\u0924\u0947 \u0939\u0941\u090f \u092d\u0940 \u090b\u0923, \u092c\u0940\u092e\u093e, \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f <a href=\"https:\/\/rajras.in\/hi\/ras\/mains\/paper-1\/management\/\">\u0935\u093f\u092a\u0923\u0928<\/a> \u091c\u0948\u0938\u0940 \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 NBFIs \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u093e \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u092e\u0947\u0902 \u0938\u0939\u092f\u094b\u0917 \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n<style>.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);background-color:var(--ast-global-color-6);border-top:1px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-table-of-content-wrap .kb-table-of-content-list{font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:before{background-color:var(--ast-global-color-6);}@media all and (max-width: 1024px){.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-table-of-content-wrap{border-top:1px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id134669_750433-b8 .kb-table-of-content-wrap{border-top:1px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}<\/style>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-luminous-vivid-orange-color has-text-color has-background has-link-color wp-elements-c15fee5c523c72c7843e4663fa3069fe\" style=\"border-radius:10px;background-color:#fcb90059;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0901\/\u092e\u0927\u094d\u092f\u0938\u094d\u0925<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"966\" height=\"806\" src=\"https:\/\/rajras.in\/wp-content\/uploads\/2025\/04\/image7-1.png\" alt=\"\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs)\" class=\"wp-image-134671\" style=\"width:436px;height:auto\" srcset=\"https:\/\/rajras.in\/wp-content\/uploads\/2025\/04\/image7-1.png 966w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/04\/image7-1-600x501.png 600w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/04\/image7-1-300x250.png 300w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/04\/image7-1-768x641.png 768w\" sizes=\"auto, (max-width: 966px) 100vw, 966px\" \/><\/figure>\n\n\n\n<p>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u090f\u0915 \u0910\u0938\u0940 \u0915\u0902\u092a\u0928\u0940 \u0939\u0948 \u091c\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0914\u0930 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0932\u0947\u0928-\u0926\u0947\u0928 \u091c\u0948\u0938\u0947 \u091c\u092e\u093e (Deposits), \u090b\u0923 (Loans), \u0928\u093f\u0935\u0947\u0936 (Investments), \u0914\u0930 \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u093f\u0928\u093f\u092e\u092f (Currency Exchange) \u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092e\u0947\u0902 \u0938\u0902\u0932\u0917\u094d\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964.<\/p>\n\n\n\n<p>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930 (Types of Financial Institutions):<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u092c\u0948\u0902\u0915 (Banks)<\/li>\n\n\n\n<li>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (Non-Banking Financial Institutions &#8211; NBFCs)<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-luminous-vivid-orange-color has-text-color has-background has-link-color wp-elements-badd94e26c10ecf40608875b2883ba4a\" style=\"border-radius:10px;background-color:#fcb90059;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/strong><\/h2>\n\n\n\n<p><strong>\u092c\u0948\u0902\u0915- <\/strong>\u090f\u0915 \u0910\u0938\u0940 \u0915\u0902\u092a\u0928\u0940 \u091c\u094b \u091c\u0928\u0924\u093e \u0938\u0947 \u0927\u0928 \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948, \u0909\u0938\u0947 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u092f\u093e \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u0947 \u0930\u0916\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u0927\u0928 \u092e\u093e\u0902\u0917 \u092a\u0930 \u092f\u093e \u0905\u0928\u094d\u092f \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u0935\u093e\u092a\u0938 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u0914\u0930 \u0907\u0938\u0947 \u091a\u0947\u0915, \u0921\u094d\u0930\u093e\u092b\u094d\u091f, \u0906\u0926\u0947\u0936, \u092f\u093e \u0905\u0928\u094d\u092f \u092e\u093e\u0927\u094d\u092f\u092e\u094b\u0902 \u0938\u0947 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 (\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1949, \u0927\u093e\u0930\u093e 5b)<\/p>\n\n\n\n<p><strong>\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0905\u0927\u093f\u0928\u093f\u092f\u092e<\/strong>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1934 (RBI Act 1934)<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1949 (Banking Regulation Act 1949)<\/li>\n\n\n\n<li>\u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0928\u093f\u092a\u091f\u093e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e 2007 (Payment and Settlement Systems Act 2007<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915<\/strong><\/h3>\n\n\n\n<p><strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Scheduled Banks): <\/strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0935\u0947 \u092c\u0948\u0902\u0915 \u0939\u0948\u0902 \u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1934 \u0915\u0940 \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 (2nd Schedule) \u092e\u0947\u0902 \u0938\u0942\u091a\u0940\u092c\u0926\u094d\u0927 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092e\u093e\u0928\u0926\u0902\u0921 (Criteria):<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u092c\u0948\u0902\u0915 \u0915\u0940 \u091a\u0941\u0915\u0924\u093e \u092a\u0942\u0902\u091c\u0940 (Paid-up Capital) \u0914\u0930 \u091c\u0941\u091f\u093e\u090f \u0917\u090f \u0927\u0928 (Raised Funds) \u0915\u092e \u0938\u0947 \u0915\u092e \u20b95 \u0932\u093e\u0916 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 \u0915\u093e \u0938\u0902\u091a\u093e\u0932\u0928 \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 (Depositors) \u0915\u0947 \u0939\u093f\u0924\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f\u0915\u0942\u0932 \u0928\u0939\u0940\u0902 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n<\/ol>\n\n\n\n<p><strong>\u0909\u0926\u093e\u0939\u0930\u0923 (Examples):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0938\u094d\u091f\u0947\u091f \u092c\u0948\u0902\u0915 (State Bank of India &#8211; SBI)<\/li>\n\n\n\n<li>\u092a\u0902\u091c\u093e\u092c \u0928\u0947\u0936\u0928\u0932 \u092c\u0948\u0902\u0915 (Punjab National Bank &#8211; PNB)<\/li>\n\n\n\n<li>\u0906\u0908\u0938\u0940\u0906\u0908\u0938\u0940\u0906\u0908 \u092c\u0948\u0902\u0915 (ICICI Bank) \u0906\u0926\u093f\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Non-Scheduled Banks):<\/strong>\u0935\u0947 \u0938\u092d\u0940 \u092c\u0948\u0902\u0915 \u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u092e\u0947\u0902 \u0938\u0942\u091a\u0940\u092c\u0926\u094d\u0927 \u0928\u0939\u0940\u0902 \u0939\u0948\u0902, \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0915\u0939\u0932\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0909\u0926\u093e\u0939\u0930\u0923 (Examples):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0915\u094b\u0938\u094d\u091f\u0932 \u092c\u0948\u0902\u0915 (Coastal Bank), \u0938\u0941\u092d\u0926\u094d\u0930\u093e \u0932\u094b\u0915\u0932 \u090f\u0930\u093f\u092f\u093e \u092c\u0948\u0902\u0915 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (Subhadra Local Area Bank Ltd) \u0906\u0926\u093f\u0964<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u0935\u093f\u0935\u0930\u0923<\/strong><\/td><td><strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915<\/strong><\/td><td><strong>\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915<\/strong><\/td><\/tr><tr><td><strong>RBI, \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0928\u0939\u0940\u0902<\/td><\/tr><tr><td><strong>RBI \u0938\u0947 \u0909\u0927\u093e\u0930\u0940 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f?<\/strong><\/td><td>\u0939\u093e\u0901, <br>RBI \u0915\u0940 \u0932\u093f\u0915\u094d\u0935\u093f\u0921\u093f\u091f\u0940 \u090f\u0921\u091c\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u092b\u0948\u0938\u093f\u0932\u093f\u091f\u0940 (LAF) \u0935\u093f\u0902\u0921\u094b \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947<\/td><td>\u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903 \u0928\u0939\u0940\u0902, <br>\u0915\u0947\u0935\u0932 \u0905\u0938\u093e\u0927\u093e\u0930\u0923 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902<\/td><\/tr><tr><td><strong>CRR \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e<\/strong><\/td><td>\u0939\u093e\u0901, <br>RBI \u0915\u0947 \u0938\u093e\u0925 CRR \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f<\/td><td>\u0939\u093e\u0901, <br>CRR \u0915\u094b RBI \u0915\u0947 \u0938\u093e\u0925 \u092f\u093e \u0905\u092a\u0928\u0947 \u092a\u093e\u0938 \u092c\u0928\u093e\u090f \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/td><\/tr><tr><td><strong>SLR \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0939\u093e\u0901<\/td><\/tr><tr><td><strong>\u0915\u094d\u0932\u093f\u092f\u0930\u093f\u0902\u0917\u0939\u093e\u0909\u0938 \u0915\u0947 \u0938\u0926\u0938\u094d\u092f<\/strong><\/td><td>\u0939\u093e\u0901, <br>RBI \u0915\u094d\u0932\u093f\u092f\u0930\u093f\u0902\u0917\u0939\u093e\u0909\u0938 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948<\/td><td>\u0928\u0939\u0940\u0902, <br>\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0915\u094d\u0932\u093f\u092f\u0930\u093f\u0902\u0917\u0939\u093e\u0909\u0938 \u0915\u0947 \u0938\u0926\u0938\u094d\u092f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0947<\/td><\/tr><tr><td><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong><\/td><td>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915, \u0928\u093f\u091c\u0940 \u092c\u0948\u0902\u0915, \u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u0948\u0902\u0915, \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0940\u092f \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u092c\u0948\u0902\u0915, \u092d\u0941\u0917\u0924\u093e\u0928 \u092c\u0948\u0902\u0915, \u0932\u0918\u0941 \u0935\u093f\u0924\u094d\u0924 \u092c\u0948\u0902\u0915, \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915, DCCS, StCBs<\/td><td>\u0932\u094b\u0915\u0932 \u090f\u0930\u093f\u092f\u093e \u092c\u0948\u0902\u0915, \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915, DCCS, StCBs, \u092d\u0941\u0917\u0924\u093e\u0928 \u092c\u0948\u0902\u0915 (\u091c\u0948\u0938\u0947 \u091c\u093f\u092f\u094b \u0914\u0930 NSDL)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u092c\u0948\u0902\u0915 (Universal Bank): <\/strong><\/h4>\n\n\n\n<p>\u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u092c\u0948\u0902\u0915 \u0935\u0947 \u092c\u0948\u0902\u0915 \u0939\u0948\u0902 \u091c\u094b \u090f\u0915 \u0939\u0940 \u091b\u0924 \u0915\u0947 \u0928\u0940\u091a\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e\u090f\u0901 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u092e\u0947\u0902 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0901 \u091c\u0948\u0938\u0947 \u090b\u0923 \u0926\u0947\u0928\u093e \u0914\u0930 \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u093e, \u0938\u093e\u0925 \u0939\u0940 \u0928\u093f\u0935\u0947\u0936 \u092c\u0948\u0902\u0915\u093f\u0902\u0917, \u0927\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0928, \u092c\u0940\u092e\u093e, \u0914\u0930 \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u0924\u094d\u092a\u093e\u0926 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0909\u0926\u093e\u0939\u0930\u0923 (Examples):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0938\u094d\u091f\u0947\u091f \u092c\u0948\u0902\u0915 (State Bank of India &#8211; SBI)<\/li>\n\n\n\n<li>\u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940 \u092c\u0948\u0902\u0915 (HDFC Bank) \u0906\u0926\u093f\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 (Differentiated Banks):&nbsp;<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 \u0935\u0947 \u092c\u0948\u0902\u0915 \u0939\u0948\u0902 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0936\u0947\u0937 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0901 \u0914\u0930 \u0909\u0924\u094d\u092a\u093e\u0926 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u094b \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0939\u0940 \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923 (Examples): <\/strong>\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0940\u092f \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u092c\u0948\u0902\u0915 (Regional Rural Banks &#8211; RRBs),\u0932\u0918\u0941 \u0935\u093f\u0924\u094d\u0924 \u092c\u0948\u0902\u0915 (Small Finance Banks) \u0906\u0926\u093f\u0964<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u0935\u093f\u0935\u0930\u0923<\/strong><\/td><td><strong>\u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u092c\u0948\u0902\u0915<\/strong><\/td><td><strong>\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 (Differentiated Bank)<\/strong><\/td><\/tr><tr><td><strong>\u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u093e \u0926\u093e\u092f\u0930\u093e<\/strong><\/td><td>\u0915\u094b\u0908 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0928\u0939\u0940\u0902\u0964 \u0938\u092d\u0940 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>\u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u092d\u0941\u0917\u0924\u093e\u0928 \u092c\u0948\u0902\u0915 \u090b\u0923 \u0928\u0939\u0940\u0902 \u0926\u0947 \u0938\u0915\u0924\u0947, \u0932\u0918\u0941 \u0935\u093f\u0924\u094d\u0924 \u092c\u0948\u0902\u0915 \u090b\u0923 \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0915\u092e \u0938\u0947 \u0915\u092e 50% \u090b\u0923 \u20b925 \u0932\u093e\u0916 \u0938\u0947 \u0915\u092e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/td><\/tr><tr><td><strong>\u0938\u0902\u091a\u093e\u0932\u0928 \u0915\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930<\/strong><\/td><td>\u0915\u094b\u0908 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0928\u0939\u0940\u0902\u0964 \u092a\u0942\u0930\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u0939\u0940\u0902 \u092d\u0940 \u0936\u093e\u0916\u093e\u090f\u0902 \u0916\u094b\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>\u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u0932\u094b\u0915\u0932 \u090f\u0930\u093f\u092f\u093e \u092c\u0948\u0902\u0915 2-3 \u091c\u093f\u0932\u094b\u0902 \u0938\u0947 \u0905\u0927\u093f\u0915 \u092e\u0947\u0902 \u0936\u093e\u0916\u093e\u090f\u0902 \u0928\u0939\u0940\u0902 \u0916\u094b\u0932 \u0938\u0915\u0924\u0947, RRBs \u0915\u0947 \u0938\u0902\u091a\u093e\u0932\u0928 \u0915\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u0905\u0927\u093f\u0938\u0942\u091a\u0928\u093e \u0938\u0947 \u0938\u0940\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong><\/td><td>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915, \u0928\u093f\u091c\u0940 \u092c\u0948\u0902\u0915 \u0906\u0926\u093f\u0964<\/td><td>\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0940\u092f \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u092c\u0948\u0902\u0915, \u0932\u094b\u0915\u0932 \u090f\u0930\u093f\u092f\u093e \u092c\u0948\u0902\u0915, \u092d\u0941\u0917\u0924\u093e\u0928 \u092c\u0948\u0902\u0915, \u0932\u0918\u0941 \u0935\u093f\u0924\u094d\u0924 \u092c\u0948\u0902\u0915, \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Digital Banking<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% \u0921\u093f\u091c\u093f\u091f\u0932 \u092c\u0948\u0902\u0915 \u0935\u0947 \u092c\u0948\u0902\u0915 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u0940 \u0915\u094b\u0908 \u092d\u094c\u0924\u093f\u0915 \u0909\u092a\u0938\u094d\u0925\u093f\u0924\u093f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0935\u0947 \u0905\u092a\u0928\u0940 \u0938\u092d\u0940 \u0938\u0947\u0935\u093e\u090f\u0901 \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u092a\u0930 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0938\u093f\u092b\u093e\u0930\u093f\u0936: <\/strong>\u0928\u0940\u0924\u093f \u0906\u092f\u094b\u0917 \u0928\u0947 100% \u0921\u093f\u091c\u093f\u091f\u0932 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u093f\u092b\u093e\u0930\u093f\u0936 \u0915\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0909\u0926\u093e\u0939\u0930\u0923: \u092f\u0942\u0915\u0947:<\/strong> Starling Bank, Monese Bank ; <strong>\u091a\u0940\u0928:<\/strong> WeBank<\/li>\n\n\n\n<li><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0938\u094d\u0925\u093f\u0924\u093f: <\/strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 100% \u0921\u093f\u091c\u093f\u091f\u0932 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0915\u094b\u0908 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u092e\u094c\u091c\u0942\u0926\u093e \u092d\u094c\u0924\u093f\u0915 \u092c\u0948\u0902\u0915 \u0939\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0901 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d :<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>&nbsp;<\/strong>\u0915\u092e \u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0932\u093e\u0917\u0924<\/li>\n\n\n\n<li>\u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u090b\u0923<\/li>\n\n\n\n<li>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u092a\u094d\u0930\u0924\u093f\u0938\u094d\u092a\u0930\u094d\u0927\u093e<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0907\u0915\u093e\u0907\u092f\u093e\u0901<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0905\u0930\u094d\u0925: <\/strong>\u092e\u094c\u091c\u0942\u0926\u093e \u092c\u0948\u0902\u0915 \u0910\u0938\u0940 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0907\u0915\u093e\u0907\u092f\u093e\u0902 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0938\u092e\u0947\u0902 \u0915\u0948\u0936 \u0921\u093f\u092a\u0949\u091c\u093f\u091f \u092e\u0936\u0940\u0928, \u090f\u091f\u0940\u090f\u092e, \u092e\u0941\u092b\u094d\u0924 \u0935\u093e\u0908\u092b\u093e\u0908 \u0915\u0928\u0947\u0915\u094d\u0936\u0928, \u0914\u0930 \u092c\u0948\u0902\u0915 \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u093f \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0902\u091a\u093e\u0932\u0928 \u0915\u093e \u0924\u0930\u0940\u0915\u093e: <\/strong>\u092f\u0947 \u0907\u0915\u093e\u0907\u092f\u093e\u0901 24&#215;7 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0901 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0947\u092a\u0930\u0932\u0947\u0938 \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917: <\/strong>\u0916\u093e\u0924\u094b\u0902 \u0915\u093e \u0916\u094b\u0932\u0928\u093e, \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u0906\u0926\u093f \u0938\u092d\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0902 \u092c\u093f\u0928\u093e \u0915\u093e\u0917\u091c\u0940 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u0915\u0947 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0947\u0935\u093e\u090f\u0901:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u093e<\/li>\n\n\n\n<li>\u090b\u0923\u094b\u0902 \u0915\u093e \u090f\u0902\u0921-\u091f\u0942-\u090f\u0902\u0921 \u0921\u093f\u091c\u093f\u091f\u0932 \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917<\/li>\n\n\n\n<li>\u0907\u0902\u091f\u0930\u0928\u0947\u091f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u093f\u092f\u094b\u0938\u094d\u0915<\/li>\n\n\n\n<li>\u090f\u091f\u0940\u090f\u092e \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0928\u0915\u0926 \u0928\u093f\u0915\u093e\u0938\u0940 \u0914\u0930 \u0928\u0915\u0926 \u091c\u092e\u093e<\/li>\n\n\n\n<li>\u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u093f\u091f: \u092e\u094b\u092c\u093e\u0907\u0932 \u092c\u0948\u0902\u0915\u093f\u0902\u0917, \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u092c\u0948\u0902\u0915\u093f\u0902\u0917, \u0921\u0947\u092c\u093f\u091f \u0915\u093e\u0930\u094d\u0921, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0914\u0930 \u092e\u093e\u0938 \u091f\u094d\u0930\u093e\u0902\u091c\u093c\u093f\u091f \u0938\u093f\u0938\u094d\u091f\u092e \u0915\u093e\u0930\u094d\u0921<\/li>\n\n\n\n<li>\u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e, \u092a\u0940\u090f\u092e \u091c\u0940\u0935\u0928 \u091c\u094d\u092f\u094b\u0924\u093f \u092f\u094b\u091c\u0928\u093e \u0906\u0926\u093f \u0915\u0947 \u0932\u093f\u090f \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0928\u093e\u092e\u093e\u0902\u0915\u0928<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092a\u093e\u0924\u094d\u0930 \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0901: <\/strong>\u0918\u0930\u0947\u0932\u0942 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 (RRBs, \u092a\u0947\u092e\u0947\u0902\u091f \u092c\u0948\u0902\u0915 \u0914\u0930 \u0932\u094b\u0915\u0932 \u090f\u0930\u093f\u092f\u093e \u092c\u0948\u0902\u0915 \u0915\u094b \u091b\u094b\u0921\u093c\u0915\u0930) \u0907\u0928 \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0915\u094b \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0937\u0947\u0924\u094d\u0930: <\/strong>\u0907\u0928 \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0915\u094b \u0916\u094b\u0932\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917 \u0938\u0947 \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0907\u0928\u094d\u0939\u0947\u0902 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0914\u0930 \u0936\u0939\u0930\u0940 \u0926\u094b\u0928\u094b\u0902 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0916\u094b\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-luminous-vivid-orange-color has-text-color has-background has-link-color wp-elements-772695ad6932a30acbe09e444d2d4ec5\" style=\"border-radius:10px;background-color:#fcb90059;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (Non-Banking Financial Institutions &#8211; NBFIs)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0905\u0916\u093f\u0932 \u092d\u093e\u0930\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (All India Financial Institutions &#8211; AIFIs)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0938\u094d\u0925\u093e\u092a\u0928\u093e: <\/strong>AIFIs \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0938\u0902\u0938\u0926 \u0915\u0947 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0915\u093e\u0938 \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u0947 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u091c\u0928\u0924\u093e \u0938\u0947 \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0938\u0930\u0915\u093e\u0930 \u0938\u0947 \u0927\u0928 \u0938\u0902\u0917\u094d\u0930\u0939\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092c\u0949\u0928\u094d\u0921 \u091c\u093e\u0930\u0940 \u0915\u0930\u0915\u0947 \u092d\u0940 \u0927\u0928 \u091c\u0941\u091f\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>AIFIs \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094b \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u090b\u0923 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0926\u093f\u090f \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, NABARD \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0940\u092f \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u092c\u0948\u0902\u0915\u094b\u0902 (RRBs) \u0915\u094b \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>AIFIs \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0926\u093f\u090f \u0917\u090f \u090b\u0923\u094b\u0902 \u0915\u094b \u092a\u0941\u0928\u0930\u094d\u0935\u093f\u0924\u094d\u0924 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0909\u0928\u094d\u0939\u0947\u0902 \u0938\u092e\u0930\u094d\u0925\u0928 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092c\u0939\u0941\u0906\u092f\u093e\u092e\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>AIFIs \u0915\u094b \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (Development Banks) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 \u092a\u093e\u0902\u091a AIFIs:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NABARD (\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915)<\/li>\n\n\n\n<li>SIDBI (\u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915)<\/li>\n\n\n\n<li>EXIM (\u090f\u0915\u094d\u0938\u092a\u094b\u0930\u094d\u091f-\u0907\u0902\u092a\u094b\u0930\u094d\u091f \u092c\u0948\u0902\u0915)<\/li>\n\n\n\n<li>NHB (\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0906\u0935\u093e\u0938 \u092c\u0948\u0902\u0915)<\/li>\n\n\n\n<li>NaBFID (\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u0935\u0938\u0902\u0930\u091a\u0928\u093e \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 (\u090f\u0928\u092c\u0940\u090f\u092b\u0938\u0940)<\/strong><\/h3>\n\n\n\n<p><strong>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 (Non-Banking Financial Companies &#8211; NBFCs):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0930\u093f\u091a\u092f: <\/strong>NBFC \u090f\u0915 \u0915\u0902\u092a\u0928\u0940 \u0939\u0948 \u091c\u094b \u0915\u0902\u092a\u0928\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0947 \u0924\u0939\u0924 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u090b\u0923 \u0914\u0930 \u0905\u0917\u094d\u0930\u093f\u092e\u094b\u0902 \u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f, \u0936\u0947\u092f\u0930\u094b\u0902\/\u0938\u094d\u091f\u0949\u0915\u094d\u0938\/\u092c\u0949\u0928\u094d\u0921\u094d\u0938\/\u0921\u0947\u092c\u0947\u0902\u091a\u0930\u094d\u0938\/\u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u092e\u0947\u0902 \u0932\u0917\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 NBFC \u0915\u094b &#8220;\u0936\u0948\u0921\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0902\u0938\u094d\u0925\u093e\u0928&#8221; \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f: <\/strong>\u0915\u0941\u091b NBFCs \u0915\u0947\u0935\u0932 \u0938\u092e\u092f-\u0906\u0927\u093e\u0930\u093f\u0924 \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u092e\u093e\u0902\u0917 \u091c\u092e\u093e (\u0921\u093f\u092e\u093e\u0902\u0921 \u0921\u093f\u092a\u0949\u091c\u093f\u091f) \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u093e\u0901: <\/strong>NBFC \u0915\u0940 &#8220;\u092e\u0941\u0916\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u093e\u092f&#8221; (Principal Business) \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u093e\u0901 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092e\u0941\u0916\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e 50-50 \u0928\u093f\u092f\u092e (50-50 Rule of Principal Business):<\/strong>\u0915\u093f\u0938\u0940 \u0915\u0902\u092a\u0928\u0940 \u0915\u094b RBI \u0926\u094d\u0935\u093e\u0930\u093e NBFC \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e, \u092f\u0926\u093f <strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u0924\u093f\u0935\u093f\u0927\u093f<\/strong> \u0915\u0902\u092a\u0928\u0940 \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0939\u0948\u0964\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0924\u092c \u0915\u0902\u092a\u0928\u0940 \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092e\u093e\u0928\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948 \u091c\u092c \u0915\u0902\u092a\u0928\u0940 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u0915\u0941\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e 50% \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0906\u092f \u0915\u0941\u0932 \u0906\u092f \u0915\u093e 50% \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Difference between Banks and NBFCs<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u0935\u093f\u0935\u0930\u0923<\/strong><\/td><td><strong>\u092c\u0948\u0902\u0915<\/strong><\/td><td><strong>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u0940 (NBFCs)<\/strong><\/td><\/tr><tr><td><strong>\u0927\u0928 \u0915\u093e \u0938\u094d\u0930\u094b\u0924?<\/strong><\/td><td>\u091c\u092e\u093e (Deposits)<\/td><td>\u092c\u093e\u091c\u093e\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0909\u092a\u0915\u0930\u0923 (Market-based instruments) (\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0939\u093f\u0938\u094d\u0938\u093e), \u0938\u092e\u092f \u091c\u092e\u093e (Time Deposits)<\/td><\/tr><tr><td><strong>\u091c\u092e\u093e \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930?<\/strong><\/td><td>\u092e\u093e\u0902\u0917 \u091c\u092e\u093e (Demand Deposit) \u0914\u0930 \u0938\u094d\u0925\u093f\u0930 \u091c\u092e\u093e (Fixed Deposit) \u0926\u094b\u0928\u094b\u0902<\/td><td>\u0915\u0947\u0935\u0932 \u0938\u094d\u0925\u093f\u0930 \u091c\u092e\u093e (Time Deposit)<\/td><\/tr><tr><td><strong>\u091c\u092e\u093e \u092c\u0940\u092e\u093f\u0924?<\/strong><\/td><td>\u0939\u093e\u0901, DICGC \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0940\u092e\u093f\u0924<\/td><td>\u0928\u0939\u0940\u0902<\/td><\/tr><tr><td><strong>\u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u093e?<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0939\u093e\u0901<\/td><\/tr><tr><td><strong>CRR?<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0928\u0939\u0940\u0902<\/td><\/tr><tr><td><strong>SLR?<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0939\u093e\u0901, \u0915\u0947\u0935\u0932 \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0940 NBFCs \u0915\u0947 \u0932\u093f\u090f<\/td><\/tr><tr><td><strong>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u090b\u0923 (PSL)?<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0928\u0939\u0940\u0902<\/td><\/tr><tr><td><strong>\u092a\u0942\u0902\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e \u0905\u0928\u0941\u092a\u093e\u0924 (CAR)?<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0939\u093e\u0901<\/td><\/tr><tr><td><strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0928\u093f\u092a\u091f\u093e\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e?<\/strong><\/td><td>\u0939\u093e\u0901, \u091a\u0947\u0915 \u092c\u0941\u0915 \u091c\u093e\u0930\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/td><td>\u0928\u0939\u0940\u0902, \u091a\u0947\u0915 \u092c\u0941\u0915 \u091c\u093e\u0930\u0940 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0947<\/td><\/tr><tr><td><strong>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921?<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0939\u093e\u0901, RBI \u0938\u0947 \u092a\u0942\u0930\u094d\u0935 \u0905\u0928\u0941\u092e\u0924\u093f \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0964 SBI Card, BOB Card<\/td><\/tr><tr><td><strong>\u0928\u093f\u092f\u092e\u0928?<\/strong><\/td><td>\u0915\u0921\u093c\u0940 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 (Strict Regulation)<\/td><td>\u0906\u0902\u0936\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0928\u093f\u092f\u092e\u0928 (Partially Regulated) \u092f\u093e \u092c\u093f\u0928\u093e \u0928\u093f\u092f\u092e\u0928 (Unregulated)<\/td><\/tr><tr><td><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e?<\/strong><\/td><td>\u0905\u0927\u093f\u0915 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 (More Transparent)<\/td><td>\u0915\u092e \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 (Less Transparent)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>RBI \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 NBFCs<\/strong><\/h3>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u090f\u0902\u0921 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u0902\u092a\u0928\u0940 (Investment and Credit Company &#8211; ICC):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u093e\u0939\u0928\u094b\u0902, \u091f\u094d\u0930\u0948\u0915\u094d\u091f\u0930\u094b\u0902 \u0906\u0926\u093f \u091c\u0948\u0938\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923\u0964<\/li>\n\n\n\n<li>\u0905\u0928\u094d\u092f \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0936\u094d\u0930\u0940\u0930\u093e\u092e \u091f\u094d\u0930\u093e\u0902\u0938\u092a\u094b\u0930\u094d\u091f (Shriram Transport), \u092c\u091c\u093e\u091c \u092b\u093e\u0907\u0928\u0947\u0902\u0938 (Bajaj Finance), \u092e\u0939\u093f\u0902\u0926\u094d\u0930\u093e \u092b\u093e\u0907\u0928\u0947\u0902\u0938 (Mahindra Finance &#8211; \u091c\u092e\u093e \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u0940), \u0906\u0926\u093f\u0924\u094d\u092f \u092c\u093f\u0921\u093c\u0932\u093e \u0915\u0948\u092a\u093f\u091f\u0932 (Aditya Birla Capital &#8211; \u0917\u0948\u0930-\u091c\u092e\u093e \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u0940), ICICI \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940\u091c \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (ICICI Securities Ltd.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0907\u0902\u092b\u094d\u0930\u093e\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u091a\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u0902\u092a\u0928\u0940 (Infrastructure Finance Company &#8211; IFC):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u0915\u092e \u0938\u0947 \u0915\u092e 75% \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0902 \u0907\u0902\u092b\u094d\u0930\u093e\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u091a\u0930 \u0938\u0947\u0915\u094d\u091f\u0930 \u092e\u0947\u0902 \u090b\u0923 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0905\u0938\u0940\u092e \u0907\u0902\u092b\u094d\u0930\u093e\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u091a\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 (Aseem Infrastructure Finance)<\/li>\n\n\n\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u0947\u0932\u0935\u0947 \u0935\u093f\u0924\u094d\u0924 \u0928\u093f\u0917\u092e (Indian Railway Finance Corporation &#8211; IRFC)<\/li>\n\n\n\n<li>\u092a\u093e\u0935\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u0936\u0928 (Power Finance Corporation &#8211; PFC)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0915\u094b\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u0915\u0902\u092a\u0928\u0940 (Core Investment Company &#8211; CIC):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u0915\u092e \u0938\u0947 \u0915\u092e 90% \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u0936\u0947\u092f\u0930\u094b\u0902, \u092c\u0949\u0928\u094d\u0921\u094d\u0938, \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u090f\u0932 \u090f\u0902\u0921 \u091f\u0940 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 (L&amp;T Finance), \u0930\u093f\u0932\u093e\u092f\u0902\u0938 \u0915\u0948\u092a\u093f\u091f\u0932 (Reliance Capital), \u091f\u093e\u091f\u093e \u0915\u0948\u092a\u093f\u091f\u0932 (Tata Capital)<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0905\u0935\u0938\u0902\u0930\u091a\u0928\u093e \u090b\u0923 \u0928\u093f\u0927\u093f (Infrastructure Debt Fund &#8211; IDF):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>5 \u0938\u093e\u0932 \u0915\u0940 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u0930\u0941\u092a\u092f\u0947 \u092f\u093e \u0921\u0949\u0932\u0930-\u092e\u0942\u0932\u094d\u092f\u0935\u0930\u094d\u0917 \u0915\u0947 \u092c\u0949\u0928\u094d\u0921\u094d\u0938 \u091c\u093e\u0930\u0940 \u0915\u0930\u0915\u0947 \u0938\u0902\u0938\u093e\u0927\u0928\u094b\u0902 \u0915\u094b \u091c\u0941\u091f\u093e\u0928\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0915\u094b\u091f\u0915 \u0905\u0935\u0938\u0902\u0930\u091a\u0928\u093e \u090b\u0923 \u0928\u093f\u0927\u093f \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (Kotak Infrastructure Debt Fund Limited), \u0907\u0902\u0921\u093f\u092f\u093e \u0907\u0902\u092b\u094d\u0930\u093e \u0921\u0947\u092c\u094d\u091f \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (India Infradebt Limited)<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0935\u093f\u0924\u094d\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (Microfinance Institutions &#8211; MFIs):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u091c\u092e\u093e\u0928\u0924 \u0915\u0947 \u091b\u094b\u091f\u0947-\u092e\u0942\u0932\u094d\u092f \u0915\u0947 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u092e\u0941\u0925\u0942\u091f \u092e\u093e\u0907\u0915\u094d\u0930\u094b\u092b\u093e\u0907\u0928\u0947\u0902\u0938 (Muthoot Microfinance)\n<ul class=\"wp-block-list\">\n<li>\u0905\u0928\u094d\u0928\u092a\u0942\u0930\u094d\u0923\u093e (Annapurna)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u092b\u0948\u0915\u094d\u091f\u0930\u093f\u0902\u0917 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 (Factoring Companies):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>MSMEs \u0915\u0940 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u091a\u093e\u0932\u093e\u0928 (Trade Invoices) \u0915\u093e \u092b\u0948\u0915\u094d\u091f\u094b\u0930\u093f\u0902\u0917 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0938\u0940\u092e\u0947\u0902\u0938 \u092b\u0948\u0915\u094d\u091f\u0930 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (Siemens Factor Ltd), \u090f\u0938\u092c\u0940\u0906\u0908 \u0917\u094d\u0932\u094b\u092c\u0932 \u092b\u0948\u0915\u094d\u091f\u0930\u094d\u0938 (SBI Global Factors)<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">\u200b\u200b<strong>\u092a\u09402\u092a\u0940 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u092a\u094d\u0932\u0947\u091f\u092b\u093e\u0930\u094d\u092e (P2P Lending):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0914\u0930 \u090b\u0923\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u094b \u090f\u0915 \u0938\u093e\u0925 \u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092e\u0902\u091a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0932\u0947\u0902\u0921\u092c\u0949\u0915\u094d\u0938 (Lendbox)<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0905\u0915\u093e\u0909\u0902\u091f \u090f\u0917\u094d\u0930\u0940\u0917\u0947\u091f\u0930\u094d\u0938 (Account Aggregators):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u094b \u090f\u0915\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u093e \u0924\u093e\u0915\u093f \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092a\u0930\u0947\u0936\u093e\u0928\u0940 \u0915\u0947 \u090b\u0923 \u0926\u0947\u0928\u0947 \u092e\u0947\u0902 \u0938\u0939\u093e\u092f\u0924\u093e \u0939\u094b \u0938\u0915\u0947\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u092b\u093f\u0928\u0935\u0941 (Finvu), \u0935\u0928\u092e\u0928\u0940 (OneMoney)<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0939\u093e\u0909\u0938\u093f\u0902\u0917 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 (Housing Finance Companies &#8211; HFCs):<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0939\u093e\u0909\u0938\u093f\u0902\u0917 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0906\u0935\u093e\u0938 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0928\u0915\u0947 \u0918\u0930\u094b\u0902 \u0915\u0940 \u0916\u0930\u0940\u0926, \u0928\u093f\u0930\u094d\u092e\u093e\u0923, \u092e\u0930\u092e\u094d\u092e\u0924, \u0914\u0930 \u0909\u0928\u094d\u0928\u092f\u0928 \u0915\u0947 \u0932\u093f\u090f \u090b\u0923 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0909\u0928 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0914\u0930 \u092a\u0930\u093f\u0935\u093e\u0930\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902 \u091c\u094b \u0905\u092a\u0928\u0947 \u0906\u0935\u093e\u0938\u0940\u092f \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong>\n<ul class=\"wp-block-list\">\n<li>LIC \u0939\u093e\u0909\u0938\u093f\u0902\u0917 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (LIC Housing Finance Limited)<\/li>\n\n\n\n<li>\u092c\u091c\u093e\u091c \u0939\u093e\u0909\u0938\u093f\u0902\u0917 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (Bajaj Housing Finance Limited)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>SEBI \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 NBFCs<\/strong><\/h3>\n\n\n\n<p><strong>\u0938\u094d\u091f\u0949\u0915 \u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917 \u0915\u0902\u092a\u0928\u0940 (Stock Broking Company):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u092f\u0947 NBFCs \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u0914\u0930 \u0936\u0947\u092f\u0930\u094b\u0902 \u0915\u0940 \u0916\u0930\u0940\u0926 \u0914\u0930 \u092c\u093f\u0915\u094d\u0930\u0940 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u090f\u0902\u091c\u0932 \u0935\u0928 (Angel One), ICICI \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f (ICICI Direct)<\/li>\n<\/ul>\n\n\n\n<p><strong>\u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0915\u0902\u092a\u0928\u0940 (Mutual Fund Company):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u092f\u0947 NBFC \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0938\u0947 \u0927\u0928\u0930\u093e\u0936\u093f \u090f\u0915\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0915\u0947 \u0938\u094d\u091f\u0949\u0915\u094d\u0938, \u092c\u0949\u0928\u094d\u0921\u094d\u0938, \u0914\u0930 \u0905\u0928\u094d\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0940 \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u0907\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u0902\u091a\u093e\u0932\u0928 \u092a\u0947\u0936\u0947\u0935\u0930 \u0927\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>SBI \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 (SBI Mutual Fund), HDFC \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 (HDFC Mutual Fund)<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0935\u0947\u0902\u091a\u0930 \u0915\u0948\u092a\u093f\u091f\u0932 \u092b\u0902\u0921 (Venture Capital Fund):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u092f\u0947 NBFC \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0938\u0947 \u0927\u0928\u0930\u093e\u0936\u093f \u090f\u0915\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0915\u0947 \u0938\u094d\u091f\u0949\u0915\u094d\u0938, \u092c\u0949\u0928\u094d\u0921\u094d\u0938, \u0914\u0930 \u0905\u0928\u094d\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0940 \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u0907\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u0902\u091a\u093e\u0932\u0928 \u092a\u0947\u0936\u0947\u0935\u0930 \u0927\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0928\u0947\u0915\u094d\u0938\u0938 \u0935\u0947\u0902\u091a\u0930 \u092a\u093e\u0930\u094d\u091f\u0928\u0930\u094d\u0938 (Nexus Venture Partners), \u090f\u0915\u094d\u0938\u0947\u0932 (Accel)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u092e\u093f\u0928\u093f\u0938\u094d\u091f\u094d\u0930\u0940 \u0911\u092b \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f \u0905\u092b\u0947\u092f\u0930\u094d\u0938 (MCA) \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 NBFCs:<\/strong><\/h3>\n\n\n\n<p><strong>\u0928\u093f\u0927\u093f \u0915\u0902\u092a\u0928\u0940 (Nidhi Company):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u093e\u0930\u094d\u092f: <\/strong>\u092f\u0947 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 \u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0938\u0947 \u091c\u092e\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902 \u0914\u0930 \u0915\u0947\u0935\u0932 \u0906\u092a\u0938\u0940 \u0932\u093e\u092d \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0915\u094b \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u091c\u093e\u0917\u0943\u0924\u093f \u0928\u093f\u0927\u093f \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (Jagriti Nidhi Limited) &#8211; \u0930\u093e\u091c\u0938\u094d\u0925\u093e\u0928, \u092f\u0942\u0928\u093f\u092b\u0930\u094d\u0938\u094d\u091f \u092e\u094d\u092f\u0941\u091a\u0941\u0905\u0932 \u092c\u0947\u0928\u093f\u092b\u093f\u091f \u0928\u093f\u0927\u093f \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (Unifirst Mutual Benefit Nidhi Limited) &#8211; \u092e\u0939\u093e\u0930\u093e\u0937\u094d\u091f\u094d\u0930<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0930\u093e\u091c\u094d\u092f \u0938\u0930\u0915\u093e\u0930\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 NBFCs:<\/strong><\/h3>\n\n\n\n<p><strong>\u091a\u093f\u091f \u092b\u0902\u0921 \u0915\u0902\u092a\u0928\u0940 (Chit Fund Company):<\/strong><\/p>\n\n\n\n<p><strong>\u0915\u093e\u0930\u094d\u092f:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u090f\u0915 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u0918\u0942\u0930\u094d\u0923\u0940 \u092c\u091a\u0924 \u0914\u0930 \u090b\u0923 \u0938\u0902\u0918 (Rotating Savings and Credit Association &#8211; ROSCA) \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u090f\u0915 \u0938\u092e\u0942\u0939 \u0915\u0947 \u0932\u094b\u0917 \u090f\u0915 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u092a\u0942\u0932 \u092e\u0947\u0902 \u0927\u0928 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092e\u0939\u0940\u0928\u0947, \u090f\u0915 \u0938\u0926\u0938\u094d\u092f \u0915\u094b \u090f\u0915\u0924\u094d\u0930\u093f\u0924 \u0927\u0928\u0930\u093e\u0936\u093f \u0926\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0947 \u0928\u0940\u0932\u093e\u092e\u0940 \u092f\u093e \u0932\u0949\u091f\u0930\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u091a\u0941\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0924\u092c \u0924\u0915 \u0926\u094b\u0939\u0930\u093e\u0908 \u091c\u093e\u0924\u0940 \u0939\u0948 \u091c\u092c \u0924\u0915 \u0915\u093f \u0939\u0930 \u0938\u0926\u0938\u094d\u092f \u0915\u094b \u0909\u0938\u0915\u0940 \u0939\u093f\u0938\u094d\u0938\u0947\u0926\u093e\u0930\u0940 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932 \u091c\u093e\u0924\u0940\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0917\u094b\u0915\u0941\u0932\u092e \u091a\u093f\u091f\u094d\u0938 (Gokulam Chits), \u0915\u0947\u0930\u0932 \u0938\u0930\u0915\u093e\u0930 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u091a\u093f\u091f\u094d\u091f\u0940 (Government of Kerala Linked Chitty)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs) \/\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs) \/\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u090f\u0935\u0902 \u0917\u0948\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (NBFIs) \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0918\u091f\u0915 \u0939\u0948\u0902 \u091c\u094b \u092a\u0942\u0902\u091c\u0940 \u091c\u0941\u091f\u093e\u0928\u0947, \u0928\u093f\u0935\u0947\u0936 \u0914\u0930 \u0935\u093f\u092a\u0923\u0928 (\u0935\u093f\u092a\u0923\u0928 = \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u093f\u0902\u0917) \u0938\u0947\u0935\u093e\u0913\u0902 \u092e\u0947\u0902 \u0938\u0915\u094d\u0930\u093f\u092f \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0939\u094b\u0924\u0947 \u0939\u0941\u090f \u092d\u0940 \u090b\u0923, \u092c\u0940\u092e\u093e, \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u093f\u092a\u0923\u0928 \u091c\u0948\u0938\u0940 \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 NBFIs \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 \u0915\u094b [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":27106,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"right-sidebar","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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