Transforming The Indian Banking Sector: Private Banks At The Forefront | Rahul Malodia
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- Опубликовано: 5 окт 2024
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Welcome to our in-depth exploration of the banking industry in India, where Rahul Malodia delves into the revenue models and growth strategies that have propelled both private and government banks to new heights.
In this informative video, Rahul Malodia dissects the revenue modules employed by Indian banks, analyzing the various sources that contribute to their financial success. From interest income and fees to investments and ancillary services, we reveal the intricacies of how banks generate revenue in the dynamic Indian market.
Through engaging visuals, insightful interviews, and expert analysis, Rahul Malodia provide a comprehensive overview of the growth trajectory of Indian private banks. Discover how these institutions have adapted to changing consumer preferences, leveraged technology to enhance efficiency, and capitalized on the vast potential offered by India's burgeoning economy.
Don't miss out on this captivating exploration of Indian private and government banks' revenue modules and the unparalleled growth they have achieved. Subscribe now and stay tuned for an engaging and enlightening discussion on the forces driving the success of the Indian banking sector.
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Rahul Malodia is a professional CA, Management Consultant, And Business Coach. He started a revolution for Businessmen, with a mission in his eyes of Business Freedom. He begins with a basic session where you will find every aspect of your business. It is applicable to every business, be it big or small.
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Email : contact@rahulmalodia.com
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L&T Company ke bare case study kijiye sir please ye 2 bar msg. Hai please aap kuch sochiye or kijiye ok
As a student mujhe aapka video bahot acha lagta hai 💖💖💖💖👑💖👑
Yeh ads TCS se hota toh log skip na krte video ko.
kis sector me bank open krwana chahiye
3.75 trillion economy par ho jaye kuch? agle 10 saal ka view. konse sector bdiya krenge yaa demand mei honge. ek infrastructure development like railway and highways pe ho jaye
Additionally, for the entire financial year 2022-23, SBI achieved a profit of Rs 50,232 crore, a substantial rise from Rs 31,675 crore in 2021-22.
Yes...psus are overall good considering the demography of india
SBI profits mostly came from Government businesses, they don't care about retail customers.
@@a.veduworld1684PSUs, ONGC,LIC, RBI pays more than 2 lakh per year to govt
That's literally 8% revenue.
Yes by collecting fines for non ethical things like not maintaining min balance
There is one more reason why pvt banks have more profit, they pay less to their employees in comparison to govt and also exploit a lot to meet the target
But high ranked pvt bank professionals are paid in crores even
Private Banks pay more to their employees now a days.
@@Haharma6979 they are very few in number and they enjoy the maximum benifits,they generally are from IIM but if you see the total salary structure of all employees end to end then you can realise how much disparity is there between govt and pvt
@@Haharma6979 Take a simple example of Sbi po and icici bank po, in icici starting salary is 30k approx and sbi po gets 70k and with allowances it crosses even 1 lakh, after 5 years also case is same and even worse, I have two such friends that's why I am saying and also pvt banks are so desperate to meet their targets and I doubt any pvt bank employee can withstand that pressure till their 60s.
@@argha5327 yes you r absolutely right. That is the reason ei baal gulor gareh etoh rosh.
Just note that
Moto of PSU bank is just to provide financial services to the all regions of india with low cost while for private banks the moto is only profit
But
SBI done very good by both providing goverment facilities such as rural schemes and also making HUGE profit ❤
Facility and sbi😂😂😂😂😂!just two opposite ends of a river!
@@hrithikjain5466 mere sath kabhi koi bura behaviour nahin hua sbi main
@@Yogendra_Yadav yes now many sbi branch improve day by day
@@Yogendra_Yadav god has a separate eye on you man....in short you are a damn lucky guy apart from rest of INDIA....becoz what normally we get in any PSUs is an excuse to come tomorrow and nothing else....whether you visit for an FD,for a debit card or anything else(sometimes even for checkbook print in so advanced environment of machines!)
@@Yogendra_Yadav bhai konsi branch hai yai sbi ki mai bhi wahi khulaunga😂
I never trust private banks with my money and also I will never take loan from them. But will sure invest in private banks as they always focus on profitability no matter what(i.e. even by cheating their own customers)
I always trust public sector Banks with my hard earned money.
SBI is public sector ... its now in adani's pocket.... if adani goes... sbi will disappear in a day
Reddy2008, you are in 2008. Now govt banks Outdated. It's the time for our high tech banks HDFC ICICI Axis.
@@nuukizmir education loan lena kisme asaan h or beneficial h? As an 18 yo student, konse bank m acc open karau?
@@nuukizmir ha ha.. yet I will never trust private banks
@@dhroovjindal9629 ICICI, HDFC
Rip to your knowledge, SBI profit for 2022-23 was 50,000 crore which is much more than HDFC.
56000 carore in,
👍👍👍
There is no comparison between public sector and private sector.... because public sector bank is service oriented banks and private bank are profit oriented.....
What type of service ?
Pmsby,pmjby,APY,zero balance accounts.managing old age pensions..maitaining trust of crores of people
@@PastEventsTVmudra , MSY ,PMEGP and many other services
Bhai wo investment purpose se comparison kr rhe aur investment purpose se wahi bank acha hoga jo profitable jyada hoga aur risk ache se manage krega. Kon sa bank public ko jyada serve kr rha wo irrelevant hai investment purpose se.
In HDFC, if you keep high enough FD balance, a majority of those services are free, which are not available in Govt banks, such as a locker of any desired size. Its credit card also beats anything offered by govt banks.
I needed a debit card with online payment facility in 2010. In govt banks, nobody knew what online payment is. However, Axis Bank issued it in 10 days, and activation took another 2-3 days.
Govt banks are good for lower volume customers, such as students and pensioners
My son is in HDFC Bank and he working ten to twelve hours per day. Also on weekend he has to attend account holders phone on weekly off. My son in law is in government bank. And he is no more responsible afor the holidays..
Public bank mai bhi same hai. Mera ek brother SBI PO post mai hai. Sunday ko bhi jana padta hai bank mai
ऐसा बात नहीं है सर पीएनबी , यूनियन , सेंट्रल बैंक , बहुत अच्छे से हम लोग से बिहेव करते हैं वहां के स्टाफ
Im from BHAGALPUR, BIHAR
Kya Ye bank government wale h??🤔
I got addicted to your videos
My day seems waste if I didn't take a dose of your videos
Lots of thanks for changing my life ❤️🙏
Each and every PSUs are doing great. SBI did a massive profit 50k+ crores.
One correction for FI 2022-23
Sbi profit 55k crore
Bob profit 15k crore
Canara profit 12k crore
Iska mtlb inka bhi information galat he?
@@ThaakurAstrologyvastu
Yes he shares incorrect data.
@@adarshadarsh8362source ??
Sir, "Why Wealthy Indians Are Leaving India" iss Topic par video bana dijia......
Psu is not meant for only profit
It is also for welfare of common people. That public (people) sector union. If you anyone have problem of account opening with any psy Bank, then he can open all accounts in pvt Bank only. Tell also others that psu bank is very bad and their employees is bad . Only take salaries and do nothing. PNB loss me gya kisika Paisa dooba yes Bank loss me gya, customers suffered. Any way you all are free to open account in either psu or pvt . Your choice
H tho psu barbad honge future me
Lekin Manufacturing sector me PSU kabhi bhi Private Companies se competition nahi kar sakti jaise Scooter banane wali company "Scooter India limited" ek sarkari company thi, lekin ye company kabhi bhi Bajaj, TVS or Hero Motocorp jaisi private companiyo se competition nahi kar payi kyuki Bajaj, TVS or Hero motocorp R&D pe kaam karke naye naye product launch karte rahe or "Scooter India limited" ne Kabhi bhi R&D pe kaam nahi kiya
Common welfare abe jaake sbi me na account khulwane jaa ITNE COUNTERS ME GHUMEGA NA KI HOSPITAL PAHUNCH JAYEGA, ghanta ka welfare.
Lunch karna kabse public welfare ho gaya
@@gauravbhutani6736 Sahi bola.....SBI ke employee Suwar ke Aulad hote.....Mujhe to mann karta hai pakad ke Maru salo ko
Sir
PSU do not work for only profit PSU also work social responsibility
Kaun pvt bank fd pe 7 percent deposit leke 7percent per kcc loan dega
No profit but running cost
Sir I am working in banking sector and I need some important content related to banking sector.Please go on and make the video on banking sector
In which bank and in which line ?
Whatever you say ,my full trust is in government bank(SBI) ...
There is no government Bank in India. Those are called PSU banks.
Yes me too
Bro sabka limition hai
Chal bhai lunch ke baad aana.😂
Govt bank me 500 rs pe account open hota hai aur bohat kam additional charge lagate hai aur pvt bank me 10000 minimum balance lagata hai aur agar maintain nahi kiya to 600 rs charge lagata hai evry month esape aapaka view kya hai 😊
Kotak 811, federal ( Jupiter,fimoney)Neo, IndusInd bank naam liklo
I support
@@anirbansaha3355ये सभी भले जीरो बैलेंस एकाउंट है
पर इनमें भी डेबिट कार्ड चार्ज 250 लगता है जबकि सरकारी बैंक में 150
और ये सभी neo एकाउंट है तो पैसे जमा करने तेरे घर तो लोग जाएंगे नही।
Ur right
@@anirbansaha3355 matlab?
I am a shareholder of HDFC bank and IDFC FIRST bank
I am shareholder of Axis Bank and ICICI Bank.
Due to high pressure on private bank employees sometimes they provide misleading information to the client in order to get their money. This is why I don't see a better future of private banks.
Which one will you recommend?
Sbi vs hdfc vs icici
Good way to promote....but i will always support PSU BANKS like PNB /SBI ETC....because they are service oriented....but private banks are profit oriented.... while levying high charges .....we need to promote PSU so that government can also make some money
With all such hurdles and limitations mentioned in the video sbi still manages to earn almost equal profit to any private bank..
Just another perspective to lool at the matter
Public sector banks are build with inherited trust of people That drives up the market capitalism.
If sbi were allowed to charge as much as a hdfc or a icici does on every single thing sbi would undoubtedly bring all the private banks at its feet.
The profit of PSU banks has across the mark of 1 lakh crore in last financial year
Moral. Private banks are charging higher in the name of service is limited centres while psu banks are available everywhere and have cheaper options. Some service you might face uncomfortable but it's the better option to choose.
Hello Sir!
Would you mind making a video on the options of whether to finance a car or lease a car? Which option is better?
Bank of baroda is performing very well in last 6 months !
You didn't mention about single bank account users and multiple bank account users. I think the reason behind the rise of accounts in the private banks is nowadays most of people have account in multiple banks.
Thoda public sector enterprises pe bhi video banaiye . Wo bhi hamari economy ka bada part hey. It's a request
Senhor, cada vídeo seu é cheio de conhecimento e em algum lugar nos torna conscientes da realidade.🙏🏼
One & only reason to switch from government Bank to private bank is service which private bank gives to there customer
Only if you can keep enough money in the account,then they will give service
Privates do Class Banking and PSU s do Mass banking...PSU s focus on the development of society and pvt s focus in development of the investors only ..But Today's sad reality is PSU are starting to follow the pvt banks. Which is not desirable ..PSU banks r for all Indians and pvt banks are for rich Indians only.
You are right bro
Non-interest income earned by private/Public banks
How, data analysis, future
Please make video on this
Hello sirjee you always show us a great Subjects video . This time I would suggest you to create a case study on life insurance companies of India also including the comparison between govt and private . Thier security n working .
Great 🇮🇳 ka upgreat youth ho aap
Youth? 😂
Sir ,please make video on dark side and good side of insurance companies. Should we get it or not📌📌
Both are good at their place 😊
It is about service and easy to access of banking services that is why customers are moving from PSU to private bank
सर आपकी वीडियो से बहुत ही कुछ सीखने को मिलता है
Bhai is energy se aap public ko motive karo g to is country ka bhala ho Jaye ga....
Signature line of Rahul sir : JANTA JANARDAN KI JAY....
Hello sir
Please make a video on government bank exams preparation, reality and pros-cons🙏
Finance ka tadka jai ho Rahul ji.......
Best private bank is IDFC bank, it is the best Bank with all premium services at 10k maintenance. While Bank of India is good bank as govt bank, its central govt bank if need security plus less cost at just 1000 maintenance.
I have used all major banks in India, above banks are just gold.
I like HDFC and kotak
@@educationandlearn5325 Both are horrible with their charges, if you are using maximum then you will realise they are monster. I am using IDFC for few month most peaceful pvt banks, I have zero deduction while earning interest on savings at 6%. Best bank for me.
@@educationandlearn5325 I have HDFC which I gonna close after my loan closures. Kotak is no better.
I like punjab national Bank, state Bank, Axis Bank
All of you guys know zero. You are comparing banks by the charges.
Although private banks are doing great, they are the worst in terms of workplace pressure and politics from the perspective of an employee. They are pressurised to meet their sales targets on daily basis like a daily wage corporate labour.
Getting Rahul's Advertisement on Rahul's Video only
Miracle Miracle 😂
PSU / government Bank are for all of the mass & private for class big major difference between these two
SBI mai account hai mera pehali mera jadatar pasa usi mai rehata tha abb Kotak mahindra mai rehata hai. Bhalai hee mujai thoda costly padai private bank par facilities or services achi mill rahi hai. Mera atm card Apply kartai hee 3-4 dinn mai aa gaya tha kotak kaa wahi sbi kaa 1year 2months badd aya. Orr phir bhi unhonai mujai inform tak nahi kia
Thank you so much sir for this valuable video
Good morning sir,
Please make video on insurance sector performance and information like in this video.
Hello brother
Only profitability can't be deciding factor, there are many other things.
You will find financial services in rural area only by psb.
Street vendor, rikshaw man, vegetables seller's and many other lower income group or below avarage income group can avail financial services in public sector bank.
Private sector banks provide services to creamy persons that covers only 30% of indian population.
O
Public sector banks in India have several advantages over private sector banks.
Since these banks are owned and controlled by the government, providing them with a strong and stable backing. This government support ensures that public sector banks are less susceptible to financial instability and bankruptcy, which can instill confidence among customers.
Public sector banks have a social obligation to serve the entire population, including rural and economically weaker sections. They are more focused on financial inclusion and providing banking services to underserved areas, contributing to the overall development of the country.
They often offer lower interest rates on loans and credit facilities compared to private sector banks. This makes borrowing more affordable for individuals, small businesses, and industries, fostering economic growth and development.
Public sector banks have a mandatory requirement to lend a certain percentage of their funds to priority sectors like agriculture, small-scale industries, education, housing, and other sectors of national importance. This ensures that credit is made available to sectors that are vital for the country's development.
They also have a long-standing history and are seen as more stable and trustworthy by the general public. They are often perceived as less prone to risky practices and are subject to stricter regulations and oversight, which can enhance customer confidence.
They typically have a wide network of branches across the country, including remote and rural areas. This extensive presence ensures greater accessibility to banking services for people in various regions, even in areas where private sector banks may not have a strong presence.
Public sector banks provide a significant number of employment opportunities. They are known for offering job security, attractive compensation packages, and various employee welfare schemes. This makes public sector banks an attractive career option for many individuals.
On these parameters the public sector banks far outweigh the private sector banks which cannot be overlooked.
Small Finance banks have to do 75 percent priority sector lending like Vendors MSME farmers etc
Prnaam Rahul bhaiyaa
Thanks for this detail & useful info about banks .
Plz one video on how you create this type video . Which tools you used for creating animation. So we can also learn for our students to create school topics videos in such a way. So plz guide us how you create your video & what technology is needed
Hi, Good Morning sir . I have a query regarding the listing of the company. If we are taking a small company which is already listed in BSE then is it possible to convert into NSE. Any consequences ?
Make a video on why boeing and airbus dominates the plane manufacturing industry
प्राइवेट अमिरो बैक है सरकारी गरीबों का है
SBI alone has a customer base of almost 25 crore. What about the Pvt players in this parameter???
Excellent explanation Rahul ji ❤
Firstly as a banker i tell you...There is lot of divergence for bussiness in private banks....The prime example is Yes bank....Private bank work more on less on same lines....Violation of kyc norms....Audit norms are more strict in psu banks....Rbi needs to check what policies are being followed by private banks....whether it is working capital finance, Personal finance, to aquire the customer they offer a lower intrest rate but after some period they hike it. If your bussiness starts shaking, immediatly they will putting extra pressure to exit.....
Great knowledge sir ❤
Sir ek Video 'MLM/Network marketing' par bhi bna do. karni chaye ke nhi karni chaiye.? 🙏
Sir please make a video on future bank jobs or banking careers please sir
Please make video, which bank is best for long term investing, all details, like management, CEO, financials.
Very intelligent person ❤
बहुत ही प्रेरणादायक भईया
###
Please make a video on different finance job profiles.
Also mention those profiles where a graduate with some skills can enter a job and till which extent he can grow.
Kindly explain called private bank are more technically advanced than psbs..In which aspect it's technically more advanced..1.can u give example what can't be done through psb bank application which u can do by private bank from customer perspective 2.What are the banking operation technical advancement are present in private bank which are not in psu with example......3.In case of FD percentage increase in private bank..there's are two reason .I) They are giving more interest compared to public sector bank like Bandhan bank and more...Ii)Those bank giving more interest in fd also taking more interest in loan ,they are following business module like yes bank,,what is there future you better know...
No reply to my comment means no answer to my question..these are the paid lobbyists who wish banks should be private but don't understand 70% Indian population live in village...
Please Sir ek video NBFC pe bnao, thank you sir 💥✨
BOI or PNB me better Kaun hai savings account ke liye? Pls bataiye.
Boo
Sir Apki Video Se hamari Knowledge kafi badti Hai 👍👍👍❤❤❤❤
Video is good but opinion is wrong
Why PSU will outperform
1- good penetration strategy in rural India. I have BOI infront to my home
2- Intelligent people take loan from PSU because they adjust repo and reverse repo woth immediate effect
3: Charges are very less
4: PSU banks are also providing online banking like SBI etc
Last thing: Price to book ratio - All PSU are trading at low PB ratio while private has alreadyoved so now in future PSU banks will be in focus of FII and DIIs. Recent example is HDFC Bank selling
Now think wise 😊
yes sir please upload more informational video on bankig sector ; btw thanks sir for giving us such a important andinformational video on this
Admirable and Knowledgeable Content
SBI --> For FI 2022-2023 profit is more than 50K crore
And PSU banks overall profit is more than 1 lakh crore
And PSU banks main objective is social services
Rather than private banks main objective is profit
Hahaha 🤣🤣🤣 sbi social service krti h
You should discuss how a private bank do business by hooks and crooks
Sir where can i cross verify the data you have shown in your video ?? Do you have any authentic source ??
Please make a video on SAHARA INDIA🙏
Amazing ❤️ 👏
Fair comparison …. But in practice no comparison of working as it’s entirely different in both the private and Goverment… and add on that SBI cannot be compared with any bank as all the Goverment funds are with them along with all the schemes tom implement …. So they have luxuries with responsibilities.
It is legal fact that only state bank and nationalised bank has implicit guarantee of all of their deposit liabilities.
I'm agreed 50% with you. Your conclusion is private banks are the best but mine government banks.
10:57 sir apto biased hogey yha
Recent data hdfc ka leliya but sbi ka 50 k crore hai and hfdc ka bhi issey kam hai
And total psus ka profit more than 1lakh core hai.....there is not a single bank in psus who is loss making
This guy is chamca of privatization , Yes bank jaisa sabko dunanena hai isko
@@AYAN007BOND bilkul
Kya praivet bank me sip karnese jyada fhayda milega 1 video plis sir
Konsa bank jyada behatar higa
Amazing video…!!! 🔥🔥
Keep it up sir 👍🏻👍🏻👍🏻
Boss Ek Video SBI Employees pe bhi bna dijiye. With Reality 😂😂
Title should be " Private vs Sarkari banks"
❤🎉 ThankYouVeryMuch Attitude Towards Gratitude Prem Anand Moun Prarthana Very KIND of Yourself Mentor. FD is Always Safe Secure Investment in Government Banks 😊 Compared To Private Banks!😠! But Yourself Prediction Assumptions Presumption Opinion Guessing Andaaz Mindsets Transform into Private Banks ❤🎉 Flourishing Now Reverse WON Celebration Sure Grace of Abundance Universe BRAHMA GOD! Nice Valuable Vibration Today's Wonderful Analysis!❤️ Thanks.
Sir
Train 🚂 ke uper video shayd wah Private ho jey
train food private ho chuka h BateygA sir hum thoda ।।
Thank you 🙏 videos
Ivey one account in SBI and one in HDFC, it is my personal experience that HDFC bank services are much better than SBI.
SBI is I think best
Please make videos in banking sector
Rahul ji post office ko le ke ek video banaiye.
Very useful and informative video Rahul Ji 🎉🎉🎉🎉👍👍👍👍💥💥💥🎉🎉🎉💐💐💐💐💐💐💐👏👏👏👏👏
Boi
Sir make a video on robert kiyosaki investment strategy
Private bank is far better their services are fast and most importantly server are working properly and no recess time problem 😝
Personal loan lo unse kabhi
@@brucewayne-mh7ul Mene already Liya huva he bro isliye liye bol Raha hu 👍😝
@@educationandlearn5325jya maat udo mera home loon 3 saal ur extend kar diya is pvt bank ne
@@pradippradhan3528 mera already 5 saal extended he 🤣 I know
Or jo charges kat te hai uska kya prvt walo ko
SBI Ke Stuffs Ke Behaviour Sabse Ganda Hai Phir Bhi SBI Itna Zyada Customers Kyun Hai..??
Sir, Iske Upar Ek Video Banaiye Please…..
Great knowledge for us sir ji
Bhai jitna bhi kaho HDFC ke age sob khatam kiyun ki trust customer karte hain isliye toh casa nd fd bagera hote hain nd isliye toh market cap me king hain nd customer ko benefits bhii milta hain...jitna bhi psu wale kahe koi faida nahin ..sach alag hain ...trust nd service bhut barhiya..
Sir PNB ONE hi Punjab National ka kismat badelaga .
Micro finance pe video banaye kaisa future h isme
Middle class ke liye PSU hi accha hai😊😊😊
Thanks for sharing amazing information for the video
I request aap students ki related Videos bhi thoda dallo 😮
Nice work ❤️