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Kalyan City is a fast emerging residential township in the Thane district of Maharashtra state, India. It is a central suburban town and resides 54 km north-east of Mumbai. This blog regularly shares quality academic materials. Here we also document our unique experiences and vivid memories of life. Read our lucid, informative articles to excel your understanding, knowledge and success.


Articles published on Kalyan City Life blog is inspired by our work experience, field research, study of various good books and papers, seminars and consultations from subject scholars. Our unique collection of useful study notes is an outcome of a team effort and hard work of Gaurav Akrani, Prof. Mudit Katyani and Manoj Patil.

Distinguish Between Commercial Bank and Co-operative Bank

square 1. Registration ↓

In India, the Commercial Banks are required to be registered under Banking Regulation Act, 1949.

In India, the Co-operative Banks are required to be registered under the Co-operative Societies Act, of the concerned state.

distinguish between commercial bank and co-operative bank

square 2. Main Objective ↓

The main objective of a Commercial Bank is to accept deposits from public for the purpose of lending to industry and commerce.

The main objective of a Co-operative Bank is to accept deposits from the members and the public for the purpose of providing loans to farmers and small businessmen with a motto of service.

square 3. Availability of Funds ↓

Massive funds are available at the disposal of Commercial Banks.

Limited funds are available at the disposal of Co-operative Banks.

square 4. Area of Operation ↓

Commercial banks operate over a larger area. Some commercial banks even have branches in foreign countries.

The area of operations of Co-operative Banks is limited and mostly confined to State. They do not operate at national level nor international level.

square 5. Nationalisation ↓

At present 20 Commercial Banks have been nationalised in India.

In India Co-operative Banks are not nationalised.

square 6. Merchant Banking Services ↓

Commercial Banks provide merchant banking services such as advising the companies regarding the public issue of shares.

Co-operative Banks do not provide merchant banking services.

square 7. Mutual Funds ↓

Commercial Banks in India such as Canara Bank, Bank of India, State Bank of India, do operate mutual funds.

At present co-operative banks in India do not operate mutual funds.

square 8. Basis of operation ↓

Commercial banks operates on the commercial principles. They operate to earn a profit.

The basis of operations is on co-operative lines, i.e. service to its members and the society.

square 9. Rate of Interest ↓

The Commercial Banks provide a lesser rate of interest as compared to co-operative banks.

The Co-operative Banks provide a little higher rate of interest on deposits as compared to commercial banks.


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