Complete Guide to All Banks in India – Step-by-Step Overview

India has a robust banking ecosystem consisting of Public Sector Banks (PSBs), Private Sector Banks, Foreign Banks, Small Finance Banks, and Regional Rural Banks (RRBs). Each bank serves specific needs of individuals, businesses, and government bodies. Below is an A to Z guide of major banks in India, with their functions, services, specialties, and digital offerings.

1. State Bank of India (SBI)

  • Category: Public Sector Bank

  • Services: Savings/Current Accounts, Loans, Fixed Deposits, Digital Banking (YONO App), Forex, NRI Banking

  • Specialties: Largest bank in India, vast rural reach, low-cost loans

  • Digital Products: YONO SBI, Internet Banking, BHIM SBI Pay

2. Punjab National Bank (PNB)

  • Category: Public Sector Bank

  • Services: Personal and Business Banking, Agriculture Loans, Housing Loans

  • Specialties: Merged with Oriental Bank of Commerce and United Bank of India in 2020

  • Digital Products: PNB ONE App, Internet Banking

3. Bank of Baroda (BoB)

  • Category: Public Sector Bank

  • Services: Loans, Deposits, Insurance, Mutual Funds, Wealth Management

  • Specialties: International presence in over 20 countries

  • Digital Products: BOB World App, Internet Banking

4. Canara Bank

  • Category: Public Sector Bank

  • Services: Retail, Corporate Banking, MSME Finance

  • Specialties: Strong focus on MSMEs and government-linked financial schemes

  • Digital Products: Canara ai1 App, Net Banking

5. Union Bank of India

  • Category: Public Sector Bank

  • Services: Savings, Loans, Investment Services

  • Specialties: Merged with Andhra Bank and Corporation Bank in 2020

  • Digital Products: UnionNxt App, U-Mobile App

6. Bank of India (BOI)

  • Category: Public Sector Bank

  • Services: Retail & Corporate Banking, Foreign Exchange, NRI Banking

  • Specialties: Pioneer in digital services

  • Digital Products: BOI Mobile, StarToken

7. Indian Bank

  • Category: Public Sector Bank

  • Services: Agri-Banking, MSME, Retail Banking

  • Specialties: Merged with Allahabad Bank in 2020

  • Digital Products: IndOASIS App

8. HDFC Bank

  • Category: Private Sector Bank

  • Services: Loans, Insurance, Credit Cards, Investment Services

  • Specialties: Best in class digital banking, strong retail presence

  • Digital Products: PayZapp, HDFC MobileBanking App

9. ICICI Bank

  • Category: Private Sector Bank

  • Services: Retail Banking, Corporate Banking, Investment Banking

  • Specialties: Known for innovation and digital-first approach

  • Digital Products: iMobile App, Pockets App

10. Axis Bank

  • Category: Private Sector Bank

  • Services: Personal & Business Banking, Forex, Travel Cards

  • Specialties: Wide range of credit card options and offers

  • Digital Products: Axis Mobile App, Internet Banking

11. Kotak Mahindra Bank

  • Category: Private Sector Bank

  • Services: Zero Balance Accounts, Loans, Demat Services

  • Specialties: High-interest savings accounts, seamless digital onboarding

  • Digital Products: Kotak 811, Kotak Mobile App

12. IndusInd Bank

  • Category: Private Sector Bank

  • Services: Vehicle Loans, Personal Finance, Investment Options

  • Specialties: Strong NBFC and micro-financing roots

  • Digital Products: IndusMobile App, FASTag

13. IDFC FIRST Bank

  • Category: Private Sector Bank

  • Services: Retail Loans, Digital Savings, Credit Cards

  • Specialties: High-interest savings, new-age banking

  • Digital Products: IDFC FIRST App

14. Federal Bank

  • Category: Private Sector Bank

  • Services: Retail, NRI, Forex Services

  • Specialties: Strong NRI presence, especially in Gulf countries

  • Digital Products: FedMobile, WhatsApp Banking

15. Yes Bank

  • Category: Private Sector Bank

  • Services: Corporate Loans, Retail Finance

  • Specialties: Rebuilding trust with regulatory support

  • Digital Products: YES Mobile, YES Robot

16. AU Small Finance Bank

  • Category: Small Finance Bank

  • Services: High-Interest Savings, Vehicle Loans, Insurance

  • Specialties: Fast-growing digital-first small finance bank

  • Digital Products: AU 0101 App

17. Ujjivan Small Finance Bank

  • Category: Small Finance Bank

  • Services: Savings, Microloans, Insurance

  • Specialties: Focused on underserved and rural markets

  • Digital Products: Ujjivan SFB Mobile App

18. Equitas Small Finance Bank

  • Category: Small Finance Bank

  • Services: Savings, Deposits, Loans

  • Specialties: Strong foothold in South India

  • Digital Products: Equitas Mobile App

19. RBL Bank (Ratnakar Bank)

  • Category: Private Sector Bank

  • Services: Credit Cards, Personal Finance

  • Specialties: Popular for super cashback and lifestyle credit cards

  • Digital Products: RBL MoBank

20. Bandhan Bank

  • Category: Private Sector Bank

  • Services: Microfinance, Savings, Loans

  • Specialties: Originated as a micro-finance institution, now full-service bank

  • Digital Products: mBandhan App

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