The India economy has taken in recent year significant strides towards liberalization and deregulation. In today's market oriented economy, enterprises are expected to be more competitive with their strength rather than being dependent on subsidies or protection from government. In the banking sector particular banks utilize their efficiently and financial position in view of the acute scarcity of resources faced by the country.The modern banking system began with the opening of bank of England in 1964. Bank of Hindustan was the first bank to be established in India in 1770. Three presidency banks known as bank of Bengal, Bank of Bombay, Bank of Madras were open in 1809, 1840 1843 respectively at Calcutta, Bombay and madras. These were later merged into the imperial bank of India in 1919.
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