Uploaded August 2026 | Updated September 2026, 3 weeks ago

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SBI, Airtel Payments Bank और Gramin Bank — are they the same? No. SBI is a Universal Bank; the other three are Differentiated Banks. Full difference:

India mein sirf ek tarah ka bank nahi hota. SBI aapko sab kuch deta hai — savings account, FD, bade loan, forex, pension account, provident fund, UPI. Ye hai Universal Banking.

Differentiated Banks iske bilkul ulat hain. Ye aapko saari services nahi denge — ya to kuch services milengi hi nahi, ya un par ek limit lag jayegi.

Is video mein cover kiya gaya hai:

- Universal Bank kya hota hai — SBI ka example
- Differentiated Bank ki definition aur unka logic
- Payments Bank — Airtel Payments Bank, payment transfer, mobile & DTH recharge
- Small Finance Bank — Ujjivan Small Finance Bank, chhote loans, financial inclusion
- Regional Rural Bank — gaon mein credit, RRB Act 1976
- Local Area Bank — chhote area ki banking needs

Prelims mein ye topic baar-baar poocha jata hai. Ek baar concept clear ho gaya to question kabhi galat nahi hoga.

Aise aur Economy concepts ke liye channel ko subscribe karein aur bell icon dabayein.

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