Which of the following is NOT a nationalised bank?

This question was previously asked in
SSC CGL Previous Paper 69 (Held On: 4 March 2020 Shift 2)
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  1. Punjab and Sind Bank
  2. Punjab National Bank
  3. United Bank of India
  4. State Bank of India

Answer (Detailed Solution Below)

Option 4 : State Bank of India
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Detailed Solution

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The correct answer is the State Bank of India.

Key Points

  • The nationalization of banks began on July 19, 1969, during the tenure of Indira Gandhi.
  • The whole process took place in two phases.
  • In 1969, 14 Private Sector Banks were nationalized that accounted for around 80% of the money deposited in banks.
  • This major financial step was taken up to reform the lending sector and provide credit to some priority sectors like agriculture and small scale businesses.
  • Then in 1980, another 6 banks were nationalized.

Key Points

 State Bank of India:

  • The merger of Bank of Calcutta, Bank of Madras and Bank of Bombay in 1921 laid the foundation of Imperial Bank of India.
  • In 1955 after the enactment of the State Bank of India Act Imperial Bank was renamed as State Bank of India (SBI).
  • Its 60% stake was bought by RBI and SBI came under the control of the Government as Public Sector Undertaking.
  • In 1969, SBI was already under the control of the government hence there was no need to nationalize it.
  • Therefore, although SBI is a Public Sector Bank but is not included in the list of nationalized banks.
  • Currently, SBI is headquartered in Mumbai.

*Industrial Development Bank of India (IDBI) is another Public Sector Bank that is not nationalized.

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