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Shortcomings Of Commercial Banking In India
(i) Although the commercial banks have spread their wings to every corner of the country, but considering the huge population in India, their growth in numerical terms in insufficient. This is specially so with regard to rural areas who have about 50 per cent of the bank branches but where 75 per cent of the population of the country reside.

(ii) There are regional imbalances in the coverage of bank offices. Only few states have well developed banking facilities: Assam, Bihar, Arunachal Pardesh and Madhya Pradesh, on an average have lesser number of banks compared to other states. Even from the states which are well baked like Maharashtra, West Bengal and Tamil Nadu, if big metropolitan cities are excluded the population per bank office is larger than the average for these states

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