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UPSC CSE 2022: This UPSC Topper Is Highly Active On Social Media: IAS Tina Dabi| AIR 1 (2015) 44 mins ago.TMC Recruitment 2022: Apply for Nurse, Lab Technician & Other Posts at, Check Eligibility just now.ICMR NIMR Recruitment 2022 for Junior Nurse, DEO, Field Worker and Others Check Eligibility just now.What is the difference between payments banks and commercial banks? Scheduled banks do care about the interests of the depositors while Non-Scheduled Banks don’t do so because they are bound to follow the guidelines of RBI. So from the above description it became clear that Scheduled banks and Non-Scheduled Banks are different not only in their functioning but also in the regulations made by the RBI. Scheduled banks and Non-scheduled banks both need to maintain the Cash Reserve Ratio but Scheduled banks have to deposit this amount in the RBI while Non-scheduled banks can deposit this amount with themselves. Scheduled banks can become a member of clearing house while Non-scheduled banks can't.ĥ. Scheduled banks are allowed to borrow money from RBI for regular banking purposes while Non-scheduled banks are not allowed.Ĥ. Scheduled banks are eligible for inclusion in the second schedule to the Reserve Bank of India Act, 1934 while Non-scheduled banks are not included in the second schedule.ģ. Scheduled banks follow the rules made by the RBI while Non-scheduled banks do not follow the rules made by the RBI.Ģ. Key differences between the Scheduled Banks and Non- Scheduled Banks are ġ. Example: All local area banks are called the Non-scheduled banks.