Banking Committees in India: Simple 2026 List for JAIIB, CAIIB & IIBF Exams
Banking committees in India — this guide gives you the latest 2026 information. Key dates, eligibility, fees and study tips for the IIBF exam.
Do you sit for a banking exam? Then you must know the big banking committees. This is one easy chapter. It gives away free marks each year.
Exams love one question type here. They ask, "Which panel said this?" You learn the name. You learn the reform. You score the mark. It is that simple.
This guide lists the key committees in Indian banking. Each one studied a problem. Each one gave advice.
We keep the words short and clear. Read it once a day. The names will stick.
Key Takeaways
- Banking committees are expert groups. The RBI or the Government sets them up.
- Each panel studies one problem. Then it suggests reforms.
- The top name is the Narasimham Committee. It shaped modern bank rules.
- For bad loans, learn three names. They are Narasimham, Khanna, and P Selvam.
- Tandon and Chore go together. Both deal with working capital.
- Study by theme, not by A to Z. It is much easier to recall.
What Are Banking Committees and Why Do They Matter?
A banking committee is an expert group. The Reserve Bank of India (RBI) sets it up. So does the Government of India.
The group looks at one issue. It may be bad loans. It may be weak service.
The group then writes a report. It lists clear advice. Many such reports changed banking law. They also changed daily bank work. So these names matter a lot.
Why Committees Matter for Your Exam
These committees help you in three ways. Here is each one in plain words.
- They are direct. One panel links to one reform. There is no twist. The mark is easy.
- They repeat. The same names come back each year. You will see them in many papers.
- They build your base. They explain the "why" behind today's rules. Think of capital, NPAs, and priority loans.
You face JAIIB, CAIIB, or a bank promotion test. The plan stays the same. Learn the big names first. Then add the rest. Test yourself with our mock tests often.
The Top Committees You Must Learn First
No paper asks all 124 at once. So start with the high-yield names. These give the best return on your time. Learn them well, then grow your list.
1. Narasimham Committee — Banking Reforms
The Narasimham Committee is the top name here. It studied the financial system of India. It set the base for big banking reforms. This came in the open-market era.
The panel shaped three key rules. They are income recognition, asset class, and capital need. If you learn just one name, learn this one. What it changed: it built the modern reform and NPA frame.
2. Tandon and Chore Committees — Working Capital
The Tandon Committee studied bank credit. It looked at how to judge working-capital need. The KB Chore Committee came next. That panel checked the cash credit system.
These two are a classic pair. Exams often ask them as a set. So learn them side by side. See how these rules grew in our free guides. What it changed: it set norms for working capital and cash credit.
3. NPA Committees — Khanna, Narasimham, P Selvam
Bad loans are a hot theme. Three panels matter most here. The Khanna Committee asked for an early-warning system. This was for bad loans, or NPAs.
The P Selvam Committee studied the NPAs of banks. The asset-class norms come from Narasimham. So three names cover this theme. What it changed: these groups built India's NPA checks.
4. Goiporia and Talwar Committees — Customer Service
Customer service is a sure-shot topic. The Goiporia Committee is the go-to name. It worked on service in banks. The RK Talwar Committee also looked at service.
Expect at least one such question. It will ask about a better customer link. So keep both names ready. What it changed: these panels pushed banks to serve people better.
5. Tarapore Committee — Capital Account Convertibility
The SS Tarapore Committee is a key name. It is the standard answer for one topic. That topic is capital account convertibility.
This area is big for CAIIB. It also helps in economics-heavy promotion papers. So do not skip it. What it changed: the panel set the path for capital flows.
Full List of 124 Banking Committees (Reference)
Below is the full master table. It pairs each reform area with its panel. Each row is one easy fact. Skim it daily and the names will stay.
| No. | Reform / Area Studied | Committee |
|---|---|---|
| 1 | NBFC | A C Shah Committee |
| 2 | Final Accounts | A Ghosh Committee |
| 3 | Modalities of Implementation of New 20-Point Programme | A Ghosh Committee |
| 4 | Frauds & Malpractices in Banks | A Ghosh Committee |
| 5 | Development of Capital Markets | Abid Hussain Committee |
| 6 | Changes in NI Act and Stamp Act | Adhyarjuna Committee |
| 7 | Coordination Between Term Lending Institutions and Commercial Banks | AK Bhuchar Committee |
| 8 | Insolvency and Wind-Up Laws | B Eradi Committee |
| 9 | Institutional Credit for Agricultural & Rural Development | B Sivaraman Committee |
| 10 | All India Rural Credit Review | B Venkatappaiah Committee |
| 11 | Stock Lending Scheme | BD Shah Committee |
| 12 | Job Criteria in Bank Loans (Approach) | BD Thakar Committee |
| 13 | Unemployment | Bhagwati Committee |
| 14 | Public Welfare | Bhagwati Committee |
| 15 | Share Transfer Reforms | Bhave Committee |
| 16 | Coordination Between Commercial Banks and SFCs | Bhide Committee |
| 17 | Wage, Income & Prices | Bhootlingam Committee |
| 18 | Agricultural Policy | C Rao Committee |
| 19 | Multi-Agency Approach in Agricultural Finance | CE Kamath Committee |
| 20 | Finance to Small-Scale Industry | Chatalier Committee |
| 21 | Direct Taxes | Chesi Committee |
| 22 | Capital Adequacy of Banks | Cooke Committee (on behalf of BIS – under Basel Committee) |
| 23 | Review Progress and Recommend Improvement Measures of IRDP | DR Mehta Committee |
| 24 | MICR | Damle Committee |
| 25 | Regional Imbalances | Dandekar Committee |
| 26 | Estimation of Employment | Dantwala Committee |
| 27 | Mutual Funds (Functioning) | Dave Committee |
| 28 | Public Distribution System | Dharia Committee |
| 29 | Agricultural Finance | DR Gadgil Committee |
| 30 | Industrial Licensing | Dutta Committee |
| 31 | Extension of Credit Limits on Basis of Consortium | G Lakshmi Narayan Committee |
| 32 | Export Credit | G Sundaram Committee |
| 33 | Lead Banking System | Gadgil Committee (1969) |
| 34 | Rural Finance | Godwala Committee |
| 35 | Customer Service in Banks | Goiporia Committee |
| 36 | Credit Requirements of Leasing Industry | GS Dahotre Committee |
| 37 | Carry-Forward System on Stock Exchanges | GS Patel Committee |
| 38 | Soiled Banknotes | Hathi Committee |
| 39 | Industrial Policy | Hazari Committee (1967) |
| 40 | Working Capital Finance in Banks | IT Vaz Committee |
| 41 | Reforms in Insurance Sector | J Reddy Committee |
| 42 | Functioning of Public Sector Banks | James Raj Committee |
| 43 | Securities Transactions of Banks & Financial Institutions | Janakiraman Committee |
| 44 | Consortium Advances | JV Shetty Committee |
| 45 | Urban Cooperative Banks | K Madhav Das Committee |
| 46 | Introduction of Factoring Services in India | Kalyanasundaram Committee |
| 47 | Education Loan Scheme | Kamath Committee |
| 48 | Small-Scale Industry | Karve Committee |
| 49 | To Review the System of Cash Credit | KB Chore Committee |
| 50 | Non-Performing Assets | Khanna Committee |
| 51 | Agricultural Credit | Khusro Committee |
| 52 | Role of Banks in Priority Sector and 20-Point Economic Programme | KS Krishnaswamy Committee |
| 53 | Indirect Taxes | LK Jha Committee |
| 54 | Financial Derivatives | LC Gupta Committee |
| 55 | Single Window System | Mahadevan Committee |
| 56 | Income Distribution | Mahalanobis Committee |
| 57 | Licensing of New Banks | Marathe Committee |
| 58 | Regional Rural Banks | ML Dantwala Committee |
| 59 | Electronic Fund Transfer | Mrs. KS Shere Committee |
| 60 | Improved Procedures for Transactions in PSU Bonds and Units | Nadkarni Committee |
| 61 | Branch Expansion Programme | Nariman Committee |
| 62 | Financial System | Narasimham Committee |
| 63 | Industrial Sickness and Corporate Restructuring | Omkar Goswami Committee |
| 64 | Institutional Credit to SSI Sector | PR Nayak Committee |
| 65 | Non-Performing Assets of Banks | P Selvam Committee |
| 66 | Productivity, Operational Efficiency & Profitability of Banks | PC Luther Committee |
| 67 | Service Area Approach | PD Ojha Committee |
| 68 | Review the System of Inspection of Commercial, RRB and Urban Cooperative Banks | Pendharkar Committee |
| 69 | Pay Scales of Bank Officers | Pillai Committee |
| 70 | Export Strategy | PL Tandon Committee |
| 71 | Develop Appropriate Supervisory Framework for NBFC | PR Khanna Committee |
| 72 | Agricultural Finance and Cooperative Societies | Purshottam Das Committee |
| 73 | Inspection System of Banks | R Jilani Committee |
| 74 | Agricultural Finance and Cooperative Societies | RS Saria Committee |
| 75 | Competition Law | Raghavan Committee |
| 76 | Tax Reforms | Raja Chelliah Committee |
| 77 | Centre–State Fiscal Relationships | Rajamannar Committee |
| 78 | Changes in Banking Laws, Bouncing of Cheques etc. | Rajamannar Committee |
| 79 | Petrochemical Sector | Rakesh Mohan Committee |
| 80 | Securities Scam | Ram Niwas Mirdha Committee (JPC) |
| 81 | Computerization of Banking Industry | Rangarajan Committee |
| 82 | Public Sector Disinvestment | Rangarajan Committee |
| 83 | Cash Credit System | Rashid Jilani Committee |
| 84 | Industrial Sickness | Ray Committee |
| 85 | Banking Commission | RG Saraiya Committee (1972) |
| 86 | Harmonization of Banks and SSIs | RH Khan Committee |
| 87 | Differential Interest Rates Scheme | RK Hajare Committee |
| 88 | Customer Service | RK Talwar Committee |
| 89 | Enactments Having a Bearing on Agro-Lending by Commercial Banks | RK Talwar Committee |
| 90 | Reforms in Insurance Sector | RN Malhotra Committee |
| 91 | Cooperative Societies | RN Mirdha Committee |
| 92 | Agricultural Credit Delivery | RV Gupta Committee |
| 93 | On-Site Supervision Function of Banks | S Padmanabhan Committee |
| 94 | Inspection of Banks (by RBI) | S Padmanabhan Committee |
| 95 | Rural Credit | Samal Committee |
| 96 | Direct Tax Law | SC Choksi Committee |
| 97 | Agricultural Marketing | Shankar Lal Gauri Committee |
| 98 | Role of NGO and SHG in Credit | SK Kalia Committee |
| 99 | Institutional Credit to SSI | SL Kapoor Committee |
| 100 | Foreign Exchange Markets in NRI Investment in India | Sodhani Committee |
| 101 | Rehabilitation of Sick Industrial Units | SS Kohli Committee |
| 102 | Rationalization of Staff Strength in Banks | SS Kohli Committee |
| 103 | Wilful Defaulters | SS Kohli Committee |
| 104 | Trading in Public Sector Banks | SS Nadkarni Committee |
| 105 | Capital Account Convertibility | SS Tarapore Committee |
| 106 | To Review the Working of the Monetary System | Sukhamoy Chakravarty Committee |
| 107 | Term Loans to SSI | Tambe Committee |
| 108 | Follow-Up of Bank Credit | Tandon Committee |
| 109 | Industrial Sickness | Tandon Committee |
| 110 | Credit Schemes to Self-Employed | Thakkar Committee |
| 111 | Restructuring of RRB | Thingalaya Committee |
| 112 | Rehabilitation of Sick Industrial Undertakings | Tiwari Committee |
| 113 | Lead Bank Scheme (Review) | UK Sharma Committee |
| 114 | Financial Inclusion | Usha Thorat Panel |
| 115 | Mutual Fund Scheme | Vaghul Committee |
| 116 | Revised Methods for Loans (> Rs 2 Lakhs) | Varshney Committee |
| 117 | Review of Rural Financing System | Venkataiah Committee |
| 118 | Consolidated Accounting by Banks | Vipin Malik Committee |
| 119 | To Study Credit Needs of Industry and Trade Likely to Be Inflated | VT Dehejia Committee |
| 120 | Rural Credit | Vyas Committee |
| 121 | Direct Taxes | Wanchoo Committee |
| 122 | Technology Issues in Banking Industry | WS Saraf Committee |
| 123 | Disclosure Norms for Public Issues | YH Malegam Committee |
| 124 | Reforms in Small Savings | YV Reddy Committee |
Note: These names and years come from common study material. Want to quote a year or detail in an answer? Please confirm on the latest official IIBF notification and RBI source.
Banking Committees Grouped by Theme
The fast way to learn is by theme. Put each panel under a topic. Then a theme word brings up the right name. Here is a short, high-yield cheat sheet.
| Committee | Focus area | Key recommendation |
|---|---|---|
| Narasimham Committee | Financial system reforms | Income recognition, asset class, capital need |
| Khanna Committee | Non-performing assets (NPA) | Early-warning system for bad loans |
| P Selvam Committee | Non-performing assets (NPA) | Studied the NPAs of banks |
| Tandon Committee | Working capital | Follow-up of bank credit; working-capital limits |
| KB Chore Committee | Cash credit | Reviewed the cash credit system |
| PR Nayak Committee | SSI credit | Institutional credit to the SSI sector |
| Goiporia Committee | Customer service | Better customer service in banks |
| RK Talwar Committee | Customer service | Improved customer service |
| Cooke Committee | Capital adequacy | Capital norms (Basel / BIS) |
| SS Tarapore Committee | Capital account convertibility | Path for capital account convertibility |
| Gadgil Committee (1969) | Lead Bank Scheme | Set up the Lead Bank Scheme |
| UK Sharma Committee | Lead Bank Scheme | Reviewed the Lead Bank Scheme |
| ML Dantwala Committee | Regional Rural Banks | Set up Regional Rural Banks |
| Thingalaya Committee | Regional Rural Banks | Restructuring of RRBs |
| DR Gadgil Committee | Agricultural / rural credit | Agricultural finance reforms |
| Rangarajan Committee | Banking technology | Computers in banking |
| WS Saraf Committee | Banking technology | Technology issues in banking |
| Usha Thorat Panel | Financial inclusion | Plan for financial inclusion |
| SS Kohli Committee | Wilful defaulters | Also sick units and staff strength |
How to Remember These in the Exam
Do 124 pairs scare you? They should not. Use the right method. Follow this simple, high-return plan.
- Learn the top 15 first. Master the theme table above. These names cover most questions.
- Group by theme. Put names under NPA, farms, service, and tech. Questions come in themes.
- Use small hooks. Try "Tandon for the Watch on credit. Chore for Cash." Hooks stop mix-ups.
- Revise in short bursts. Five minutes a day beats one long cram. Spaced revision wins.
- Turn reading into recall. Reading is not the same as memory. Try our mock tests to lock names in.
Want the same simple style on more topics? Read our free guides. They cover NPAs, priority loans, and more. Keep it light. Keep it daily.
Common Mistakes to Avoid
Even strong students drop these easy marks. Dodge the traps below.
- Mixing similar names. Tandon, Tarapore, and Tambe sound alike. But they cover three different topics. Learn them side by side.
- Mixing the two Gadgils. Gadgil (1969) means the Lead Bank Scheme. DR Gadgil means farm finance.
- Thinking one name means one topic. Take SS Kohli. That panel covered sick units, staff, and wilful defaulters.
- Rote learning with no theme. Plain A-to-Z lists break under stress. Tie each name to a theme.
- Quoting an unsure year. Not sure of a year or detail? Confirm on the latest official IIBF notification first.
Quick Facts at a Glance
| Aspect | Detail |
|---|---|
| Top committee | Narasimham Committee (financial system reforms) |
| Capital adequacy | Cooke Committee (Basel Committee, BIS) |
| Lead Bank Scheme | Gadgil Committee, 1969 |
| Banking Commission | RG Saraiya Committee, 1972 |
| Customer service | Goiporia Committee |
| Financial inclusion | Usha Thorat Panel |
| Where it is tested | JAIIB, CAIIB, IIBF exams, bank promotions |
Frequently Asked Questions (FAQ)
Which is the most important banking committee in India?
The Narasimham Committee is the top one. The panel studied India's financial system. It led to big banking reforms. These cover capital and bad loans. It is the most asked name in banking exams.
Which committee is related to non-performing assets (NPA)?
A few panels touched NPAs. The Khanna Committee asked for an early-warning system. The P Selvam Committee studied the NPAs of banks. The asset-class norms come from Narasimham.
Which committee is linked to working capital finance?
The Tandon Committee is the classic answer. It judged working-capital need and bank credit. The KB Chore Committee checked the cash credit system. The PR Nayak Committee looked at SSI credit.
How many banking committees should I memorise?
Start with the top 10 to 15 names. They sit in the theme table above. The full 124 list is great for promotion exams. But the big names earn most marks.
Are these committees important for JAIIB and CAIIB?
Yes, they are. These names show up in JAIIB and CAIIB. They also show up in IIBF exams and promotions. They are often one-mark questions. For weightage, confirm on the latest official IIBF notification.
Conclusion: Turn This List Into Marks
These banking committees are some of the safest marks around. They are factual. They repeat.
They are easy once you revise. You do not need to be a genius. You just need a smart plan.
Start with the big five. Learn Narasimham, Tandon, Chore, Goiporia, and Tarapore. Then add the themes. Then add the full list. Revise daily in short bursts. Try our mock tests often. Always confirm exam dates on the latest official IIBF notification. Now go make this your strongest chapter.
Related Guides
📚 Free Learning Sessions resources — connect & crack your exam
- 📝 Free mock tests — chapter-wise, exam-pattern, with instant solutions
- 🎮 Matching games — gamified revision of key terms & concepts
- 📄 Study notes & PDFs — downloadable chapter material
- 🎥 Video classes on YouTube — subscribe to @learningsessions
💬 Want the full course? WhatsApp your course name to 8360944207 and our team will set you up.
📱 Study on the go — get our iOS & Android app at iibf.store/app.
For more on banking committees in India. See the official IIBF circulars. Our chapter-wise free notes on iibf.store.
For more on “banking committees in India”, explore our free mock tests and chapter notes on iibf.store.
Bookmark this page — we keep our “banking committees in India” guidance current as IIBF revises its rules.
Still researching “banking committees in India”? Always confirm the latest position on the official IIBF site first.
Practise exam-style questions on “banking committees in India” free on iibf.store to lock in the concept.
Save this “banking committees in India” guide and revisit it during your revision week.
Our free notes cover “banking committees in India” alongside the wider syllabus in one place on iibf.store.
Take a free mock test, download chapter PDFs, or watch a video class — all included on iibf.store.
Keep reading
