{"id":25663373,"date":"2026-10-20T12:44:46","date_gmt":"2026-10-20T07:14:46","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25663373"},"modified":"2026-10-20T12:45:15","modified_gmt":"2026-10-20T07:15:15","slug":"how-do-banks-make-money","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/how-do-banks-make-money\/","title":{"rendered":"How do Banks Make Money?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ad735ae514fc\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ad735ae514fc\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#How_do_Banks_Make_Money_The_Core_Model\" >How do Banks Make Money? The Core Model<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#Interest_Income\" >Interest Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#Non-Interest_Income_Fees_Commissions_and_Services\" >Non-Interest Income: Fees, Commissions and Services<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#Treasury_Operations_How_Banks_Earn_From_Investments\" >Treasury Operations: How Banks Earn From Investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#How_is_a_Banks_Profit_Calculated\" >How is a Bank&#8217;s Profit Calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#How_Banks_Make_Money_in_India_The_RBI_and_Bank_Types\" >How Banks Make Money in India: The RBI and Bank Types<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#How_Can_You_Pay_Less_to_Your_Bank\" >How Can You Pay Less to Your Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/how-do-banks-make-money\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p>Banks make money mainly by lending at a higher interest rate than they pay on deposits. That gap is called net interest income. Fees, card charges, forex margins, commissions and treasury investments add a second layer of earnings.<\/p>\n<p>In fact, the scale is big. RBI&#8217;s June 2026 Financial Stability Report puts the aggregate profit after tax of Indian scheduled commercial banks at \u20b94.05 lakh crore in 2025-26. This is helped by 14.5% credit growth.<\/p>\n<p style=\"text-align: center;\"><a style=\"text-align: center;\" href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri&#8217;s Personal Finance Online Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Banks earn mainly from the gap between loan and deposit rates.<\/li>\n<li>Net interest margin shows how profitably a bank lends.<\/li>\n<li>Fees, cards, forex and commissions add non-interest income.<\/li>\n<li>Treasury investments can earn returns, but bond prices may fall when rates rise.<\/li>\n<li>Bad loans, costs and regulations reduce final profit.<\/li>\n<li>Compare effective loan costs, check fees and clear card dues to pay less.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_do_Banks_Make_Money_The_Core_Model\"><\/span><strong>How do Banks Make Money? The Core Model<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A bank is a financial intermediary. It collects money from savers and lends it to borrowers. The funds are from:<\/p>\n<ul>\n<li>Savings accounts<\/li>\n<li>Current accounts<\/li>\n<li>Fixed deposits<\/li>\n<\/ul>\n<p>It pays depositors a modest rate, and lends at a higher one. This is done by keeping the difference to cover staff, branches, technology, bad loans and tax.<\/p>\n<p>RBI&#8217;s rate dashboard (July 2026) listed<\/p>\n<ul>\n<li>A savings deposit rate of 2.50%<\/li>\n<li>Term deposit rates of 6.00% to 6.75% above one year<\/li>\n<li>An overnight MCLR of 7.80% to 8.00%<\/li>\n<\/ul>\n<p>An illustrative spread looks like this:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Item<\/strong><\/td>\n<td><strong>Illustrative rate<\/strong><\/td>\n<td><strong>Role<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Interest paid on deposits<\/td>\n<td>6.5%<\/td>\n<td>Cost of funds<\/td>\n<\/tr>\n<tr>\n<td>Interest earned on loans<\/td>\n<td>9.0%<\/td>\n<td>Main revenue<\/td>\n<\/tr>\n<tr>\n<td>Gross interest spread<\/td>\n<td>2.5%<\/td>\n<td>Before expenses<\/td>\n<\/tr>\n<tr>\n<td>Expenses, provisions, tax<\/td>\n<td>Deducted<\/td>\n<td>Costs and risk<\/td>\n<\/tr>\n<tr>\n<td>Net profit<\/td>\n<td>What remains<\/td>\n<td>Final earnings<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Interest_Income\"><\/span><strong>Interest Income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Interest income is the largest source of bank income. It comes from<\/p>\n<ul>\n<li>home loans<\/li>\n<li>vehicle loans<\/li>\n<li>personal loans<\/li>\n<li>MSME loans<\/li>\n<li>credit cards<\/li>\n<li>overdrafts<\/li>\n<li>government securities<\/li>\n<\/ul>\n<p>It is usually the biggest slice of a bank&#8217;s income. This is exactly why lending growth matters so much. Secured loans like home loans carry lower rates because collateral protects the lender. Whereas, unsecured personal loans and cards charge more.<\/p>\n<p>RBI&#8217;s June 2026 report notes that banks have leaned into higher-yielding MSME and retail loans. This helped protect margins even as low-cost CASA deposits lost share.<\/p>\n<h3><strong>What are Net Interest Income and Net Interest Margin?<\/strong><\/h3>\n<h5><strong>Net interest income (NII) = interest earned \u2212 interest paid.<\/strong><\/h5>\n<p>If a bank earns \u20b91,000 crore and pays \u20b9600 crore on deposits and borrowings, its NII is \u20b9400 crore.<\/p>\n<p><strong>Net interest margin (NIM)<\/strong> expresses that income as a percentage of interest-earning assets. It varies by bank type.<\/p>\n<p>In Q2 FY26, private banks reported about 3.87% and state-owned banks about 2.71%, per Business Standard&#8217;s analysis of bank data.<\/p>\n<h3><strong>How much Interest does a Borrower Actually Pay?<\/strong><\/h3>\n<p>Consider an illustrative \u20b910 lakh loan at 9% a year:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Loan tenure<\/strong><\/td>\n<td><strong>Approx. monthly EMI<\/strong><\/td>\n<td><strong>Approx. total interest<\/strong><\/td>\n<\/tr>\n<tr>\n<td>10 years<\/td>\n<td>\u20b912,668<\/td>\n<td>\u20b95.20 lakh<\/td>\n<\/tr>\n<tr>\n<td>20 years<\/td>\n<td>\u20b98,997<\/td>\n<td>\u20b911.59 lakh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>A longer tenure lowers the EMI but more than doubles the interest.<\/p>\n<h3><strong>What does the Repo Rate Hike Mean for Banks?<\/strong><\/h3>\n<p>On 7 October 2026, the RBI raised the repo rate by 25 basis points to 5.50%, its first increase since February 2023, and moved to a &#8220;calibrated tightening&#8221; stance.<\/p>\n<p>Repo-linked loans reprice upward quickly while deposit rates adjust more slowly. Banks must later pay more for deposits. So the margin effect varies by bank.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Non-Interest_Income_Fees_Commissions_and_Services\"><\/span><strong>Non-Interest Income: Fees, Commissions and Services<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Non-interest income is everything a bank earns outside lending. RBI&#8217;s June 2026 report credits its strong growth, along with stable margins, for the sector&#8217;s profit rise.<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Income source<\/strong><\/td>\n<td><strong>How the bank earns<\/strong><\/td>\n<td><strong>Common examples<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Account and service fees<\/td>\n<td>Charges for banking services<\/td>\n<td>Cheque-book fees, locker rent, ATM use beyond free limits<\/td>\n<\/tr>\n<tr>\n<td>Loan-related fees<\/td>\n<td>One-time or recurring charges<\/td>\n<td>Processing fees, late-payment penalties<\/td>\n<\/tr>\n<tr>\n<td>Card income<\/td>\n<td>Fees and transaction earnings<\/td>\n<td>Annual fees, cash-advance charges, interchange<\/td>\n<\/tr>\n<tr>\n<td>Forex and remittance<\/td>\n<td>Margin on currency conversion<\/td>\n<td>Outward remittance, trade finance<\/td>\n<\/tr>\n<tr>\n<td>Commissions<\/td>\n<td>Selling third-party products<\/td>\n<td>Mutual funds, insurance, demat accounts<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>How do Credit Cards make Money for Banks?<\/strong><\/h3>\n<p>Cards rake in dough through<\/p>\n<ul>\n<li>annual fees<\/li>\n<li>interest on the unpaid balances<\/li>\n<li>charges for showing up late to pay<\/li>\n<li>cash advance fees<\/li>\n<\/ul>\n<p>When you go to swipe at a shop, the transaction gets split between<\/p>\n<ul>\n<li>the card issuer<\/li>\n<li>the bank you are shopping at<\/li>\n<li>the company that runs the card network<\/li>\n<li>the payment processor<\/li>\n<\/ul>\n<p>So the issuer also makes some cash from something called interchange income.<\/p>\n<p><span style=\"color: #333333; font-size: 15px;\"><div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\"><\/span><\/p>\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download PERSONAL FINANCE course roadmap<\/button><\/p>\n<\/a><\/div>\n<h3><strong>Do Banks Earn from UPI?<\/strong><\/h3>\n<p>As the government has been giving them a discount on fees, UPI payments from savings accounts have been free to merchants since January 2020. They have also got a huge amount of money back from the government in the 2026-2027 budget.<\/p>\n<p>In 2026 however, the government announced that from September onwards merchants would have to cough up a 0.4% fee on payments that were over 2000 rupees. But this is capped at 300 rupees.<\/p>\n<p>The place that runs UPI has put a temporary hold on that until after the Diwali celebrations. And just to make it clear, customers are not meant to pay this extra bit.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Treasury_Operations_How_Banks_Earn_From_Investments\"><\/span><strong>Treasury Operations: How Banks Earn From Investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A bank&#8217;s treasury invests surplus funds in government securities, treasury bills and approved bonds, earning interest and sometimes trading gains.CRR and SLR shape this business.<\/p>\n<p>The<strong> cash reserve ratio<\/strong> is 3% of net demand and time liabilities. This is held with the RBI without earning interest. The <strong>statutory liquidity ratio<\/strong> is 18%. It is held mainly in government securities that do earn a return.<\/p>\n<h3><strong>Why do Bond Prices Matter to Bank Profit?<\/strong><\/h3>\n<p>Bond prices and interest rates move in opposite directions. If a bank holds a 7% government bond and market yields climb to 8%, the bond&#8217;s price falls and can create a valuation loss. If yields fall, the same bond gains value.<\/p>\n<h3><strong>How are Bank Investments Classified?<\/strong><\/h3>\n<p>Under RBI&#8217;s 2025 investment directions, commercial banks sort holdings into three categories, with Held for Trading sitting inside the third:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Category<\/strong><\/td>\n<td><strong>Full form<\/strong><\/td>\n<td><strong>Main purpose<\/strong><\/td>\n<\/tr>\n<tr>\n<td>HTM<\/td>\n<td>Held to Maturity<\/td>\n<td>Securities kept until maturity<\/td>\n<\/tr>\n<tr>\n<td>AFS<\/td>\n<td>Available for Sale<\/td>\n<td>Securities that may be sold earlier<\/td>\n<\/tr>\n<tr>\n<td>FVTPL<\/td>\n<td>Fair Value through Profit and Loss<\/td>\n<td>Fair-valued, with changes hitting profit; includes Held for Trading (HFT)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How_is_a_Banks_Profit_Calculated\"><\/span><strong>How is a Bank&#8217;s Profit Calculated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Profit is what remains after adding all income and subtracting costs, provisions and tax. An illustrative walk-through (\u20b9 crore):<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Stage<\/strong><\/td>\n<td><strong>Formula<\/strong><\/td>\n<td><strong>Example<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Net interest income<\/td>\n<td>Interest earned \u2212 interest paid<\/td>\n<td>400<\/td>\n<\/tr>\n<tr>\n<td>Non-interest income<\/td>\n<td>Fees + commissions + forex + treasury<\/td>\n<td>120<\/td>\n<\/tr>\n<tr>\n<td>Operating expenses<\/td>\n<td>Salaries, branches, technology<\/td>\n<td>\u2212250<\/td>\n<\/tr>\n<tr>\n<td>Operating profit<\/td>\n<td>NII + non-interest income \u2212 expenses<\/td>\n<td>270<\/td>\n<\/tr>\n<tr>\n<td>Provisions<\/td>\n<td>Set aside for bad loans<\/td>\n<td>\u221250<\/td>\n<\/tr>\n<tr>\n<td>Tax (assumed 25%)<\/td>\n<td>On profit before tax of 220<\/td>\n<td>\u221255<\/td>\n<\/tr>\n<tr>\n<td>Net profit<\/td>\n<td>Profit before tax \u2212 tax<\/td>\n<td>165<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Profit also moves with deposit costs, loan yields, credit quality, operating efficiency and regulation.<\/p>\n<h3><strong>How Profitable are Indian Banks Right Now?<\/strong><\/h3>\n<table>\n<tbody>\n<tr>\n<td><strong>Indicator<\/strong><\/td>\n<td><strong>Latest figure<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Aggregate profit after tax, 2025-26<\/td>\n<td>\u20b94.05 lakh crore<\/td>\n<\/tr>\n<tr>\n<td>Credit growth, 2025-26<\/td>\n<td>14.5% year-on-year<\/td>\n<\/tr>\n<tr>\n<td>Gross NPA ratio, March 2026<\/td>\n<td>1.8% (multi-decade low)<\/td>\n<\/tr>\n<tr>\n<td>Capital to risk-weighted assets, March 2026<\/td>\n<td>17.7%<\/td>\n<\/tr>\n<tr>\n<td>Return on assets \/ equity, 2024-25<\/td>\n<td>1.4% \/ 13.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How_Banks_Make_Money_in_India_The_RBI_and_Bank_Types\"><\/span><strong>How Banks Make Money in India: The RBI and Bank Types<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The RBI regulates banks, steers rates and liquidity, and sets rules on capital, provisioning and customer service.<\/p>\n<p>Public sector banks have wide branch networks and a strong priority-sector role, growing credit at about 16.4% in 2025-26 against roughly 13.5% for private banks.\u00a0Private banks lean more on digital retail lending and fee-based services.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_You_Pay_Less_to_Your_Bank\"><\/span><strong>How Can You Pay Less to Your Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>\n<h5><strong>Compare the effective cost<\/strong><\/h5>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">When you are looking at the headline rate on a loan or card, there is a chance it is not the whole story.<\/p>\n<p style=\"padding-left: 40px;\">You need to factor in the extra fees and charges they sneak in on you, like insurance and processing fees.<\/p>\n<p style=\"padding-left: 40px;\">Check the Key Facts Statement to see what you are really getting.<\/p>\n<ul>\n<li>\n<h5><strong>Use the prepayment rule<\/strong><\/h5>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">As of January 2026, if you take out a loan or renegotiate one, the RBI is saying you should not have to pay a prepayment charge, unless you are a business.<\/p>\n<ul>\n<li>\n<h5><strong>Pay card dues in full<\/strong><\/h5>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">If you just keep rolling over the balance on your credit card, it can end up costing you an arm and a leg.<\/p>\n<ul>\n<li>\n<h5><strong>Read the fee schedule<\/strong><\/h5>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">Banks are supposed to put their service charges right up on their website for all to see, but you know that doesn&#8217;t always happen.<\/p>\n<p style=\"text-align: center;\"><a style=\"text-align: center;\" href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri&#8217;s Personal Finance Online Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Banks make most of their money from the difference between what they pay you to keep your money with them and what they charge the people who take out loans.<\/p>\n<p>Fees from cards, foreign exchange and commissions are all part of that too. But what actually ends up on the bottom line depends on all sorts of things &#8211; how much they pay out in loan losses, how much they have to keep on hand for emergencies, and all the rules and regulations the RBI throws at them.<\/p>\n<p>For customers, every single service you use is a source of income for your bank. So compare the effective cost of a loan, understand what those card charges mean and go check the fee schedule before you commit to anything.<\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong> The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>RELATED POSTS<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/can-a-bank-freeze-your-account-if-you-dont-update-kyc\/\"><b>Can A Bank Freeze Your Account If You Don&#8217;t Update KYC?<\/b><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/support-and-resistance-explained\/\"><b>Support and Resistance Explained: How Traders Spot Price Levels that Matter<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-check-if-someone-took-a-loan-in-your-name\/\" target=\"_blank\" rel=\"noopener\"><b>How to Check If Someone Took a Loan in Your Name<\/b><\/a><\/p>\n<\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/smart-way-to-buy-a-car-in-india\/\"><b>Smart Way to Buy a Car in India<\/b><\/a><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/why-rich-dad-poor-dad-author-robert-kiyosaki-says-he-is-in-debt\/\" target=\"_blank\" rel=\"noopener\"><b>Why &#8216;Rich Dad, Poor Dad&#8217; Author Robert Kiyosaki Says He is $1.2 Billion in Debt<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span class=\"close-button\">&times;<\/span>\n<div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f25556854-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"25556854\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/25663373#wpcf7-f25556854-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"25556854\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f25556854-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_group_fields\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_visible_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_repeaters\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_steps\" value=\"{}\" \/><input type=\"hidden\" name=\"_wpcf7cf_options\" value=\"{&quot;form_id&quot;:25556854,&quot;conditions&quot;:[{&quot;then_field&quot;:&quot;group-coding&quot;,&quot;and_rules&quot;:[{&quot;if_field&quot;:&quot;course&quot;,&quot;operator&quot;:&quot;equals&quot;,&quot;if_value&quot;:&quot;Coding&quot;}]},{&quot;then_field&quot;:&quot;group-accounting&quot;,&quot;and_rules&quot;:[{&quot;if_field&quot;:&quot;course&quot;,&quot;operator&quot;:&quot;equals&quot;,&quot;if_value&quot;:&quot;Commerce&quot;}]}],&quot;settings&quot;:{&quot;animation&quot;:&quot;yes&quot;,&quot;animation_intime&quot;:200,&quot;animation_outtime&quot;:200,&quot;conditions_ui&quot;:&quot;normal&quot;,&quot;notice_dismissed&quot;:false,&quot;repeater_remove_button&quot;:&quot;bottom&quot;,&quot;notice_dismissed_update-cf7-5.9.8&quot;:true,&quot;notice_dismissed_update-cf7-6.1.1&quot;:true}}\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"full_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"full_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email_id\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"email_id\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"language\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"language\"><option value=\"\">Language<\/option><option value=\"Malayalam\">Malayalam<\/option><option value=\"Tamil\">Tamil<\/option><option value=\"Telugu\">Telugu<\/option><option value=\"Kannada\">Kannada<\/option><option value=\"Hindi\">Hindi<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"course\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required course-field-select\" aria-required=\"true\" aria-invalid=\"false\" name=\"course\"><option value=\"\">Upskill in<\/option><option value=\"Stock Market Course\">Stock Market Course<\/option><option value=\"Mutual Funds\">Mutual Funds<\/option><option value=\"Forex Trading\">Forex Trading<\/option><option value=\"Coding\">Coding<\/option><option value=\"Commerce\">Commerce<\/option><option value=\"German Language\">German Language<\/option><option value=\"Montessori Teacher Training\">Montessori Teacher Training<\/option><option value=\"OET\">OET<\/option><option value=\"MEP\">MEP<\/option><option value=\"Robotics &amp; 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That gap is called net interest income. Fees, card charges, forex margins, commissions and treasury investments add a second layer of earnings. In fact, the scale is big. RBI&#8217;s June 2026 Financial Stability Report puts the aggregate profit after [&hellip;]<\/p>\n","protected":false},"author":132,"featured_media":25663374,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25663373","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Do Banks Make Money?<\/title>\n<meta name=\"description\" content=\"How do banks make money? 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