The survival kit for any organization is income, and the banking industry is no exception to this. In the last few years, Indian banks (apart from a few exceptional ones), have been able to garner consistent positive profits and that too from sources other than traditional means. What the various ways and means of revenue in banks are and how this progressive transformation has taken place find the center stage in this article.

Lately, Indian banks are diverting off their bread and butter business of lending and accepting deposits, and are resorting to other related activities. Take any bank a public sector or a foreign bank; it is found to have spread its wings across a variety of businesses starting from housing finance, credit card business, investment banking, Internet banking, and consumer loans, to lending to small and medium enterprises, and agriculturists.

With such diversity in activities, banks have been able to reach a state of ample profitability in the recent years. Apart from gaining from the above-mentioned activities, many of the Indian banks were able to record profits owing to few other reasons. A shift in the composition of banks' income is one among the many. Let us see the implication of such a shift to the Indian banks.