• A.Delphin Sudha
• Prof.A.Velanganni Joseph
• S.Kumararajan

Banks are the important segment in any financial system. In India Reserve Bank of India plays a major role on the Indian banking system. Any successful bank is to manage their funds to meet the liquidity and maximize the profit within the regulatory frame work of the central bank of the country, the Reserve Bank of India. In order to obtain this objective proper utilization of its funds resources is to be planed. PSBs play an important role in the development of a country. A sound, progressive and dynamic banking system is a fundamental requirement for economic development. As an important segment of the tertiary sector of an economy, PSBs act as the backbone of economic growth and prosperity by acting as a catalyst in the process of development. They inculcate the habit of saving and mobilize funds from numerous small households and business firms spread over a wide geographical area. The funds so mobilized are used for productive purposes in agriculture, industry and trade In India the nationalized banks are working with the social objective in addition to making profits. The mobilization of deposits and lending to priority sectors making them to be in a different plane compare to others. In this context funds management is the most important to maintain profits. The banks are to keep certain percentage in the form of cash reserves and Government/approved securities. The balance is available for lending subject to the regulatory guidelines such as lending to agriculture, MSME, exports and other conventional areas. The lending by banks gives rise to credit creation and increase money supply which in turn helps the economy to grow. The following are the five nationalized banks were considered as under which are originated from South part of India.

FUNDS MANAGEMENT IN BANKING SECTOR WITH REFERENCE TO SELECTOR PUBLIC SECTOR BANKS

"FUNDS MANAGEMENT IN BANKING SECTOR WITH REFERENCE TO SELECTOR PUBLIC SECTOR BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 11, page no.1443-1450, November-2019, Available :http://www.jetir.org/papers/JETIR1912190.pdf

"FUNDS MANAGEMENT IN BANKING SECTOR WITH REFERENCE TO SELECTOR PUBLIC SECTOR BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 11, page no. pp1443-1450, November-2019, Available at : http://www.jetir.org/papers/JETIR1912190.pdf