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Section 5 b of Banking Regulation Aet, 1949 (Reserve Bank of India), says that "banking is accepting deposits of money from the public for the purpose of lending or investing, repayable on demand or otherwise, and withdrawable with checks, draughts, orders, or other means." In recent years, people have been investing a lot more in their savings. In the same way, banking has changed in many ways: Commercial Banking, Investment Banking, to name a few. Mortgage Banking, Hire-Purchase Loans, Project Financing, etc.