The functions of commercial banking are divided into two categories: the primary function and the secondary functions. o Primary Functions Accepting Deposits: Accepting deposits is the most important function of a commercial bank, deposits are accepted according to the requirements of different sections of the society, and as mentioned above, we have different types of deposits i.e. current account or deposits sight deposits, fixed deposits or sight deposits and savings deposits. Advance Loans: The deposits received from the bank cannot remain idle, so after maintaining a certain liquidity reserve, the balance is given to the borrower who needs it and interest will be charged from them which will be the main source of income for the bank. For example, we have different types of loans provided by a commercial bank; cash credit, short-term on-demand loan function. or Secondary