Let we First know wat is a BANK its Features and Types?

A Banking is a FINANCIAL ORGANISATION where people deposits their money for their safety purposes. And also banks provide loan to a customer who wants money with rate of interest to earn profit (ie)engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit etc.
Simply in other terms, A bank is a Financial institution which accepts CAPITAL from public as a savings and lends those CAPITAL to public who seeks money.

Banks play an important role in the financial system and the economy. As a key component of the financial system, banks allocate funds from savers to borrowers in an efficient manner.

And how the bank get money to provide loan to customer??

    

The answer lies within. Because of deposits. So only all banks attracts customers by providing some ROI (Rate of Interest).
And banks face some stiff competetion by varying rate of interest from one bank to another bank to attract customers.

Types Of Banking

• Retail banking: Banking services for individual customers is known as Retail banking. 
• Merchant banks: A bank that deals mostly in but international finance, long-term loans for companies and underwriting. Merchant banks do not provide regular banking services to the general public
• Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank.
• Mobile Banking is a service that allows you to do banking transactions on your mobile phone without making a call , using the SMS facility. Is a term used for performing balance checks, account transactions, payments etc via, mobile device such as a mobile phone. 
• Traditional banking is the normal bank accounts we have, put your money in the bank and they act as a security and you will get only the normal interests (decided by RBI in our case, FED bank in US). 
• Investment banking is entirely different. Here, pepole who are having so much money (money in excess which will yield only less interest if in Banks) will invest their money and get higher returns. For example, It i have more money instead of taking the pain of investing in share market, buying properties etc. I will give to investment banks and they will do the money management and give me higher returns when compared to traditional banks.

Financial Year Of the Banks:

Financial Year of the banks       - April 1 to March 31
Financial Year of RBI                 - July 1 to June 30
Financial Year of World bank   -  Oct 1 to Sep 30