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The activity of banking has traversed an impeccable journey since its inception, usually traced to the erstwhile Babylon, a period during which the Priests wielded tremendous authority & power, quite naturally they used the religious institutions as the safe places to carry out the earliest forms of banking transactions. The banking business received impetus with the growth of trade & economy throughout the globe. As such banking as is understood in the contemporary society started receiving acceptance in masses & this prompted measures for its proper regulation. Following the trend, India also started active pursuit to reform & redefine the activity which was carried out since the period of Vedas. The present author has made an effort to briefly trace the history of banking throughout world including India & the State of Jammu & Kashmir. The paper also attempts to decipher the barriers which come in the way of reform & development in the current context.

A Brief Account Of Banking History: From Erstwhile Babylon To Present Day Kashmir