Indigenous bankers receive deposits and lend money in the capacity of an individual or private firm. There are, basically, four such bankers in the country functioning as non-homogenous groups: 

• Gujarati Shroffs: They operate in Mumbai, Kolkata as well as in industrial, trading and port cities in the region. 
• Multani or Shikarpuri Shroffs: They operate in Mumbai, Kolkata, Assam tea gardens and North Eastern India. 
• Marwari Kayas: They operate mainly in Gujarat with a little bit of presence in Mumbai and Kolkata. 
• Chettiars: They are active in Chennai and at the ports of southern India. 

Source: TMH Ramesh Singh