Banking Awareness in Hindi

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  • 1) (RBI) 2 2014 ? IDFC Bandhan Financial Services Private Limited ( 23 , 25 / IDFC , , , , , LIC , L&T RBI 1997 IDFC (infrastructure) 2002 (micro finance institution) 4.5 )

    2) 3 2014 (RBI) - ? . ( - 2014 - RBI - 4 - . . , . . . . RBI )

    3) 1 2014 (Direct Taxes Code DTC) (HUF) ? 10 ( (super-rich category) )

    4) 1 2014 (DTC) ? 35%

    5) 1 2014 (DTC) (dividend income) - (additional income tax) ? 10%

    6) (RBI) 1 2014 - ? RBI (saving accounts) (RBI (basic savings bank deposit account) )

    7) (Axis Bank) 27 2014 24 (RuPay) ? 1998 ( 1998 )

    8) (SEBI) 29 2014 (Ponzi) : SEBI ? 100 ( 17 2014 , )

  • 9) (RBI) - (Basel III) 27 2014 31 2019 ? 31 2018 ( - 8% (capital adequacy ratio) 9% 11.5% (regulation), (supervisory) (risk-management) )

    10) (Confederation of Indian Industry CII) ? . . ( (DCM Shriram) 2014-15 . (Forbes Marshall) CII )

    1) (Credit Information Reports CIRs) 2014 (RBI) ? , HDFC ( : )

    2) (RBI) 9,000 (WLAs) 25 2014 ? SREI (RBI SREI WLAs , SREI )

    3) - (m-Pesa) - 2014 (NPCI) (IMPS) - - ? Mobile Commerce Solutions Ltd (MCSL) ( - NPCI IMPS- (NPCI) (RBI) (IBA) IMPS , 24 )

    4) 2014 9% ? Axis Bank ( (UTI) (SUUTI) 2003 UTI 20.72% (LIC), , )

    5) (RBI) 19 2014 (gold import) RBI 5 ? HDFC , Axis , , - (IndusInd Bank) Yes Bank ( RBI 2013 )

    6) (NSSO) 2014 (monthly per capita consumer expenditure MPCE) ? ( MPCE 3,817

  • : (MPCE . 3,408) (MPCE . 3,189) MPCE ( . 1,507) NSSO 68 2011 2012 )

    7) (NSSO) 2014 (monthly per capita consumer expenditure MPCE) ? ( 2,669 : (MPCE . 2,581) (MPCE . 2,345) MPCE ( . 1,003) NSSO 68 2011 2012 )

    8) 20 2014 - ? . . ( 2009 - 2012 )

    9) SEBI 19 2014 (FTIL) 90 FTIL ? MCX , (NSE), (DSE), (VSE) MCX-SX (MCX-SX CCL) ( 2013 (Forward Markets Commission FMC) FTIL MCX 2% )

    10) 18 2014 3,000 (CPSE-ETF) CPSE-ETF 10 (ONGC), (GAIL), (CIL), (IOC), (CCIL), (REC), (OIL), (PFC), (EIL) (BEL) ? Goldman Sachs India MF ( CPSE-ETF - )

    1) (RBI) 3 2014 (Inflation Expectations Survey) ? 35 ( RBI 16 5,000 : )

  • 2) (RBI) 2005 3 2014 ? 1 2015 ( RBI 22 2014 2005 2 2014 2005 )

    3) CIBIL ( ) Inc. (TII) ? ( 5% TII 27.5% ICICI 10% , , , , , , 5-5% )

    4) (RBI) (Rupee Drawing Arrangements RDAs) (trade related remittance limit) 2 5 13 2014 ? ( - )

    5) 28 2014 (EPFO) 1,000 ? 95 Employees Pension Scheme-95 (EPS-95)

    6) 4 2014 0.2% ? 1 (term deposit) 2 ( 8.2% 8.4% 3 , 5 5 (recurring deposit) 0.1% (PPF) 1 2014 )

    7) 1 2014 - (Blue-Chip PSU) ? HPCL ( HPCL (CMD) ) 8) 11 2014 (CMD) ? ( (PNB) (Executive Director) )

    9) (IOC) 10% 14 2014 5,340 ? (ONGC) (OIL) ONGC OIL 5-5% 220 10,434 . (EGoM) 28 2014 10% )

    10) (most industry-friendly state) (Deloitte Touche Tohmatsu) ? ( , : , , , , , . , , ,

  • 2013 )

    1) (CCEA) 24 2014 ? Federal Bank ( (paid-up capital) 74% 49% - (FIIs) 24% ?(NRIs) )

    2) (UBI) ? 1,000 ( - (NPAs) (CMD) (RBI) 10 )

    3) (BMB) 3 ? ( BMB- , BMB - BMB - BMB - 50,000 BMB - 5 BMB - )

    4) (ADB) ( ) ? ( , , (Central Administrative Tribunal) 64 )

    5) . 27 2014 ATM ? ( ATM ATN 2014-15 4,909 )

    6) (Major Ports) . . ( ) ?

    7) (ONGC Limited) (CMD) 26 2014 ? . ( ONGC (OVL) (MD) 28 2014 )

    8) (NSE) 26 2014 (Volatility Index) (NIFTY) ? VIX India VIX ( India VIX -

  • India VIX - 30 - India VIX - India VIX India VIX NIFTY - (negative coorelation) )

    9) 25 2014 (Bitcoin exchange) ? Mt. Mt. Gox ( 25 : Mt. Gox Mt. Gox MtGox )

    10) (CPSEs) (ETF) ? ( 10 (ONGC), (GAIL), (CIL), (IOC), (CCIL), (REC), (OIL), (PFC), (EIL) (BEL) CPSE ETF )

    1) . 17 2014 Vote-on-Account ( ) 2014 2013-14 (fiscal deficit) ? (GDP) 4.6% ( 4.8% 2012-13 GDP 4.8% 2G )

    2) 17 2014 2013-14 ? 4.5%

    3) 17 2014 9 2,600 ? 2009 ( . 31 2009 2012-13 1 2014 )

    4) 17 2014 2014-15 10% ? . 2,24,000

    5) 200 (Venture Capital Fund) 17 2014 ? IFCI

    6) 17 2014 (Service Tax) ?

    7) . 17 2014 (Vote-on-Account) ? Public Debt Management Agency

  • PDMA ( - 2011-12 , )

    8) (RBI) (Financial Sector Legislative Reforms Commission FSLRC) 2014 - ? . ( (Executive Director) : , )

    9) (UBI) (CMD) 20 2014 ? ( 2013 2015 - (NPAs) 2013-14 194% 2,902 8,545.5 )

    10) ( ) 13 2014 (e-IPO) ? (RTI) ( e-IPO ( ) (IPO) RTI - (https://www.epostoffice.gov.in) (www.indiapost.gov.in) RTI 22 2013 )

    11) SEBI 13 2014 (CEO) , (Succession) : ? (Good Business Practices) ( SEBI 13 (listing agreement) SEBI KYC (KYC Registration Agency KRA) KYC )

    1) (RBI) 12 2014 ATM (Payment Banks) ? (Financial Inclusion) ( - ATM (Payment System) )

  • 2) 10 2014 6 2014 ? UFBU ( 5- UFBU (IBA) 6 UFBU IBA )

    3) 2014 (RBI) - (White Label ATMs WLAs) ? ( , ( ), ( ) ( ) 2012 RBI , 2007 (Payment and Settlement Systems Act, 2007) 17 )

    4) 7 2014 2014 10- ? , , ,

    5) (PSU) (revival) (Cabinet Committee on Economic Affairs CCEA) 13 2014 ? ITI , ( 1948 , 1938 1950 (PSU) 2004-05 (Board of Industrial and Financial Restructuring BIFR) BIFR CCEA 4,156.79 )

    6) 6 2014 (FDI) ? Vodafone ( )

    7) (Indian Banks Association IBA) 2014 (Microsoft) 8 (Windows XP) IBA ? 34,000 ( 1,100 (opportunity losses) 330 2001 Windows 8 )

    8) (7th Central Pay Commission) ? , ( . 4 2014 ( ), (NIPFP ) ( ) , - 1 2016 2013 )

  • 9) (National Organisation of Bank Workers (NOBW)) (Banking Services Recruitment Board (BSRB)) NOBW BSRB - ? 2005 ( NOBW NOBW NOBW )

    10) 3 2014 (ADB) ? Teresa Kho ( (Hun Kim) )

    1) (India Post) 2014 - 3,000 ATM 1.35 - (micro-ATM) 5 2014 , ATM ? 2015 ( 1,000 ATM 18 3,000 ATM - (RBI) 6.05 SBI ICICI )

    2) (RBI) 28 2014 (third quarter monetary policy review) (Repo Rate) 0.25% ? 8% ( EMI (Reverse Repo Rate) 7% (MSR) 9% RBI (CRR) 4% )

    3) RBI 28 2014 (Macroeconomic and Monetary Developments Report) 2013-14 ( GDP growth rate) ? 5% (RBI : 5% RBI (2014-15) 5.5% 2013-14 4.6% )

    4) (National Innovation Council (NInC)) . (Ministry of Micro, Small and Medium Enterprises) 27 2014 ? India Inclusive Innovation Fund IIIF ( 500 20% , , , / )

    5) 2012-13 (GDP) 31 2014 ? 4.5% ( 5% 0.5%

  • , 4.5% 2002-03 4% )

    6) 30 2014 LPG 9 12 - , ? 97% ( 15 89.2% 9 9 12 97% )

    7) 4,000 29 2014 6 (PSUs) ? ( 19,000 7,500 (BHEL) 26% , (SECI) 23% , (SSL) 16%, (PGCIL) 16%, (SJVNL) 16% (REIL) 3% )

    8) (Mumbai Monorail) 2 2014 1 ? Mumbai Metropolitan Region Development Authority (MMRDA) ( 3,000 MMRDA 1,900 2 (Wadala-Chembur) , , , , , )

    9) - (Vakrangee Ltd.) 2014 ? (RBI) ATM (White Label ATM (WLA)) ( RBI 15,000 ATM ATM ATM - ATM ( ATM))

    10) 23 2014 (Diamond Jubilee) (MD) . (BSE) 75 - ? , ( 1939 )

  • 1) (BMB) (collateral) 1 / ? Credit Guarantee Fund Trust for Micro and Small Enterprises CGTMSE ( CGTMSE 80% 20,000 )

    2) (Foreign Portfolio Investment (FPI)) (Foreign Direct Investment (FDI)) 49% ? ( (FDI) (FII) - 2014 )

    3) (RBI) 2014 4% 2% / ? Urjit Patel, -

    4) (RBI) 2014 - ? . . PJ Naik ( . . (Chairman & CEO) , )

    5) 9000% (dividend) 2014 , ? Tamilnad Mercantile Bank TMB ( 2013 10 (face value) 900 TMB 2008-09 750 1,000 )

    6) 20 2014 (RBI) - (Deputy-Governor) ? ( - RBI - . . , . . - , , )

    7) 20 2014 ? Rail Tariff Authority ( , ,

  • , 1989 )

    8) 2014 , , . . . . . (ARC Ratings S.A.) - ? ( ) CARE ( ARC )

    9) 2013 7.7% ? 1999 ( 14 7.6% 1999 2010 10.4 586 - )

    10) 2013 ( ) ? (NSE), (World Federation of Exchanges (WFE) 2013 NSE 145 , 2012 3% NSE 51 NSE BSE BSE 4000 2012 3% 34.46 2013 (Shenzhen Stock Exchange SSE) 129 NYSE Euronext SSE 38% )

    1) . 12 2014 10,000 ? -7,000 ( 55,000 )

    2) 2014 (ATM) ? SBI ( SBI 7,843 3% 6% 30 2013 SBI 32,777 SBI )

    3) (EPFO) 13 2014 2013-14 8.75% 5 ? 8.5% (EPFO 13 EPFO 20,796.96 )

    4) (RBI) 2014 (Hong Kong and Macau) RBI 6

  • ? , , , , ( 6 RBI )

    5) 10 2014 11 (CPSEs) (ETF) 3,000 11 ? ONGC, (CIL), GAIL, , REC, (OIL), , , , (ETF , ETF )

    6) (SEBI) 10 2014 SEBI / 2013 SEBI ? ( ) , 2013 Securities Laws (Amendment) Second Ordinance, 2013 ( 2013 )

    7) 2014 ? Axis Bank ( China Banking Regulatory Commission (CBRC) , - , , , - )

    8) (AMC) (inflation-indexed fund) 2014 ? Deutsche Asset Management India DAMI ( 2014 - 16 27 2014 - (IIBs) 3.6% IIBs )

    9) (SEBI) . . 2014 2 16 2016 SEBI SEBI ? .. ( 1995 2002 SEBI . . (2002-2005), . (2005-2008) . . (2008-2011) )

    10) 12 7 9 2014 ? : Engaging Diaspora: Connecting Across Generations ( 9 9 )

    1) (Financial Inclusion) (RBI) 7 2014 RBI 18

  • ? 1 2016 ( 18 (Aadhaar) (UIAI) RBI KYC ( : ) )

    2) 1 2014 (Eurozone) ? Latvia ( 28- (EU) 9 2013 28- 17 , )

    3) (RBI) 31 2013 1 2014 RBI , RBI 2013 ? Clean Note Policy ( 2013 RBI : )

    4) (RBI) 23 2013 (Bitcoin) (virtual currency) , ? ( , (litecoins), (bbqcoins), (dogecoins), : )

    5) 2013 , (National Institute for Micro, Small and Medium Enterprises (NIMSME)) (National SME University) NIMSME ? ( 21 2013 )

    6) 20 2013 (LIC) (MD) ? ( 1956 LIC . . , . . )

    7) (RBI) 18 2013 ( ) (cash reseve ratio CRR) ? (25 bps) (RBI )

  • RBI

    - - 7.75% 4% - RBI - 8) IRDA 2013

    (LIC) 10 LIC IRDA LIC ? 29 (LIC 11.72 9.49 ) 9) 23 2013 (inflation indexed bonds) ? (Inflation Indexed National Savings Securities Cumulative)

    10) 20 2013 , , - ? . , ( ) ( 37% (60 .) )

    1) (National Stock Exchange NSE) 2013 ? 20 (NSE 1992 1993 NSE (electronic medium) 2013 989 1,635 )

    2) 2013 ( NABARD) ? Harsh Kumar Bhanwala ( 2013 (IIFCL) 5 )

    3) 10 , 2013 (Finance Secretary) ? ( 2013 . . (Expenditure Department) 1976 2014 )

    4) (PSU Banks) - - (Gross Non-performing Assets GPAs) 30 10 , 2013 30 2013 30 - (GNPAs) ? 35.5% ( GNPAs 30 38.8%

  • GNPAs 30 72,174 91,667 )

    5) (eKYC (electronic Know Your Customer) (NPCIL) 2013 ? HDFC ( eKYC HDFC (UIAI) )

    6) (UFBU) 2013 - ? - ( (IBA) ATM, ( ) / (RBI) (Financial Inclusion) -

    7) (FDI) - 17 2013 ? Tesco Plc., ( 11 - (Trent Hypermarket) - 14 2013 - 51% FDI )

    8) 3 , 2013 ? - ( 1,000 . 4,500 , , , , , , )

    9) ( ) 2013 (RBI) ? IOB (IOB 2014 (Deloitte) )

    10) 500 500 2013 (IOC) (RIL) ? Energy Sector ( 4,75,867 . 4,09,883 . (2,44,822 . ) (2,17,771 . ) (5 ), (6 ), (7 ), (8 ), (9 ) ( ) )

    ) (Standing Committee on Finance) ? ( -

  • : )

    2) (AIBEA) ( ) 25% - (non-performing assets NPAs) 50 ? ( . 2,673 . 2,660 ( . 2,211) (SBI ) - . 1,64,461 50 . 40,528 AIBEA (RBI) )

    3) (microfinance institutions MFIs) 3 , 2013 ? CIBIL (CIBIL CIBIL - - CIBIL , , - CIBIL 300 900 CIBIL )

    4) 1 , 2013 ? 1 (PIN) ( (RBI) 2013 (PoS) 30 2013 RBI )

    5) (LIC) 2013 , 34 ? ( IRDA - , 34 IRDA )

    6) 27 , 2013 (RBI) ? , ( RBI - (non-operating financial holding company (NOFHC)) RBI 2 )

  • 7) 4 , 2013 6 (Deutsche Bank), (Societe Generale), RBS RP JP Citigroup 1.7 ( 2.3 ) - ? ( 6 2008 - 2012 (Barclays) (LIBOR) , 72.5 )

    8) (RBI) 28 , 2013 - (NBFCs) ? 50% ( NBFC 50% )

    1) 2013 (Bank Employees Federation of India (BEFI)) RBI ? White-Label ATMs ( , BEFI (IndiCash) )

    2) (BMB) 19 , 2013 ? ( 7 , , , , , 4 25 75 1,000 )

    3) 19 , 2013 (BMB) ? ( (nationalisation) )

    4) (RBI) 2012-13 - (non-performing assets NPAs) / ?

    NPAs 2013 3.6% 3.1%

    NPAs 2013 1.7% 1.3%

    2013 - 1,94,000 NPAs 1,65,000 NPAs 21,000 7,900

    (SBI) 2013 5%

    2012-13 - (non-priorty areas)

  • 5) SEBI 18 , 2013 (mutual fund distributors) - (Self Regulatory Organisation (SRO)) ? Institute of Mutual Fund Intermediaries (IMFI), Organisation of Financial Distributors (OFD) Financial Planning Standards Board India (FPSB) ( SEBI 2012 SEBI 2013 SRO 31 2013 SRO )

    6) (RBI) 19 , 2013 (SGSY) - (self-help groups) ? 7% (RBI - 7% 3 SGSY )

    7) (SBI) 35% 2,375 3,658 ? (non-performing loans) ( 1,837 2,645 30% 64,206 )

    8) 18 , 2013 - (advance income-tax) (RBI) 6 ? , ICICI , , (PNB), (BoB)

    9) (RBI) 25 , 2013 - - ? , 200 ( 300 ( ) - , , , , )

    10) 14 , 2013 (Rapid Metro Service) 6 - ? (HUDA) IL&FS Rail Ltd. ( 6 )

    1) (BMB) (Chairperson and Managing Director) 12 , 2013 ? ( (PNB) (Executive Director) )

    2) 29 , 2013 RBI - SMS ? RBI SMS ( RBI SMS

  • RBI , 2011 - SMS )

    3) RBI 29 , 2013 ? ( RBI 2011 - )

    4) (RBI) 29 , 2013 (Repo Rate) 25 7.75% RBI ? ( (WPI) 6.46% (CPI) 9.84% RBI RBI )

    5) (RBI) 29 , 2013 (Marginal Standing Facility MSF) 25 8.75% MSF ? MSF : 100 (MSF )

    6) (RBI) 6 , 2013 RBI ? 74% ( 74% )

    7) (NSSO) 2009-10 26 , 2013 ? 2.8% ( 3.8 NSSO 2009 2010 - )

    8) (NSSO) 26 , 2013 2009-10 ? ( 13.2% 7.7% )

    9) (NSSO) 26 , 2013 2009-10 ? ( 0.1% 0.6% )

    10) (RIL) 21 (Forbes) 16 ? ( 50

  • 13.9 , 13.8 (12.5 ), (9 ), HCL (8.6 ), (8.3 ), (7.6 ) (6.6 ) )

    1) (SEBI) 28 , 2013 (CRISIL) (AMFI) : 5 ? 74% ( , 2013 8% 35 SEBI )

    2) (RBI) 2013 ? GIRO Advisory Group GAG ( . IIT , 2013 RBI )

    3) 20 14,000 ( Capital Infusion) 23 , 2013 (SBI) ? 2,000 ( SBI : (capital adequacy ratios) 14,000 10,000 )

    4) 2013 (Development Index) : ?

    5) - (NBFCs) - (MFIs) (CRISIL) 2013 mfR1 ? ( ), ( ), ( ) mfR1 ( ) - )

    6) (TARC Tax Administration Reforms Commission) 21 , 2013 ? 18 ( 6 )

  • 7) (RBI) 19 , 2013 RTGS RTGS , , RTGS ISO ? ISO 20022 ( RTGS - RTGS 2004 RTGS )

    8) 2013 31 , 2013 34,668 ATM 5,726 ATM ATM 31 , 2014 26 28,942 ATM 137 ATM 31 , 2014 ATM ? (Financial Inclusion) ( 2013-14 )

    9) , (Customs, Excise and Service Tax Appellate Tribunal (CESTAT)) 6 17 , 2013 , CESTAT CESTAT ? , ( CESTAT - , , - CESTAT 1982 )

    10) 2013 (Eugene Fama), (Lars Peter Hansen) (Robert Shiller) 14 , 2013 ? ( 1895 1968