1) (RBI) 18 2014 (Shadow Banking) 15- ? . , RBI : - (NBFCs) : RBI, SEBI, (Central Economic Intelligence Bureau) (NHB) .2) 15 2014 ? : (financial inclusion) 15 5 1 7.5 2018 (formal banking system) .3) (RBI) 22 2014 - (financial services provider) ( ) ? , , , , , .4) (RBI) 14 2014 - - ? (Chief Operating Officer COO): RBI - RBI RBI - .5) 2014 (RBI) - ? .. (S.S. Mundra): .. ( ) 31 2014 RBI - (BOB) (CMD) RBI - , .. . RBI - .. 2014 .6) 20 2014 436 ? (OBC): 256.5 180 .7) 20 2014 2.5 (Onshore Indian Rupee Bond Programme) ? (International Finance Corporation IFC) : IFC : IFC 5 2.5 - (rupee-denominated bonds) : .8) - 20 2014 ? (Digital India Project): 1 - - - (Ebiz) , -, , -, (NOFN) , - - , 2014-15 .9) 19 2014 ? (Intensive Household Survey): - 10 . 1 2014 : 19 , : 14 2014 .10) SEBI 22 2014 - (NBFC) 5.85 ? PACL: (PACL) - (NBFC) 2011-12 15 33.5 -

1) (RBI) 15 2014 ? (SBI): SBI 1.15 SBI ICICI 19.5 : (13.6 ), (4.3 ) HDFC (3.5 ) SBI : SBI .2) banking credit growth rate) 5 (RBI) 31 2014 , 5 ? 10.9%: 2009 - 2008 2004-05 22% 2012-13 2013-14 13-14% (GDP) 2.5 3 2013-14 4.7% 14% .3) PFRDA ( ) (National Pension System NPS) ? .. (SEBI LIC ): (Basel-III) - ( HDFC ), .. ( LIC), . . ( IRDA) ( PFRDA).4) 10 2014 - (Cardless Cash Withdrawal) ? ICICI : - ICICI ICICI ICICI - .5) 2014 - (contact-less debit cards) (RBI) ? (SBI): SBI - SBI RBI SBI 2,000 .6) 8 2014 - (first multi-currency international debit card) (MasterCard) ? : , , 12 .7) (SBI) ? (Employee Stock Option Scheme ESOS) : () ESOS ESOP SBI RBI (IDFC ) .8) (RBI) 9 2014 (MD) (CEO) 70 : ? 2013 (Companies Act, 2013) : 2013 , 21 70 RBI .9) (RBI) 2014 (UCBs) ? : (Economic Intelligence Council EIC) - .10) 2014 (FIIs) 15 , SEBI 16 2014 ? 1,97,715.9 : (FIIs) 85,247 (equity) 1,12,469 (debt) 2010 1,79,674.6 1) (RBI) 21 2014 KYC ? :RBI : 6 KYC KYC 2) 27 2014 6 (PSU Banks) (CMDs) 6 ? (Bank of Baroda), (Canara Bank), (Indian Overseas Bank), (Oriental Bank of Commerce), (United Bank) (Vijaya Bank): 2014 (Syndicate Bank) (CMD) .. , RBI , 6 8 (CMDs) 14 (Executive Directors) RBI 3) 24 2014 - (MOU) ? (Asian Infrastructure Investment Bank AIIB): (AIIB) 24 , 21 , 50% 2015 (WB) (ADB) - 4) (European Central Bank ECB) (Euro Zone) ? : - (Monte dei Paschi) 2.1 , ECB ECB 2014 5) 2014-15 30 2014 : - (non-plan expenditure) - ? 10%: (Expenditure Department) / - 10% , , , , (indirect tax collection) 25.8% 5.8% 6)29 2014 2014 (Nielsen Global Consumer Confidence Index) (most bullish consumer market in the world) ? : 126 13 5 2014 60 (Nielsen) (Global Consumer Confidence Index) 98 12 : (9 ) (8 ) : (125 ), (115 ), (113 ), (112 ) (111 ) 7) 2013-14 IDRBT ? (Federal Bank): , , IT 1 2014 RBI IDRBT 2001 : - 8) (Aditya Birla Financial Services Group) (health insurance) ? MMI : (Biral Sun Life Insurance) MMI MMI 26% 9) - (Alibaba) (Alipay) 16 2014 ? (Ant Financial Services Group): - - 10) (CBEC) ? : 1978- (IRS) 31 2014 .. CBEC (Indirect Taxes) -

1) 2014 (RBI) (cheque payments) ? (Clearing) SMS CTS 100% KYC .2) 6 ATM 1 2014 ATM : ? 3 : 5 ATM 1 6 3 6 , , , , 6 ATM - (BSBDA) , ATM .3) (Kingfisher Airlines KFA) (wilful defaulter) ? (UCO Bank): 17 6,500 SBI 300 (United Bank of India) RBI .4) 31 2014 (stimulus) ? (Japan): (BOJ) (REIT) (ETF) - (Federal Reserve) 29 2014 .5) (National Statistical Commission NSC) 2014 2015 (GDP) - (Base Year) ? 2011-12: 2004-05 : 1948-49 .6) (WEF) 5 2014 17 (Global Growth Company GGC) 17 ? RBL ( (Ratnakar Bank Limited) ): RBL / WEF - (micro finance) (Bandhan Financial Services) , RBI , (MakeMyTrip), (JustDial), (FlipKart), (InterGlobe Enterprises), (Radikal Foods), 4G (4G Identity Solutions) (Transasia Bio-Medicals).7)3 2014 (Financial Services Secretary) ? (Hasmukh Adhia): .. (G.S. Sandhu) (National Authority for Chemical Weapon Convention NACWC) 1981 IAS 2015-16 , , , .8)31 2014 (Secretary Economic Affairs) ? (Rajiv Mehrishi): 30 (Ministry of Minority Affairs) 16 (Chief Economic Advisor) .9) 2014 (NIPFP) ? (Vijay Kelkar): 13 (13thFinance Commission) . NIPFP .10) 8 2014 ? , (SBI) : (Arundhati Bhattacharya) SBI SBI - (NPAs) ICICI (Axis Bank) 1) 14 2014 (PMJDY) 2 3 100% (Financial Inclusion) ? () , ( ):100% 5 2014 11.26 , 77,485, 1.36 , 69,819 3,588 , 100% 2) - (small savings) (KVP) 18 2014 : (Shyamala Gopinath Committee) 2011 ? 1 1988 : 1988 2011 RBI (transferable saving instrument) 2011 : - 3) (Kotak Mahindra Bank) 20 2014 (merger) ? (ING Vysya Bank): (BSE) 5 750 10 1,000 2010 2010 (Bank of Rajasthan) ICICI 2002 (Vysya Bank) ING 4) (RBI) 20 2014 (minimum balance) RBI ? 1 2015 :RBI 5) (RBI) 11 2014 (Shadow Banking) (minimum capital requirement) 2016 1 2017 2 - ? . 25 : RBI - (deposits) 2016 RBI 1.5 - (NBFCs) 6) (BMB) 19 2014 ? (BMBSmartBanking): 19 2014 (Usha Ananthasubramanian) 33 (CBS) ATM 7) (SEBI) 19 2014 (Insider Trading) ? , (sensitive information) - : 2013 8) (FDI) , (FDI Policy for Indian Railways) ? 17: 9) 10 2014 (Civil Aviation Policy) (Draft) (listing) ? (Airports Authority of India AAI) (PHHL): - 2015 (Air India) , 6 (hub) , - (PPP) , , , 10) 15 2014 (domestic LPG) (modified Direct Benefit Transfer of LPG DBTL) ? 54 : 568 12 1 2015 48,000 15% 1 2013 (modified) 1) (RBI) 27 2014 (Small Banks) (Payments Banks) (final guidelines) RBI ? . 100 : - : 2) (RBI) - (5th Bi-monthly Monetary Policy review) 2 2014 RBI ? (GDP growth rate) 5.5% (CPI) March 2015 6% 8% () (CRR) 4% () (SLR) 22% ()3) (RBI) 2 2014 (Repo Rate) 8% ? 2014 : RBI 2014 7.75% 8% 4) 25 2014 (RBI) (general insurance) ? (Kotak Mahindra Bank): 100% (subsidiary) 100 (Mahesh Balasubramanium) (CEO) 5 0.5% 15% 2020 77,000 1.80 (ING Vysya Bank) 5) (NSE) BSE () (Face Value) 10 2 ? ICICI :ICICI 4 2014 10 5 - 6) (RBI) 2014 - ? - - :RBI - (liquidity) RBI - 10 7) (RBI) 80:20 (80:20 scheme) 28 2014 20% RBI ? 2013 :80:20 2013 (Trade Deficit) RBI 2014 280.4% - RBI 2014 13.36 2014 14.2 18- 80:20 20% (1/5 ) 8) (BSE) 28 2014 (market capitalization) ? 100 : (BSE) ( ) 28 2014 100 ( 1 ) BSE 5,500 100 70% BSE 1.7 (NYSE) 9) (World Trade Organization -WTO) 27 2014 ? - : (Bilateral Trade) - 160 27 - , 10) SEBI 29 2014 IPO (initial public offering) SBI, ICICI, , IDBI, DSP (DSP Merrill Lynch) (Edelweiss) 2012 IPO ? (CARE): IPO 2012 IPO 72 6 SBI, ICICI, , IDBI, DSP Edelweiss SEBI 6 1

1) 2010 : ? : 5 2014 (RBI) 2010 2) (RBI) (White Label ATM WLA) 5 2014 ? :RBI // 2007 (PPS Act 2007) (sponsor bank) 3) ( economic index) HSBC (PMI) HSBC PMI ? (SBI): (SBI Composite Index) 2015 (indices) - SBI 2007 2014 72% , , , , , , (thematic indices) , , , , , 4) 2014 (WPI) ? 2009 : : % 2009 0.3% 2014 , 5) .. (Justice M.B. Shah) (SIT) ? 1 (PAN) (Aadhaar) : 1 , , (Central KYC Database) /- , . 10 15 6) 9 2014 () (Payments and Settlement Systems (Amendment) Bill) ? : (Payments) (Settlement) , 2007 (Payment and Settlement Systems Act, 2007) (trade repository) 7) (PDS) (Kerosene) ? : ( ) - 100% - - 2011 : 2% LPG 8) 5 2014 (Disinvestment) 5% 27.5 ? (SAIL): SAIL SAIL 80% 20.65 SAIL 83 2015 9.5 9) 3 2014 (Tax Laws) ? Ashok Lahiri( ): (2014-15) (Sidhartha Pradhan) (Gautam Ray)10) 2014 (-) (FDI) ? (-) - :3 2014 (FIPB) 2014 (-) FDI 1) 31 2014 ? (CMD) : - (Chairman) (MD) (CEO) SBI SBI ( ) 4 -

2) : , 2015 (Printing of One Rupee Currency Notes Rules, 2015 1 2015 ? 1994 : 1994 2 1995 5 1995 1 1 (RBI) 1 (Finance Secretary) RBI

3) (RBI) 23 2014 2005 500 1000 2005 ? 30 2015: RBI 2005 2014 1 2015 RBI 6 RBI RBI 2005 2005

4) 2014 (health insurance) IRDA ? 17%:IRDA 2014 21.62 17% (World Bank) 2012 Government-Sponsored Health Insurance in India: Are You Covered? 2010 30 25% 30 18 2007 2012

5) 2014-15 (Mid-Year Economic Review) 19 2014 ? 5.5%: (Chief Economic Advisor) (Arvind Subramanian) (fiscal deficit) (GDP) 4.1%

6) (RBI) - .. 19 2014 - (two-step authentication) ? . 3,000:RBI - - - -

7) (RBI) 18 2014 (ICICI Bank) (BOB) ? KYC :RBI ICICI 50 25 KYC (Know your Customer) RBI (SBI) , (Axis Bank) (SBP) RBI / /

8) (Reliance Capital) ? (Sumitomo Mitsui Trust Bank): 2.77% ( 2014 )

9) (GST) 15 2014 ? GST : GST (Entry Tax) GST 2016 GST 15 2014 , , , , , GST GST GST : 50%

10)14 (14thFinance Commission) 15 2014 (RBI) .. (Y.V.Reddy) ? 1 2015 31 2020:14 2 2013 31 31 2014 1 2015 31 2020 (GST) - (PSU)

1) 2015 ? , : 2 3 2015 (RBI) 12.9% 4.4%

2) (Kotak Mahindra Bank) (ING Vysya Bank) 1 2015 : 1,214 ICICI , HDFC (Yes Bank) (RBI) (Competition Commission of India CCI) 7 8 2015

3) 26 2015 (PMJDY) 10 26 2014 ? 10 8 : 26 2014 10 8 22 7.28 (RuPay) /

4) 65- (Planning Commission) 1 2015 (NITI Aayog) ? (National Institution for Transforming India): 29 7 , (NITI)

5) (Policy Commission) 5 2015 ? (Arvind Panagariya): (Columbia University) - (Bibek Debroy) .. (V.K. Saraswat) 65- 1 2015

6) - (RBI) ? .. (P.J. Nayak):.. (CEO) 2014

7) - (Panch Deep) 1,900 4 2015 ? (ESIC) ESIC - : (ERP Enterprise wide Resource Planning)

8) (SEBI) ? 50 () (schemes) :, (SEBI) -- (case-to-case) 2014 10 50 19 50

9) 51% 29 2014 ? (IFCI): (Industrial Finance Corporation of India) 1 1948 IFCI 60 - , (preference share) IFCI

10) (SEBI) ( ) 5 2015 ? , - , , - : (willful defaulters) (stressed or doubtful loans) 12.9% 4.4% 1) (RBI) (Repo Rate) 0.25% 15 2015 , ? 7.75%: RBI , RBI RBI (Inflation) 0.25%

2) (RBI) 15 2015 ? RBI - : (Bancassurance) IRDA RBI

3) 11 2015 (PMJDY) (Financial Inclusion) ? 3 : 7 2015 13 (PMJDY) 30.47 8.62 20% (RRBs) 1.92 28 2014 26 2015 10

4) 7 2015 - (contactless debit and credit card) ? ICICI : - (near-field communication technology) ICICI , 1,200

5) 16 2015 (SC) 200 (Venture Capital Fund VCF) (sponsor) , (settler) AMC ? IFCI:IFCI (AMC) IFCI VCF 50 5 45 (entrepreneurs) 15 6 16.6%

6) (SEBI) 8 2015 - (e-IPO) (bid) - (listed) ? 2 3 :- 12 - (fast-track route) --- (FPOs) - 250 (market valuation) 3,000 - 30 2015

7) IRDA ( ) (Actuary) : ( ()) ? : IRDA () 2011 . (R. Kannan) IRDA (risk) (uncertainty) (financial impact)

8) IRDA (health insurance premium) 62% ? , , :IRDA 2013-14 (Annual Report) 2015 62% 32 38% - 2013-14 118 0.6% 46% (group insurance policy) ,

9) (Central Banking) 2015 (Governor of the Year) 13 2015 ? , : RBI (Euromoney) 2014 (inflation)

10)- 2015 ? (Gulf International Bank GIB): 97 - 30 - (Meem) ()

1) 20 2015 (Guinness Book of World Record) ? (PMJDY): 5 11.5 28 2014 26 2015 7.5 17 2015 11.5 20 2015

2)20 2015 (Sukanya Samriddhi Account SSA) (2014) 22 2015 ? 9.1% : 9.1% (2014-15) 22 2015 (Sukanya Samriddhi Account) - - 10 10 1.5 80C

3) (RBI) 22 2015 ? : RBI - - (compare) (hidden charges)

4) (ECB) : - ? 1 (1 trillion) : (sovereign debt) 2015 2016 60 ( 68 )

5) (Bloomberg) 17 2015 50 ? HDFC :HDFC , , 45 (market capitalization) 39 (SBI) 46 38 ICICI 53 100 (ICBC) 285 , HDFC 7 (Wells Fargo) 263 10 BoC (212 ), CCB (208.1 ) ABC (202 ) (JP Morgan Chase) 205

6) - (Society for Worldwide Interbank Financial Telecommunication SWIFT) 28 2015 - ? (Chinese Yuan):SWIFT 2014 (global payments) 2.17% 2014 1.59% 44.6% : (28.3%), (7.92%) (2.69%) 2014 20.3% 14.9%

7) (RBI) 19 2015 (Additional guidelines on Interest Rates on Advances) (Base Rate) ? - (methodology) ( ) (borrowers) ( spread ) (risk profile) ( ): RBI (Base Rate System) 1 2010

8) (SEBI) ( ) 5 2015 ? , - , , - : (willful defaulters) (stressed or doubtful loans) 12.9% 4.4%

9) - (NPAs non performing assets) (Andhra Bank) ? : 2 3 2015 ( ) - - 200 300

10) 2014 (quarter ended Dec 2014) (net profit) (RIL) ? (TCS): 2014 TCS 5,327.60 5,256 TCS 23 2014 93,500 TCS 21,300 TCS 1) (RBI) 3 2015 - (6thBi-monthly Monetary Review) (Repo Rate) 7.75% ? (Statutory Liquidity Ratio SLR): RBI (SLR) 22% 50 21.5% 7 2015 RBI - 7.75% (reverse repo rate) 6.75% (MSL) 8.75% (Cash Reserve Ratio CRR) 4% (SLR) 50 21.5% 2016 6% 2014-15 5.5% ( ) 2015-16 6.5% ( ) 2,50,000

2)3 2015 - RBI 2,50,000 ? 1,25,000 : RBI (Liberalised Remittance Scheme LRS) 2013 75,000 2014 1,25,000 ,

3) (RBI) ( Payments Banks) 2 2015 / ? (RIL), , , UAE , , , IIFL, PayTM (Oxigen): 2014-15 - (Pre-paid Payment Instrument PPI) 10

4) (payments bank) (RIL) ? (SBI): (RIL) SBI 30% SBI SBI

5) (RBI) (Urban Cooperative Banks UCBs) , , - 30 2015 ? . , -: (Y.H. Malegam Committee) , ,

6) (CIL) 10% 30 2015 (disinvest) 22,600 15,000 ? 2010 : 30 31.58 , 5% 5% 10% 358 22,600 (SAIL) 1,715 2012-13 23,956

7) 30 2015 2013-14 (GDP) 4.7% 6.9% 2012-13 4.5% 5.1% ? : LED 2004-05 2011-12 :

8) (India Ratings) 28 2015 (Base Year) 2014-15 117 (CPI) ? 2011-12: 2004-05 2015 2011-12 2015 2015 2014-15 6% 111.7 ( 1.8 )

9)MMP Mobi Wallet Payment Systems Limited (MMPL), 28 2015 - (PAY Smart Card) , ? RBL ( ): (mRUPEE) (Visa) / ATM 200 1 mRUPEE (Wallet Gateway Service) RBL ( 13 130 350

10) - (IndusInd Bank) 29 2015 (EPL) - ? (Chelsea Football Club): - , , , 1) 7 2015 (PSU banks) 6,990 (capital infusion) 11,200 (capialization) 2014-15 ? (SBI): 2,970 : (. 1,260 ) (. 870 ) , (Return on Assets ROA) (weighted average) (Return on Equity) ( ) (SBI) 2,970 (BOB) 1,260 (PNB) 870 570 460 320 280 140 120

2) (RBI) 3 2015 (small banks) ? Usha Thorat, RBI -: 2 RBI 72 IIFL , , ESAF , - - RBI

3) (RBI) 3 2015 ( -payments banks) ? . Dr. Nachiket Mor, RBI : 2 2015 RBI 41 (RIL), , , UAE , IIFL, PayTM (Oxigen)

4) (RBI) 2 2015 ( ) (Find) - ? , , : RBI (unclaimed accounts) RBI 31 2013

5) 11 2015 (PMJDY) 28 2014 12.7 ? 2001 2011 : 5 12.7 21 2001 36% 2011 59% 23,000 4 2015 35%

6)5 2015 9,880 - (secondary market) ? HDFC :HDFC 5 (QIFs) (ADRs) HDFC (market capitalization)

7) 10 2015 (Pockets) - , , ? ICICI : , ICICI , - (e-Wallet) (app) (Google Playstore) (Visa) ICICI

8) (SBI) 2014-15 (- 2014) 13 2015 2,910 ? SBI : SBI 30% - (non-performing assets NPAs) NPAs 5.73% 4.90% NPAs 3.24% 2.80% SBI 25% SBI

9) 9 2015 ( GDP) 2014-15 ? 7.4%: (RBI) 5.5% 2014 7.5% 7.3% : (value addition) (indirect taxes) (GDP at factor cost) (GDP at market cost) (base year) 2004-05 2011-12

10) (UNCTAD) (FDI) 2014 ? : (UNCTAD) 29 2015 2014 ( FDI) 128 86 FDI 111 FDI 2003 FDI UNCTAD FDI 10 (128 ) , (111 ), (86 ), (81 ), (62 ), (61 ), (53 ), (49 ), (42 ) (36 )1) (FDI) 49% 20 2015 , , ? ( ) 2015: ( ) 2015 (Indian Insurance Companies (Foreign Investment) Rules 2015) 26% (FIPB) 49% , , (assessors) IRDA Act 1999 (intermediaries) () , 2014 (Insurance Laws (Amendment) Ordinance, 2014) 2014

2) (SBI) ? (Tech Learning Centres TLCs): 2014 385 10 SBI SBI 2015 TLCs : , ,

3) (RBI) 18 2015 ? 2013 : RBI (intermediary) , , 2014 80-20 RBI RBI

4)19 2015 ? : 2015-16

5) (NPCI) 18 2015 ? (UPI):NPCI (UPI) (identifier) , UPI

6) 16 2015 (renewable energy) 500 ? (Yes Bank): (Green Infrastructure Bond) , , 500 10 2014 35

7) (SBI) (renewable energy) 15 2015 - 2015 ? 75,000 : 5 75,000 15,000 SBI 1.78 7,500

8) (RBI) 13 2015 ? 1994:RBI 2011 (Coinage Act, 2011) RBI - : : RBI RBI

9) 2015 , - ? ( 2013): 2013 , - ( 1956) IDBI (BMB)

10) (Euro zone) (Greece) 20 2015 ? 4 : 20 2015 (Brussels) 2015 2010 (Bail-out package)

1) (SBI) ? (Tech Learning Centres TLCs): 2014 385 10 SBI SBI 2015 TLCs : , ,

2) (IBA) 23 2015 25 4 ? 15% : 10 (IBA) 25 (UFBU) - 4- 1 2012 IBA 3 2015 IBA 13%

3) (SBI) : (Bad Loans) SBI ? (Olacabs): App SBI SBI , : SBI - (pre-paid wallet) : Credit Guarantee Fund Trust for Micro and Small Enterprises 85%

4) (RBI) 18 2015 ? 2013 : RBI (intermediary) , , 2014 80-20 RBI RBI

5) (NPCI) 18 2015 ? (UPI):NPCI (UPI) (identifier) , UPI

6) 16 2015 (renewable energy) 500 ? (Yes Bank): (Green Infrastructure Bond) , , 500 10 2014 35

7) (SBI) (renewable energy) 15 2015 - 2015 ? 75,000 : 5 75,000 15,000 SBI 1.78 7,500

8) (RBI) 13 2015 ? 1994:RBI 2011 (Coinage Act, 2011) RBI - : : RBI RBI

9) (FDI) 49% 20 2015 , , ? ( ) 2015: ( ) 2015 (Indian Insurance Companies (Foreign Investment) Rules 2015) 26% (FIPB) 49% , , (assessors) IRDA Act 1999 (intermediaries) () , 2014 (Insurance Laws (Amendment) Ordinance, 2014) 2014

10) 2015 , - ? ( 2013): 2013 , - ( 1956) IDBI (BMB)

1)2 2015 2015 (RBI) ? 2016 6% : RBI 2014 2015-16 (consumer inflation) 6% 2016-17 2% RBI : :

2) (RBI) 4 2015 (Repo Rate) 25 RBI ? 7.5%: 7.75% RBI 15 2015 25 RBI - RBI - 7.5% (Reverse Repo Rate) : 6.5%

3)24 2015 14 (14thFinance Commission) (domestic financial institutions DFIs) ? :14 ( ) (Financial Sector Public Enterprises Committee FSPEC) - (Basel-III) 2.84 27 21 6

4) (Moodys) 3 2015 ? (IOB): - (local and foreign-currency deposits) BA1 BAA3 (unsecured debt) BA1 BAA3 BAA3 :

5) ? (RBS): (RBS) - 2014 RBS RBS : RBS 1200 1500

6)28 2015 (FMC) SEBI ? : 50 28 FMC (SEBI) SEBI SEBI ,

7) 24 2015 14 (14thFinance Commission) (Central Taxes) ? 10%: 2014-15 32% , 14 10% 42% 3.48 5.26 , 1.78 RBI .. 14 15 2014 1 2015

8) 27 2014-15 (Economic Survey) 2015-16 ? 8.1 8.5% :8%

9) SEBI (individual investment advisers) - SEBI ? (Research Analysts): (2014 ) SEBI SEBI , (CS), (CAs) (CWAs)

10)5 2015 (Indian mutual fund industry) 2015 ? . 12 : (assets under management AUM) 2014 10.50 2015 11.81 2015 12.02 12 46% 2014

1) (RBI) 2014 - (NPA) ? 2,60,531 :RBI 2014 - (non-performing assets- NPAs) 2,60,531 30 (default) 95,122 - - (36.5%) 10 2,897 1,60,164

2) 11 2015 1.5 , ? (LIC): LIC 1,50,000 (2015-16) : LIC (IRFC) 30 2015-16 1,00,011

3) 11 2015 (Sick PSUs) 31 2014 65 ? (MTNL): (Air India) MTNL (accumulated losses) (average networth) 50% , 5 HMT HMT

4) (SBI) 8 2015 ? (SBT): 16 2015 - (base rate) 10 10.15% RBI SBI

5) (RBI) 13 2015 ( -) ? : 2015 1.5%

6) 10 2015 2013 (Insurance Penetration) ? 3.9%: 2013 3.9% 6.3% (insurance premium) (GDP) 2013 3.1% 0.8% , (BRICS) 15.4%, 4%, 3% 1.3%

7) () 2015 (Insurance Laws (Amendment) Bill, 2015) 12 2015 ? 2008 : UPA 2008 26% 49% (Insurance Ordinance) : :

8) (assets) ? (RIL): 2014 3.68 (assets) (2.52 ) HDFC Bank (2.25 ) : (4), (5), (6), (7), ... (8), (9) (10)

9) - (Pan Card) 2015-16 ? 1 : 28 2015 1 (All India Gems and Jewellery Trade Federation AIGJTF) 70% -

10) 2015 1 (Assets Under Management AUM) ? ICICI : 2000 ICICI 14 1 (AUM) 1)SEBI 22 2015 - (non-performing assets NPAs) ? (distressed loans) () :SEBI 22 - (market pricing formula) SEBI 51% 2014 - 5.64% 2004-05 NPA 2004-05 5.73%

2) (RBI) 30 2015 (Bad Loans) 50% RBI ? 33% : RBI (Mandatory Provisions) 2010 2014 RBI 31 2013 33% RBI

3) 23 2015 (RuPay pre-paid debit card service) IRCTC (National Payment Corporation of India NPCI) ? (UBI): IRCTC : (physical) (virtual) (Partial KYC) (Full KYC) 10,000 50,000 IRCTC 5 10

4) (GST) - 25 2015 ? .. ( ):GST - (Empowered Committee of State Finance Ministers on GST) - - .. 25 : .. (M) GST GST (Indirect Taxes) GST 2016

5)26 2015 ? (NTPC Limited): 26 2015 7725.76 74.96% 2060.75 (dividend distribution tax) NTPC NTPC 10 12.50 NTPC 10306.83

6)SEBI 22 2015 (International Financial Services Centres IFSCs) ? - (GIFT City): - (GIFT City) SEBI 100 25 3 100 300 50

7) (SEBI) 22 2015 (Guidelines) - ? : 22 (Municipal Bonds or Muni Bonds) SEBI - (Issue and Listing of Debt Securities by Municipality) 2014 30 2015 500

8) 18 2015 200 ? (SIDBI): , (MSME Ministry) 60 SIDBI

9) 2015 500 (perishable farm commodities) ? (Price Stabilization Fund): ( PSF) - 28 2015 -

10) (Mobile Spectrum) 25 2015 19- - ? 109,874 : 26 2015 109,874 2010 106,200 34 183 1) India Post ( ) 1 2015 135- (Money-Order service) , ? (eMO) (iMO): 1885 : -: (eMO) (iMO) 2008 21 (iMO) (ID)

2) 2015-16 (Disinvestment) 8 2015 ? (Rural Electrification Corporation REC): 9 2015 (REC) 5% 2015-16 REC 315 . 1550 2015-16 41,000 , 2015-16 (BHEL), , (NALCO), (NMDC)

3) (RBI) 7 2015 2015-16 - (First Bi-monthly Monetary Policy Review) RBI 2015-16 ? 7.8%: RBI 2014-15 7.5% 2015-16 RBI (Repo Rate) RBI - : 7.5% ( CRR) 4% (SLR) 21.5% (CPI) 2016 5.8%

4) 2014 (KVP) ? : (KVP) 2014 : 2015 1,100 2010-11 21,631.16

5) (RBI) 1 2015 ? :RBI 31 2015 (ING Vysya Bank) (Kotak Mahindra Bank) 2014 15,000 2015 (Competition Commission of India CCI) RBI ICICI , HDFC 1,214

6) (SBI) 31 2015 (SBI Life) 10% ? : (BNP Paribas Cardif) 26% 74% 2015 () 2015 (Insurance Laws (Amendment) Bill, 2015) 26% 49%

7) 1 2015 , - (Non-official Directors NoDs) - ? 67 :- - 67 20 (http://financialservices.gov.in/nod)

8) 31 2015 31 2014 (External Debt) ? 462 : 2014 31 2014 3.5% (GDP) 2014 23.2% 2014 23.7% , 2014 6.7% 85.6 - 6.1% 376.4

9) 31 2015 2014-15 (Foreign Institutional Investors FIIs) , ? 2.7 : (CDSL) 2 2015 2014-15 (FIIs) . 2.73 1992 (Net Foreign Fund Inflow) . 1.09 (Equity Market) . 1.64 (Debt Market) FIIs . 1.68 2012-13

10) (IT Department) 31 2015 ? - : 31 - : 1) (micro) (small) (MUDRA Bank) 8 2015 (MUDRA) ? (MUDRA): (Micro-Finance Institutions MFIs) (Regulator) (Pradhan Mantri MUDRA Yojana PMMY) 20,000 3,000 (SIDBI)

2) (RBI) 17 2015 (Term Deposits) ? - - : RBI (premature withdrawal facility) - RBI 2015 (Term Deposits with Differential Interest Rates) RBI RBI 15

3) 7 2015 (PSU) ? (IFCI Limited):IFCI (Industrial Finance Corporation of India) 1 1948 IFCI 47.93% IFCI 6 51.04% , 2013 2(45) IFCI 7 2015 IFCI (PSU) IFCI :

4) (SIDBI) 2015 ? 25 :SIDBI (Small Industries Development Bank of India) , (micro, small and medium-scale enterprises MSME) 2 1990 (IDBI) - 33% SIDBI 100

5) 2015 ? (HDFC Bank): HDFC 2015 4,906.86 ( 2014) 2015 - - 2015 (ICICI Bank) 2,224.97 (SBI) 1,586.4 HDFC , - ,

6) (World Bank) 14 2015 (Remittances) 2014 ? 70 : (Remittances) 2014 5 , , , 2014 583 70 64 28 2014 , , ,

7) (IFSC) ( - GIFT City) 10 2015 ? : (Gujarat International Finance Tech-City GIFT City) - (International Financial Services Centre IFSC) (Finance Special Economic Zone FSEZ) , , , , , , , , , , , , , , -, (Central Business District CBD) , , , (IFSC) -

8) (IRDA) (Draft Guidelines) (Common Service Centres CSCs) ? . 2 : (CSC) : - 1.50 IRDA 2013 IRDA CSC 2 CSC

9) 2000 (NASDAQ) (Listed) (Indian private company) 8 2015 ? D2H: D2H (Videocon Group) -- (DTH) 325 (American Depository Receipts ADRs) NASDAQ D2H 2000 NASDAQ NASDAQ 1.15 NASDAQ

10) (FreeCharge) 8 2015 ? (Snapdeal): (Snapdeal) : - (m-Commerce) , DTH, 4 1) (RBI) 7 2015 (loan frauds) ? : (Red Flagged Account RFA) RFA - , (early warning signals EWS) - :

2) 20 2015 (National Payments Corporation of India NPCI) (Rupay Platinum Debit Card) ? (IDBI Bank): (RBI)

3)ICICI 20 2015 -- (Tap-n-Pay) ? (Tech Mahindra):ICICI -- - (NFC) - - , - ICICI

4) (World Bank) 2014 (inactive) ? 43%: 2014 (World Bank Global Findex) 2014 43% 23 , - (Cashless transactions) 2014 (PMJDY)

5) 21 2015 2015-16 (Provident Fund) ? 8.7%: , 1 2015 8.7% 2014-15 8.7% (KVP) 2015-16 9.2% 9.3% , 10 , 9.1% 9.2%

6) (Central Board of Direct Taxes CBDT) 17 2015 18 2015 ? , , : (ITR-1 ITR-2) 2015 2015-16 31 , :

7) 17 2015 2014-15 (Trade Deficit) ? 137 : 2014-15 (Annual Trade Deficit) 2013-14 1.2 137 2013-14 135.8 2014-15 1.2% 310.5 0.6% 447.6 2015 4 11.79 2014

8) 1 2015 ? -29 (INC-29): 1 2015 INC-29 -

9) (SEBI) 2015 (Mutual Fund) (equity) 7,618 ? 2008: 2015 7,618 2008 2008 7703 2014 2,698 (debt segment) 28,650 2015 , 2014-15 40,000

10) (investor) 2015 (Warren Buffett) (Berkshire Hathaway) ? : (Parag Parikh) (PPFAS) (Omaha) 1) (BRICS) (Shanghai) (New Development Bank) (President) 11 2015 ? .. (K.V. Kamath):67- .. 2009 (ICICI Bank) (CEO) (MD) ICICI - (non-executive chairman) 5 , , , 100 2014 (NDB) (Shanghai) (:) NDB 5 .. 5

2) (Credit Cards) 2014 2010 - ? 2 : (RBI) 2014 20.29 ( 2.03) 2 2010 2010 - , - - - 2011 - 8,532.6 2014 17,437.1

3) (Corporation Bank) 2013 RBI ? : (Rupee Co-operative Bank Limited) () 36 652 2013 (bad debts) (RBI) - RBI (Administrator) : (liquidation) RBI

4) (Federal Bank) 18 2015 (credit card segment) ? (SBI): (SBI) 1.5 (Platinum) (Gold N More), (Visa) - (Kochi) 2014 1200 1400

5) 2015 (National Payments Corporation of India NPCI) - - (inter-bank ATM transactions) (Switching Fee) 50 ? 45 -: NPCI - - - 50 45 - 2011 1 - 2011 50 NPCI - 27 - 20 (transaction fee) NPCI - 45 -

6) 19 2015 (Gold Monetisation Scheme) (Draft) 20,000 : ? : (Gold Monetisation Scheme) 2015-16 30 , , - 1999 10

7) 17 2015 2014-15 Fiscal Deficit () ? 4% (4% of the GDP): 17 2015 2014-15 (Fiscal Deficit) 4.1% 4% 2014-15 (Revenue Deficit) 2.8% 2.9% 2013-14 3.2% 2015-16 3.9% (Fiscal Deficit) (Revenue Deficit)

8) 13 2015 () , 2014 (Companies (Amendment) Bill, 2014) 2013 (Companies Act, 2013) ? : () , 2014 (2014) 2013 16 16 , , , , ,

9)15 2015 (Indian capital markets) (Insider Trading) (SEBI) ? 1992 : 1992 SEBI (Insider Trading Rules) SEBI 2015 ( , 2015 Prohibition of Insider Trading Regulations, 2015) 15 2015 : (sensitive information) / : ,

10) 13 2015 (Ratings) Underweight () ? (HSBC):HSBC 13 26 2014 HSBC , HSBC HSBC (MAT) , GST 1) (SBI) 21 2015 (international digital payments) ? (Paypal): (Paypal) 203 - 1.15 - (SBI) 21 - (MSEs) - SBI -, - , SBI

2) (ICICI bank) 25 2015 ? (Voice Password Service):ICICI (phone banking) - , , , , , , , ICICI - , ,

3) (US Department of Justice) (foreign exchange markets) 5.7 - 20 2015 ? (Barclays), (RBS), (UBS), (Citigroup) (JP Morgan):5.7 - (Loretta Lynch) 5 (cartel) 2007 2013 5 2014 2.6 UBS

4) 31 2015 (ATM) - SMS ? : (HDFC Bank) (Green Pin) ATM - ATM 2015 11,700 ATM ATM - - HDFC 10

5) 55 (Deflation) 19 2015 ? (Britain): (Office for National Statistics ONS) 19 (consumer prices index CPI) 2015 0.1% 1996 ONS 1960 0% (real value of money) ,

6) (IBA) 25 2015 10 ? 15%: (IBA) 15% 1 2012 Rs.14,50052,000 Rs.23,700Rs.85,000 - Rs.7,200Rs.19,300 Rs.11,765Rs.31,540 Rs. 5,850Rs.11,350 Rs.9,560Rs.18,545

7) (SBI) 20 2015 - (MoU) ? (Amazon): (SBI) SBI 20 - (Amazon) Amazon (SMEs) SBI - (Snapdeal)

8) (SBI) 2015 23% 22 2015 ? 3742 : 2015 2014 23% 3041 SBI (Gross NPAs) 4.25% 2014 4.9% SBI (deposits) (loans) -

9) - (Public-Private-Partnership PPP) (Committee) 26 2015 ? (Vijay Kelkar): (Vijay Kelkar) - (PPP) - - - 900

10) 18 2015 (investment product) (Liquid Fund) ? (BSE): BSE 18 2015 (Overnight Liquid Fund) BSE (BSE StAR MF) (non-demat mode)

1) (RBI) 2 2015 (Bi-Monthly Monetary Policy Review) (Repo Rate) 25 ? 7.25%:RBI (Raghuram Rajan) 7.50% 25 7.25% RBI 25 RBI - (Short Term Loan) , 29 2015 2015 (7.5%) (bank lending rate) RBI

2) (Mutual Fund) (AMFI) 2014-15 ? HDFC : (AMFI) HDFC 2014-15 416 (Profit after Tax PAT) 357 (Reliance Mutual Fund) ICICI (ICICI Prudential MF), , 247 (Birla Sunlife) 123

3) (SBI) 2 2015 RBI (Repo Rate) (base lending rate) 15 SBI ? 9.7%: (SBI), , 2 15 9.7% 8 2015 (EMI) 2

4) (RBI) 8 2015 ? 51% : - RBI 51% RBI -- RBI (strategic debt restructuring SDR) (debt ) 30 (equity) RBI 8 2015

5) (RBI) 11 2015 (Chit Funds) ? (Non-Resident Indians NRIs): RBI NRIs

6) 2015 (LIC) - (joint-venture) LIC ? ... (LIC Bangladesh): (Bangladesh IRDA) 2015 LIC - - ... (paid-up capital) LIC 50% - (MetLife-ALICO) 60 43 (General Insurance) 17 (Life Insurance)

7) (ICICI Bank) 9 2015 - (non-executive Chairman) , .. ? .. :.. ICICI - .. (K.V. Kamath) (BRICS) (New Development Bank) (President) .. (HUL) 2003 2011 ICICI ICICI - 5

8) 9 2015 50 , 290 ? HSBC:HSBC HSBC (CEO) (Stuart Gulliver) 50 HSBC : 2017 (Compliance) HSBC 40%

9) (Union Cabinet) 10 2015 (Ordinance) (Negotiable Instruments Act) (Cheque Bounce) ? : 2014 18 ( () , 2015 (Negotiable Instruments (Amendment) Act, 2015)

10) 3 2015 (FDI) (NRIs) : ? FDI (Overseas Citizens of India OCIs) (Persons of Indian origin PIOs) : (FDI) (Non-Resident Indians NRIs), (OCIs) (PIOs) - 2015 FDI OCIs PIOs NRIs (Department of Industrial Policy and Promotion DIPP) 3 2015 NRIs, OCIs PIOs FDI (Foreign Investments Promotion Board FIPB) 2,000 3,000 FDI (Cabinet Committee on Economic Affairs CCEA) 1) (Pradhan Mantri MUDRA Yojana PMMY) (Mudra Card) 4 2015 ? (Corporation Bank): ( MUDRA) 4

2) 2015 - 2015 (PSU Banks) - ( ) ? 5.17%: - (Gross Non-Performing Assets GNPAs) 2015 5.17% GNPAs (restructured loans) 13.2% , 26 - (GNPAs) 2.27 2015 2.78 ( 22.5% ) 19 GNPAs 1,37,487 1,92,270 (SBI) GNPAs 79,818 73,508 ( 8% ) (New private banks) - 18,133 35% 24,534 ( , (DCB), ICICI , HDFC , ) GNPAs ICICI 10,506 15,095 , 73.7% DCB Bank (33.8% ) GNPAs 50% - GNPAs 5,170 7,755 GNPAs - , 253% 783 2,764 (143% ) (48.5% ) , GNPAs

3) (Asian Infrastructure Investment Bank AIIB) 29 2015 50 (founding members) ? 8.52%: (AIIB) (Beijing) (Great Hall of People) 50 8.52% (voting rights) 7.5% (capital) , 30.34% 26.06% AIIB , , , , , , , , , , , , , , , , , , , , , ,

4) (SBI) 19 2015 ( ) - ? - (SBI eforex): - (SBI eforex) - SBI (Foreign Exchange prices) - , , - - ,

5) (RBI) 1 2015 : 1 RBI ? RBI : RBI RBI 1 1 RBI RTGS/NEFT, , ,

6) 29 2015 (Bank Holiday) (EU) ? (ECB) : (European Central Bank ECB) (Emergency Liquidity Assistance ELA) (IMF) 1.6 30 2015 ECB 5 2015 , (Referendum) 5 29 ATM 60

7) (SBI) 30 2015 - (e-commerce) - (m-commerce) ? :SBI (MakeMyTrip.com) SBI EMI , (Forex) SBI / SBI (Arundhati Bhattacharya) - - -

8) 2015 (Hyper-Inflation) ? (Zimbabwe): (Robert Mugabe) ( Zimbabwean Dollar) 2015 15 2015 5 2008 250 1

9) (Boston Consulting Group BCG) 2014 (worlds second-richest region) ( ) (private wealth) 2014 47 ($47 billion) ? (North America): 51 ($51 billion) 2016 2019 34% 2014 12% 164 2012 2013 2014 1) (mobile wallet) (Paytm) (RBI) 25,000 RBI ? 10,000 : (RBI) - KYC 10,000 RBI 10,000 Paytm 8.5 700 Paytm RBI 10,000 25,000 , DTH , , ,

2) (RBI) 9 2015 , , , (mass transit system MTS) - RBI - ? . 2000: RBI RBI 2,000 6 - (cashless economy)

3) (SBI) 17 2015 ? 3%: (Arundhati Bhattacharya) 17 3% (share) SBI 1% 3% (retention) 2015 SBI Rs. 13,101.57 Rs. 10,891.17 20% 2.3

4) 8 2015 (National Housing Bank NHB) (MD) (CEO) ? : (Sriram Kalyanaraman) (Equifax Credit Information Services) (NHB) NHB (housing finance sector) (regulatory body) 5

5) (Bandhan Bank) (Chairman) , 9 2015 ? . : . (Ashok K. Lahiri) (Chief Economic Advisor) 9 2015 (Board of Directors) (Chandra Sekhar Ghosh) (MD) (CEO) . ( , ), ( , ), ( , ), . ( , ), ( - , ), ( , ), (, ) .. (, . ) 23 2015

6) 16 2015 (foreign investment) ? 74% : (Composite Caps) , 74% (Automatic Routes) 100% (without official approvals)

7) (Asian Infrastructure Investment Bank AIIB) 6 2015 ? : (Jin Liqun) AIIB AIIB 2013 2014 2015 33 17 AIIB (IMF)

8) 8 2015 7 - (tax-free bonds) 40,000 7 ? (NHAI), (IRFC), (HUDCO), (IREDA), (NTPC), (PFC) (REC) : 7 - 24,000 (NHAI) IRFC 6,000 HUDCO 5,000 (IREDA) 2,000 NTPC, (PFC) (REC) 1,000 (HUF) (NRIs) 10 - (HNIs) - (tenure) 10, 15 20 (Government Securities)

9) 8 2015 (China) ? (Demand) : (Demand) (Production) (Market Capitalization) 3 ($3 trillion) (foreign institutional investors FIIs) 8

10) 7 2015 (Minimum Wages for Workers) 23 ? 160 : (industrial workers) (retail inflation) 137 160 1 2015 (Consumer Price Index (Industrial Workers)) 2012 2013 215.17 2014 2015 250.83 1 2013 115 137

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