The Reserve Bank of India (RBI), established in 1935, serves as the central bank responsible for managing the country's currency and credit system. It operates under various functions including monetary authority, regulator of banking systems, and maintaining financial stability while also facing limitations in its monetary policy, especially in rural areas. The document outlines the RBI's structure, policies, key historical phases, and the list of past governors.

1. RBI
Reserve Bank Of India
Prathyusha Sampath kumar Priya
VeeraBabu Sameera Vamsi Bhavani
Presentation members

2. Contents
– Head Quarters
– Introduction
– Roles
– Functions
– Objectives
– Structure of Indian Banking System
– Administration
– Policy rates and their reserve ratios & Limitations of monetary policy
– Governors of RBI

3. Head Quarters
Headquarters Mumbai, Maharashtra, India
Established 1 April 1935; 84 years ago
Governor Shaktikanta Das
Central bank of India
Currency Indian rupee (₹)
Reserves ₹2,837,400 crore (US$410 billion)
Bank rate 5.40%
Interest on reserves 4.00% (market determined)
Website rbi.org.in

4. Introduction
RBI - Reserve Bank of India
 Reserve Bank of India (RBI) is the central bank of the
country.
 RBI is a statutory body.
 It is responsible for printing of currency notes and managing
the supply of money in the Indian economy.
 Reserve Bank of India (RBI) is the highest monetary
authority of India.
 RBI was established in 1935 by the RBI Act 1934.
 RBI works as a custodian of foreign reserve, banker’s bank,
banker to the government of India and controller of credit.
Initially the ownership of
almost all the share capital
was in the hands of non-
government share holders.
So in order to prevent the
centralisation of the shares in
few hands, the RBI was
nationalised on January 1,
1949.

5. Roles

6. Functions
To regulate the issue of bank notes
and keeping of reserves with A view
to securing monetary stability in
India and generally to operate the
currency and credit system of the
country to its advantage.
The main functions of the Reserve Bank of India
includes:-
 Monetary authority.
 Issue of currency except coins which are minted by the Union
Government.
 Banker of Banks.
 Regulator of Banking System.
 Manager of foreign exchange.
 Maintaining financial stability.
 Detection of Fake Currency.
 Alternate Governor of IMF (international monetary fund).
 Economic growth.
 Inflation control.

7. Objectives

8. Structure of Indian
Banking System
RBI - Reserve Bank of India
1. Phase I- Pre-Nationalisation Phase
(prior to 1955)
2. Phase II- Era of Nationalisation and
Consolidation (1955-1990)
3. Phase III- Introduction of Indian
Financial & Banking Sector Reforms and
Partial Liberalisation (1990-2004)
4. Phase IV- Period of Increased
Liberalisation (2004 onwards)

9. Administration
RBI - Reserve Bank of India

10. Policy rates and their reserve
ratios
Policy rates
Policy repo rate 5.15 %
Reverse repo rate 4.90 %
Marginal standing facility rate 5.40 %
Bank rate 5.40 %
Reserve ratios
Cash reserve ratio (CRR) 4.00 %
Statutory liquidity ratio (SLR) 18.50 %
Rates as of third bi-monthly monetary policy meet of FY1920
(4 October 2019)

11. Lending and deposit rates
Base rate 8.95%–9.40%
Marginal Cost of funds-based overnight
Lending Rate (MCLR)
7.80%–8.30%
Savings deposit rate 3.25%–3.50%
Term deposit rate for > 1 year 6.25%–7.00%

12. Limitations of
monetary policy
In developing countries like India, monetary policy fails to show
immediate or no results because the following factors:
1.People do not employ alternative investment options. A large section of
society still depends on saving accounts, fixed deposits, Public Provident
Fund for investment. Commercial banks have large deposits. RBI is not
the main or even prominent money supplier for these banks. So whatever
monetary action central bank takes has little or late impact on the
economy.
2.Many people in rural areas are out of the banking net and whatever the
RBI does has no impact on their financial activities.
3.Monsoon uncertainty adversely affects food production and thereby
cause food inflation. Monetary policy has no impact on food inflation.

13. Governors of RBI
1.Osborne Smith. 2. James Braid Taylor.
3. C. D. Deshmukh. 4. Benegal Rama Rau.
5. K. G. Ambegaonkar. 6. H. V. R. Iyengar

14. Governors of RBI
7. P. C. Bhattacharya. 8. L. K. Jha.
9. B. N. Adarkar. 10. S. Jagannathan.
11. N. C. Sen Gupta. 12. K. R. Puri.

15. Governors of RBI
13. M. Narasimham. 14. I. G. Patel.
15. Manmohan Singh. 16. Amitav Ghosh.
17. R. N. Malhotra. 18. S. Venkataramanan.

16. Governors of RBI
19. C. Rangarajan. 20. Bimal Jalan.
21. Y. V. Reddy. 22. D. Subbarao.
23. Raghuram Rajan. 24. Urjit patel.
25. Shaktikanta Das

17. –THANK YOU