The Reserve Bank of India (RBI) is the central bank of India established in 1935. It regulates monetary policy and the banking system in India. Key functions of RBI include issuing currency, acting as a banker to the government and banks, managing foreign exchange reserves, and regulating interest rates through tools like the repo rate to control inflation. RBI uses both quantitative measures like changing the repo rate, cash reserve ratio, and statutory liquidity ratio as well as qualitative measures like moral persuasion to implement monetary policy goals.
What is RBI, Structure of RBI, Function of RBI(Traditional/Promotional/Supervisory), Economic Policies, Monetary Policies, CRR, SLR, RRR, LAF, MSF, OMOS
Reserve Bank Of India is the Apex Bank of India responsible to take care of banking and credit system of the country.Its main function is to form the monetary policies and rules and regulations for efficient and transparent banking system..
What is RBI, Structure of RBI, Function of RBI(Traditional/Promotional/Supervisory), Economic Policies, Monetary Policies, CRR, SLR, RRR, LAF, MSF, OMOS
Reserve Bank Of India is the Apex Bank of India responsible to take care of banking and credit system of the country.Its main function is to form the monetary policies and rules and regulations for efficient and transparent banking system..
The Reserve Bank of India is India's central banking institution, which controls the monetary policy of the Indian rupee. It commenced its operations on 1 April 1935 during the British Rule in accordance with the provisions of the Reserve Bank of India Act, 1934.
Objectives & Agenda :
External Commercial Borrowings (ECB) are commercial loans raised by eligible resident entities from recognised non-resident entities. The objective of this Webinar is to understand the regulations laid down for the purposes of ECBs. We shall discuss the parameters such as minimum maturity, permitted and non-permitted end-uses, maximum all-in-cost ceiling, and other such conditions relating to ECBs. We shall also look at relevant Statistics.
About Monetary policy review committee role, function, issues, challenges and way that how to solve those problem. Reason for increasing the problems in monetary policies. How monetary policy committee members are selected.
Roles, objectives and functions of Reserve Bank of India. Structure of RBI. It will give overview of RBI. It's regulatory functions and it's credit creation objectives. It will enlighten steps to Control inflation and the tools used for inflation control. It will also help students to get an overview of RBI structure and the functions it carries out
The Reserve Bank of India is India's central banking institution, which controls the monetary policy of the Indian rupee. It commenced its operations on 1 April 1935 during the British Rule in accordance with the provisions of the Reserve Bank of India Act, 1934.
Objectives & Agenda :
External Commercial Borrowings (ECB) are commercial loans raised by eligible resident entities from recognised non-resident entities. The objective of this Webinar is to understand the regulations laid down for the purposes of ECBs. We shall discuss the parameters such as minimum maturity, permitted and non-permitted end-uses, maximum all-in-cost ceiling, and other such conditions relating to ECBs. We shall also look at relevant Statistics.
About Monetary policy review committee role, function, issues, challenges and way that how to solve those problem. Reason for increasing the problems in monetary policies. How monetary policy committee members are selected.
Roles, objectives and functions of Reserve Bank of India. Structure of RBI. It will give overview of RBI. It's regulatory functions and it's credit creation objectives. It will enlighten steps to Control inflation and the tools used for inflation control. It will also help students to get an overview of RBI structure and the functions it carries out
-The Reserve Bank of India (RBI) is India's central banking institution, which controls the monetary policy of the Indian rupee.
-It commenced its operations on 1st April 1935 in accordance with the Reserve Bank of India Act, 1934.
-Started as a Shareholders Bank with original share capital divided into shares of 100 each fully paid, which were initially owned entirely by private shareholders.
-The general superintendence and direction of the RBI is entrusted with the 21-member Central Board of Directors.
MAJOR Functions-
1.Issue of Bank Notes
2.Banker to Government
3.Custodian of Cash Reserves of Commercial Banks
4.Custodian of Country's Foreign Currency Reserves
5.Lender of Last Resort
6.Central Clearance and Accounts Settlement
7.Controller of Credit
Introduction, Organization Structure of RBI, Reason for establishment of RBI, Functions of RBI, Role of RBI in Inflation, Control Measures, Policy Rate in Indian Banking
This presentation has two parts RBI & Monetary Policy.
It covers in detail the RBI, its history, preamble, organization structure, objectives, its functions in detail, its subsidiaries and all its publications with their links.
In the second part it covers Monetary Policy from Indian perspective. It starts with definition, Policy process followed in India, Goals, Framework. It covers the instruments of Monetary Policy in detail. It covers the future framework envisaged by RBI. In the last leg it covers the Contractionary & Expansionary monetary policy with their execution challenges.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
2. INTRODUCTION
It is the Central Bank of India
Established in “1st April 1935”
under the “RESERVE BANK OF
INDIA ACT”.
Its head quarter is in Mumbai
(Maharashtra). Its present
governor is “MR. D Subbarao”.
It has “22 Regional Offices”,
most of them in State capitals.
3. History of RBI
1935–1950
The bank was founded in 1935 to respond to economic troubles
after the First World War. The Preamble of the Reserve Bank of
India describes the basic functions of the Reserve Bank as to
regulate the issue of bank notes, to keep reserves with a view to
securing monetary stability in India and generally to operate the
currency and credit system in the best interests of the country.
The Central Office of the Reserve Bank was initially established
in Kolkata, Bengal, but was permanently moved to Mumbai in
1937.
1960–1969
As a result of bank crashes, the reserve bank was requested to
establish and monitor a deposit insurance system. It should
restore the trust in the national bank system and was initialized
on 7 December 1961.
4. 1969–1985
Between 1969 and 1980, the Indian government nationalized 6
more commercial banks; following 14 major commercial banks
being nationalized in 1969 . The branch was forced to establish
two new offices in the country for every newly established office
in a town. The oil crises in 1973 resulted in increasing inflation,
and the RBI restricted monetary policy to reduce the effects.
1985–1991
A lot of committees analyzed the Indian economy between 1985
and 1991. Their results had an effect on the RBI.
5. 1991–2000
The national economy came down in July 1991 and the Indian rupee was
devalued. The currency lost 18% relative to the US, and
the Narsimahmam Committee advised restructuring the financial sector
by a temporal reduced reserve ratio as well as the statutory liquidity ratio.
published in 1993 to establish a private banking sector. This turning point
should reinforce the market and was often called liberal. The central bank
deregulated bank interests and some sectors of the financial market like
the trust and property markets.
Since 2000
The Foreign Exchange Management Act from 1999 came into force in June
2000. It should improve the foreign exchange market, international
investments in India and transactions. The RBI promoted the
development of the financial market in the last years, allowed online
banking in 2001 and established a new payment system in 2004–2005
6. PREAMBLE :-
The Preamble of the Reserve Bank of India describes
the basic functions of the Reserve Bank as :-
“…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."
7. FUNCTIONS OF RBI
Issue of currency
Development role
Banker to government
Banker to bank
Role of RBI in inflation control
Formulate monetary policy
Manager of foreign reserve
Clearing house functions
Regulations of banking system
8. Issue of Currency
To ensure adequate quantity of supplies of currency notes and
coins of good quality.
Issues new currency and destroys currency and coins not fit for
circulation.
It has to keep in forms of gold and foreign securities as per
statutory rules against notes & coins issued.
Developmental Role
To develop the quality of banking system in India.
Performs a wide range of promotional functions to support
national objectives.
To establish financial institutions of national importance, for e.g:
NABARD,IDBI etc.
9. Banker to the Government:
Performs all banking function for the central and the state
governments and also acts as their banker excepting that of
Jammu and Kashmir. It makes loans and advances to the States
and local authorities. It acts as adviser to the Government on all
monetary and banking matters.
10. Banker to banks:
Maintains banking accounts of all scheduled banks.
RBI also regulates the opening /installation of ATM Fresh
currency notes for ATMs are supplied by RBI.
RBI regulates the opening of branches by banks.
It ensures that all the N.B.F.S follow the Know Your
Customer guidelines.
11. The Reserve Bank of India also regulates the trade of gold.
Currently 17 Indian banks are involved in the trade of gold in
India.
RBI has invited applications from more banks for direct import
of gold to curb illegal trade in gold and increase competition in
the market.
Collection and publication of data.
It issues guidelines and directives for the commercial banks.
12. Role of RBI in inflation
control
Inflation arises when the demand increases and there is a shortage
of supply There are two policies in the hands of the RBI.
Monetary Policy: It includes the interest rates. When the bank
increases the interest rates than there is reduction in the
borrowers and people try to save more as the rate of interest has
increased.
Fiscal Policy: It is related to direct taxes and government spending.
When direct taxes increased and government spending increased
than the disposable Income of the people reduces and hence the
demand reduces.
13. Formulate monetary policy
Maintain price stability and ensuring adequate flow of credit
in the economy.
It formulates implements and monitors the monetary policy.
Instruments: qualitative & quantitative.
14. Quantitative Measures
Quantitative Measures “BANK RATE” also called “Discount
Rate”.
It also includes “Repo Rate”.
“Open Market Operations” buying and selling of government
securities.
“Variable Reserve Ratio” it includes C.R.R and S.L.R
Qualitative Measures
1. Direct Action
2. Moral persuasion
3. Legislation
4. Publicity
15. BANK RATE
It’s the interest rate that is charged by a country’s central
bank on loans and advances to control money supply in the
economy and the banking sector.
This is typically done on a quarterly basis to control inflation
and stabilize the country’s exchange rates.
A fluctuation in bank rates Triggers a Ripple-Effect as it
impacts every sector of a country’s economy.
A change in bank rates affects customers as it influences
Prime Interest Rates for personal loans.
The present bank rate is 9%
16. REPO RATE
Whenever the banks have any shortage of funds they can
borrow it from the central bank. Repo rate is the rate at which
our banks borrow currency from the central bank.
A reduction in the repo rate will help banks to get Money at a
cheaper rate.
When the repo rate increases borrowing from the central
bank becomes more expensive.
In order to increse the liquidity in the market, the central
bank does it.
The present repo rate is 8%
17. REVERSE REPO RATE
It’s the rate at which the banks park surplus funds with reserve
bank.
While the Repo rate is the rate at which the banks borrow from
the central bank.
It is mostly done , when there is surplus liquidity in the market
by the central bank.
The present reverse repo rate is 7%
18. • Cash Reserve Ratio (CRR) is the amount of Cash(liquid cash like
gold)that the banks have to keep with RBI.
•This Ratio is basically to secure solvency of the bank and to drain
out the excessive money from the banks.
•The present CRR rate is 4%.
CRR (Cash Reserve Ratio)
19. SLR ( Statutory Liquidity
Ratio)
•It is the amount a commercial bank needs to maintain in the
form of cash, or gold or govt. approved securities (Bonds)
before providing credit to its customers.
•SLR rate is determined and maintained by the RBI (Reserve
Bank of India) in order to control the expansion of bank credit.
•The present SLR rate is 23%.
20. Current bank rates
Bank Rate 9%
Repo Rate 8%
Reverse Repo Rate 7%
Cash Reserve Ratio (CRR) 4%
Statutory Liquidity Ratio (SLR) 23.0%
Base Rate 9.80%–10.25%
Reserve Bank Rate 4%
Deposit Rate 8.50%–9.05%
21.
22. QUALITATIVE MEASURES
1. Direct Action: The central bank may take direct action against
commercial banks that violate the rules, orders or advice of the
central bank. This punishment is very severe of a commercial
bank.
2. Moral persuasion: It is another method by which central bank
may get credit supply expanded or contracted. By moral pressure
it may prohibit or dissuade commercial banks to deal in
speculative business.
23. 3. Legislation:
The central bank may also adopt necessary legislation for
expanding or contracting credit money in the market.
4. Publicity:
The central bank may resort to massive advertising campaign
in the news papers, magazines and journals depicting the
poor economic conditions of the country suggesting
commercial banks and other financial institutions to control
credit either by expansion or by contraction.
24. Manager of Foreign Exchange
To facilitate external trade and payment and promote orderly
development and maintenance of foreign exchange market in
India.
It acts as a custodian and Manages the Foreign Exchange
Management Act,(FEMA) 1999.
RBI buys and sells foreign currency to maintain the exchange
rate of Indian Rupee v/s foreign currencies like the US Dollar,
Euro, Pound and Japanese yen.
25. Clearing House Functions
The RBI operates
clearing houses to
settle banking
transactions. The
RBI manages 14
major clearing
houses of the
country situated in
different major
cities. The State
Bank of India and its
associates look after
clearing houses
function in other
parts of the country
as an agent of RBI.
26. :
Regulation of Banking System
The prime duty of the reserve Bank is to regulate the banking
system of our country in such a way that the people of the
country can trust in the banking Up to perform its duty.
The Reserve Bank has following powers in this regard:
•Licensing:
According to the section 22 of the Banking Regulation Act,
every bank has to obtain license from the Reserve Bank. The
Reserve Bank issues such license only to those banks which
fulfill condition of the bank.
27. Management:
Section 10 of the Banking Regulation Act embowered the
Reserve Bank to change manager or director of any bank if it
considers it necessary or desirable.
Branch Expansion:
Section 23 requires every bank to take prior permission from
Reserve Bank to open new places of business in India.
Power of inspection of Bank:
Under Section 35, the Reserve Bank may inspect any bank and
its books and accounts either at its own initiative or at the
instance of the Central Government.
29. Statements Changes in the Policy Repo Rate under
Unchanged at 4 per cent
Increased from 4.0 per cent to 4.4 per
Increased from 4.4 per cent to 4.9 per
22 Increased from 4.9 per cent to 5.4 per
er 2022 Increased from 5.4 per cent to 5.9 per
2022 Increased from 5.9 per cent to 6.25 pe