Answer Posted / sandeep dhingra

PLR IS PRIME LENDING RATE WHICH IS INTEREST CHARGED BY THE
COMMERCIAL BANKS FROM THE CUSTOMER WHO HAVE THE VERY GOOD
CREDIT WORTHINESS AND HAVE VERY LOW PROBABILITY OF DEFAULT
IN THEIR RETURNS BECAUSE WHEN BANKS CHARGED THE INTEREST FOR
THE LOAN THEY GIVE THERE IS RISK PREMIUM INVOLVED IN IN THAT
SO THEY REDUCE THAT RISK PREMIUM BY FEW POINTS AND GIVE LOAN
AT LENDING RATE WHICH IS LESS THAN NORMAL LENDING RATE OF BANKS.
FUNCTION OF RBI HAS DUAL FUNCTION TO CONTROL THE LIQUITDITY
AND MONITOR THE GROWTH OF ECONOMY . IN TE LIQUIDITY THEY
HAVE TO MONITOR THE INFLATION BASICALLY WHICH SHOULD NOT GO
HUGH AND HURT PPL BELOW THE POVERTY LEVEL AND MIDDLE CLASS
PPL WHO CANT AFFORD TO COMMODITIES AT HIGHER PRICE THEN
INFLATION ALSO HAS ITS EFFECT ON THE EXCHNAGE RATE ACCORDING
TO PPP THEORY COUNTRY WITH THE HIGH INFLATION WILL FACE
DEPRECIATION IN THE DOMESTIC CURRENCY AND THAT WIL HURT
IMPORT AND FOREX OF THE COUNTRY AT THE TIME OF CONVERSION OF
DOMESTIC CURRENCY TO FOREIGN CURRENCY AND OTHER JOB IS TO
MONITOR GROWTH OF ECONOMY WHETHER ALL THE IMPORTANT SECTOR
OF THE ECONOMY HAVE ENOUGH CREDIT ACCEES AND LIQUIDITY
AVALABLE WITH THEM TO GET DESIRED RESULT FOR THE QUATER AND
FINALLY FOR THE FISCAL YEAR .

Hi All If any one of you wanna banking related interview preparation then contact me on pksingh1512@gmail.com. Currently i am located in Navi Mumbai-Vashi

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