Answer Posted / shinoj.k.s.

Ans:- SLR - 25% (w.e.f. 07/11/2009) Increased from 24%

which was continuing since. 08/11/2008

These include:

1.Interest rate increases.

2.Changes in the prudential regulation of banks’

investments in G-Sec.Most G-Sec held by banks are long-term

fixed-rate bonds, which are sensitive to changes in

interest rates. Increasing interest rates have eroded

banks’ income from trading in G-Sec.

Recently a huge demand in G-Sec was seen by almost all the

banks when RBI released around 108000 crore rupees in the

financial system. This was by reducing CRR, SLR & Repo

rates. This was to increase lending by the banks to the

corporates and resolve liquidity crisis. Providing economy

with the much needed fuel of liquidity to maintain the pace

of growth rate. However the exercise became futile with

banks being over cautious of lending in highly shaky market

conditions. Banks invested almost 70% of this money to

rather safe Govt securities than lending it to corporates.

Value and Formula

The quantum is specified as some percentage of the total

demand and time liabilities ( i.e. the liabilities of the

bank which are payable on demand anytime, and those

liabilities which are accruing in one months time due to

maturity) of a bank.

SLR Rate = Total Demand/Time Liabilities x 100%

This percentage is fixed by the Reserve Bank of India. The

maximum and minimum limits for the SLR are 40% and 25%

respectively.[1] Following the amendment of the Banking

regulation Act(1949) in January 2007, the floor rate of 25%

for SLR was removed. Presently, the SLR is 25% with effect

from 7 November, 2009. It was raised from 24% in the RBI

policy review on 27 October, 2009.

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