Answer Posted / sai laxmi

Bank rate:-
Bank rate is the rate at which RBI lends money to other banks or financial institutions or commercial banks. If bank rate is increased by RBI, then all banks will also hike their own lending rates such as deposit rates and prime lending rates etc.......Bank rate is also known as the discount rate and it is the oldest instrument of monetary policy. The bank rate policy seeks to affect both the cost and availability of credit.

CRR:-
CRR is a bank regulation that sets the minimum reserves each bank must hold to customer deposits and notes. Banks in India are required to hold a certain proportion of their deposits in the form of cash. However, actually banks don't hold these as cash with themselves, but deposit such case with RBI, which is considered as equivalent to holding cash with themselves. These reserves are designed to satisfy withdrawal demands, and would normally be in the form of authorized currency stored in a bank vault or with RBI. The reserve ratio is sometimes used as a tool in the monetary policy, influencing the country's economy, borrowing and interest rates. CRR is also known as cash asset ratio or liquidity ratio. The RBI is empowered to vary CRR between 3% and 20% respectively.

SLR:-
Every bank is required to maintain at the close of business every day, a minimum proportion of their net demand and time liabilities as liquid assets in the form of cash, gold or approved securities. This percentage is fixed by RBI. The maximum and minimum limits for the SLR are 40% and 25% respectively.

Repo Rate:-
It is also called as repurchase rate. It is the rate at which RBI lends short term money to the banks. When the banks have any shortage of funds they can borrow it from RBI. A reduction in the repo rate will halp banks to get money at a cheaper rate. When the repo rate increases, borrowing from RBI becomes expensive.

Reverse Repo rate:-
Reverse repo rate is the rate at which RBI borrows money from banks. When liquidity or cash floating is excess in banks, RBI sucks it out by reverse repo by lending securities and taking out money from banks.

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why do you wnt to join in ban rathe than other fields?

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Has anyone any idea about when will be the UCO Bank PROBATIONARY OFFICERS (PO) interview when exam help ON 30 Jan 2011. anyone got call letters or email ?

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Hi , Myself Vinay , I cleared Karnataka bank po exam held in April 2016 and I am in waiting list ( waiting list valid upto June 30th 2017)please suggest me anyone is there any chance to get a job or not.

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please contribute all those who are appearing for idbi assistant manger interview............will b helpful for all of us

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for those already workin as po wat to do if noc cannot be produced in sbi po interview

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i've been selected for allahabad bank's interview.i wanted to ask how i should prepare for it.please send me related materials at my e-mail id- knimmi.2007@rediffmail.com.send it asap.

2002

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hi.......i have attempted syndicate bank po exam on 29.08.10.i have done 80% in apps,reason,computer,english.i have done only 50% in general awareness?Is it enough to clear the exam

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why job in bank is good for women

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could you please suggest me the book for bank PO's especially for reserve bank of INDIA

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i am from Rajasthan who got selected in syndicate bank po (exam held on 29 august 2010).not yet received any appointment letter any one who receive pls tell me on my id vikram.yadav85@gmail.com .

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if anyone has already given gd & pi of sbi po, could u please send some information about gd topics to my email id patilvb4008@gmail.com

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Hello sir/madam... I'm one of the selected candidate among recently held Postal Assistance Cadre.. I have been selected for the postal branch SBCO (Savings bank Control Office)... I wanted to know about the sort of work assigned to us in this post and also I have one more query. As the selection for above mentioned post is done on the basis of II PU eligibility, will I be able to apply for higher posts as a part of departmental exams?? Because I have finished my engineering Graduation in Computer Science.. Is there any higher posts which suits for my knowledge base....?? Please help me out with my questions.. It will be very helpful for me...

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hi plz help me i m filling sbi asso po biodata form what should i write in the subject studied coloumn where they have asked about the semester marks as there is not enough space even to write the shor form of the subject in a semester plzz help

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Hii I HV been selected for federal manipal gd n interview how shall I prepare.. Pls help me!

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