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.

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.

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hello sir this is K.Nagendra.I was prepare to bank po's exams.But I don't know how to prepare that exams so please give me some suggestions.And send me some importent model Qwestion papers. This is my email Id:kavali.nagendra@gmail.com

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i have cleared IBPS exam I have done instrumentation engineer In PO interview what should i say when panel ask How will i be beneficial to bank???? Please help me

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Is there any good practice book available in market for practicing to increase the speed for solving banking papers other than previous papers set?

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Dear sir .... please send me 2007,2008 RBI 's exam paper and please give me some suggestion on how to prepare the general awareness portion,if possible please give me some study material for the general awareness portion for this year's exam.......

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Hi, I'm working in vellore(tamilnadu) as postal assistant, I'm going to get married to a person who is in hosur(tamilnadu), Will I get marital transfer to that place? If yes, How much time will it take to get transfer from the date of applying? Kindly answer..

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ANYBODY has any idea, When would the LIC housing Finance assistant interview result be declared..the interviews were in February, but there is no update on the website.

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I have been selected for the interview of technical officer(Civil Engg.) in Syndicate bank. For what kind of interview questions should I prepare and what should be my approach for the interview? Would they ask about banking technical too as I am being selected for the post being specialised in Civil Engg.?

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Hello Sir I have done BAMS and MBA Health and hospital management. I have clear Indian bank specialist office credit sale II exam and interview is on date 3 aug 2015. Please suggest some good answers for question why you want to join bank after completion of your degree in medical profession?

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well friends hello to everybody i have been selected for state bank of hyderabad as po.i also qualified for sbi interview for po.any idea what topics to prepare for GD specially for PO(rural business)

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hi,i will get 73% in syndicate bank po exam which was held on 29.8.2010,is this enough to clear the exam?anyone who cleared bank po exams please reply to me

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why do you want to join as a Probationary Officer after doing mba?

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Hi,I have been selected for interview for probationary officer for Vijaya bank. Please send questions that may be asked in interview at kandwalrinkaj@gmail.com. Your help would be greatly appreciated. Thank you.

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hi friends Any one has given LIC Assistant Exam Previously which was held on 2009?Is there any negative marking? Please answer this question those who have given this exam.

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I have Called fr SBI PO interview will u plz suggest wat kind of questions are asked i m already working in SBI as Assistant.

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