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Reserve bank of india (rbi)

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RBI working management details, presentation describes how RBI works

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Reserve bank of india (rbi)

  1. 1. MEANING OF BANKING  People need money for day to day life as well as to meet for future expenses such as higher education of children ,marriage of children ,house ,building and even in the old age.  Saving of money is also necessary for old age and ill health when it may not be possible for people to work and earn their living ,but there is risk of theft or loss of money,robbery another accidents.  So people where money could be saved safely and would be available when reqiured.  Bank are such places where people can deposit their savings with the assurance that they will be able to withdraw money from the deposit whenever required.  The activities carried on by banks are called ‘banking’ activity.
  2. 2. TYPES OF BANKING Types of banking Central bank of india Commercial banks Development banks Co-operative banks Specialized banks
  3. 3. CENTRAL BANK OF INDIA : RBI  The reserve bank bank of india is india’s central banking institution, which controls the monetary policy of the indian rupee.  On 1st april 1935 , during the british rule in accordance with the provisions of the reserve bank of india act,1934 it came into existence.  Following india indepndence, the RBI was nationlaized in the year 1949.  The RBI plays an important part in the development startegy of the government of india.  It is a member of asian clearing union.
  4. 4. FUNCTIONS PERFORMED BY RBI  CURRENCY ISSUING AUTHORITY.  CONTROL OF MONEY SUPPLY AND CREDIT.  MANAGEMENT OF FOREX .  BANKER OF BANKS.  MAINTENANCE OF INDIAN FINANCIAL STRUCTURE.  BANKER OF THE BANKS.  SUPERVISION OF THE BANKS.
  5. 5. DIFFERENT TYPES OF BANKING RATES  Following are different rates and ratios which playa an important role in the growth of economy.  There are different types of rates are there which are as follows:  Cash reserve ratio (CRR).  Bank rate.  Repo rate.  Reserve repo rate.  Statutory liquidity ratio (SLR).
  6. 6. CASH RESERVE RATIO (CRR)  CRR is a cash reserve ratio.  Under CRR a certain percentage of the total banks do not have access to that much amount for any economic activity or commercial activity.  Banks can’t lend the money to corporates or individual borrowers, banks can’t use that money for investment purposes.
  7. 7. BANK RATE  Bank rate is the rate at which RBI lends money to others banks (or financial institutions ) without selling or buyiny any security.  The bank rate signals the central banks’s long-term outlook on interest rates.  If the bank rate moves up, long-term interest rates also tend to move up, and vice versa.  Banks make a profit by borrowing at a lower rate and lending same funds at a higher rate of interest.
  8. 8. REPO RATE  Repo rate is the rate at which the central bank of a country(reserve bank of india in case india ) lends money to commercial banks in the event of any shortfall of funds with keeping some securities with the RBI.  The buy backs that security at certain predetermined rate.  Repo rate is used by monetary authorities to control inflation .
  9. 9. REVERSE REPO RATE  Reverse repo rate is the rate at which the RBI borrows money from commercial banks.  Banks are always happy to lend money to the RBI since their money are in safe hands with a ‘good interest’.  It is also a tool which can be used by the RBI to drain excess liquidity(money) out of the banking system.
  10. 10. STATUTORY LIQUIDITY RATIO (SLR)  Statutory liquidity ratio is the amount of money that a commercial bank need to keep in cash, or invested in certain specified securities predominantly central government and state government securities .  Once this percentage is of the percentage of the total bank deposit available as far s the particular bank is concerned.  The SLR , the money goes into investment predominantly in the central government securities and on that amount bank earn some amount of interest.
  11. 11. THANKS FOR WATCHING THE END

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