A small presentation on RBI ,22 slides divided on the baisis of structural functional and objective wise division of the slides, Most of the references are direclty from the RBI websites ,

1. BY: GROUP TOYOTA

2. CATALOGUES
 Brief information about the topic
 Members of the agency
 Objectives of the agency
 Rules/Regulations
 Statistical Performance
 Conclusion

3. QUICK PEEK ABOUT RBI
 Headquarters Mumbai, Maharashtra, India
 Established 1 April 1935; 82 years ago
 Governor Urjit Patel
 Currency Indian Rupee
 (₹)Reserves US$ 363.00 billion
 Bank rate 6.00%
 Interest on reserves 4.00%(market determined)[

4. CENTRAL BANK
It is a bank of banker”
-- Samuelson
“Bank which has monopoly over note issue”
-- Vera Smith
“Central bank is the government’s bank”
-- Sayers

5. CENTRAL BANK OF INDIA
Establishment
 The Reserve Bank of India was established on April 1, 1935
in accordance with the provisions of the Reserve Bank of
India Act, 1934.
 The Central Office of the Reserve Bank was initially
established in Calcutta but was permanently moved to
Mumbai in 1937.The Central Office is where the Governor
sits and where policies are formulated
 Though originally privately owned, since nationalization in
1949, the Reserve Bank is fully owned by the Government
of India.

6. PREAMBLE OF RBI
The Preamble of the Reserve Bank of India describes
the basic functions of the Reserve Bank as:
 "to regulate the issue of Bank notes and keeping of
reserves with a view to securing monetary stability
in India and generally to operate the currency and
credit system of the country to its advantage; to
have a modern monetary policy framework to meet
the challenge of an increasingly complex economy,
to maintain price stability while keeping in mind the
objective of growth."

7. CENTRAL BOARD
 The Reserve Bank's affairs are governed by a central board
of directors.The board is appointed by the Government of
India in keeping with the Reserve Bank of India Act.
 Appointed/nominated for a period of four years
 Constitution:
 Official Directors
 Full-time : Governor and not more than four Deputy Governors
 Non-Official Directors
 Nominated by Government: ten Directors from various fields and
two government Official
 Others: four Directors - one each from four local boards

8. STRUCTURE OF BANKING IN INDIA
Reserve Bank
Commercial Bank Co-operative Bank
-Public Sector Bank -State Co-op bank
-Private Sector bank -Central Co-op Bank
-Regional Rural Bank -Primary Co-op Soc

9. GOVERNOR
 Urjit Patel
24th Governor of Reserve Bank of India
 In office 4 September 2016 Incumbent
 Preceded by Raghuram Rajan
Personal details
 Nationality Indian
 Alma mater
London School of Economics(Bsc)
Oxford University (M. Phil.)
Yale University (PhD)

11. BOARD OF DIRECTORS
1 Dr. Urjit R. Patel
DESIGNATION Governor
2 Shri N. S. Vishwanathan
Deputy Governor
3 Dr. Viral V. Acharya
Deputy Governor
4 Shri B.P. Kanungo
Deputy Governor
5 Dr. Nachiket M. Mor
6 Shri Natarajan
7 Shri Bharat Narotam Doshi
8 Shri Sudhir Mankad
9 Dr. Rajiv Kumar
10 Dr. Ashok Gulati
11 Shri Manish Sabharwal
12 Ms. Anjuly Chib Duggal
13 Shri Subhash Chandra Garg

12. FUNCTIONS OF RBI
Main Functions
 Monetary Authority:
 Formulates, implements and monitors the monetary policy.
 Objective: maintaining price stability while keeping in mind the
objective of growth.
 Regulator and supervisor of the financial system:
 Prescribes broad parameters of banking operations within which the
country's banking and financial system functions.
 Objective: maintain public confidence in the system, protect
depositors' interest and provide cost-effective banking services to the
public.
 Manager of Foreign Exchange
 Manages the Foreign Exchange ManagementAct, 1999.
 Objective: to facilitate external trade and payment and promote
orderly development and maintenance of foreign exchange market in
India.

13. CONTD.
 Issuer of currency:
 Issues and exchanges or destroys currency and coins not fit for
circulation.
 Objective: to give the public adequate quantity of supplies of currency
notes and coins and in good quality.
 Developmental role
 Performs a wide range of promotional functions to support national
objectives.
 Related Functions
 Banker to the Government: performs merchant banking function for
the central and the state governments; also acts as their banker.
 Banker to banks: maintains banking accounts of all scheduled banks.

14. OBJECTIVES OF RBI
 The Reserve Bank of India Act, 1934 sets out the objectives
of the Reserve Bank:
“to regulate the issue of Bank notes and keeping of reserves
with a view to securing monetary stability in India and
generally to operate the currency and credit system of the
country to its advantage; to have a modern monetary policy
framework to meet the challenge of an increasingly
complex economy, to maintain price stability while keeping
in mind the objective of growth.”
 The formulation, framework and institutional architecture
of monetary policy in India have evolved around these
objectives – maintaining price stability, ensuring adequate
flow of credit to sustain the growth momentum, and
securing financial stability

15. CONTD
 The responsibility for ensuring financial stability has entailed
the vesting of extensive powers in and operational objectives
for the Reserve Bank for regulation and supervision of the
financial system and its constituents, the money, debt and
foreign exchange segments of the financial markets in India
and the payment and settlement system.
 The Endeavour of the Reserve Bank has been to develop a
robust, efficient and diversified financial system so as to anchor
financial stability and to facilitate effective transmission of
monetary policy.
 In addition, the Reserve Bank pursues operational objectives in
the context of its core function of issuance of bank notes and
currency management as well as its agency functions such as
banker to Government (Centre and States) and management of
public debt; banker to the banking system including regulation
of bank reserves and the lender of the last resort.

16. CONTD
 The specific features of the Indian economy, including its
socio-economic characteristics, make it necessary for the
Reserve Bank to operate with multiple objectives.
 Regulation, supervision and development of the financial
system remain within the legitimate ambit of monetary
policy broadly interpreted in India.
 The role of communication policy, therefore, lies in
articulating the hierarchy of objectives in a given context in
a transparent manner, emphasizing a consultative
approach as well as autonomy in policy operations
and harmony with other elements of macroeconomic
policies.

17. BANK CREDIT BY SECTOR
MONTHLY
0
5
10
15
20
25
30
35
40
45
Jun-16
Jul-16
Aug-16
Sep-16
Oct-16
Nov-16
Dec-16
Jan-17
Feb-17
Mar-17
Apr-17
May-17
Jun-17
Jul-17
Bank credit to
agriculture
Bank credit to
industry
Bank credit to
personal loans
Bank credit to
services

18. WHOLESALE PRICE INDEX INFLATION
-15
-10
-5
0
5
10
15
20
25
30
ALL COMMODITIES
PRIMARY ARTICLES
FUEL N POWER
MANUFACTURED
PRODUCTS

19. REGULATIONS
COMMERCIAL BANKS
 Mandate /Goals: Regulation aimed at protecting
depositors’ interests, orderly development and conduct of
banking operations and fostering of the overall health of
the banking system and financial stability.
 Perimeter: Commercial banks (91),All India Financial
Institutions (5), Credit InformationCompanies (4), Regional
Rural Banks (56) and Local Area Banks (4).
 Evolution: Regulatory functions have evolved with the
development of the Indian banking system and adoption of
prudential norms based on international best practices.

20. CONTD
CO OPERATIVE BANKING
 The rural co-operative credit system in India is primarily mandated to ensure
flow of credit to the agriculture sector. It comprises short-term and long-term
co-operative credit structures.
 The short-term co-operative credit structure operates with a three-tier system -
Primary AgriculturalCredit Societies (PACS) at the village level, Central
Cooperative Banks (CCBs) at the district level and State Cooperative Banks
(StCBs) at the State level.
 PACS are outside the purview of the Banking Regulation Act, 1949 and hence
not regulated by the Reserve Bank of India. StCBs/DCCBs are registered under
the provisions of State Cooperative Societies Act of the State concerned and are
regulated by the Reserve Bank. Powers have been delegated to National Bank
for Agricultural and Rural Development (NABARD) under Sec 35 A of the Banking
RegulationAct (AsApplicable to Cooperative Societies) to conduct inspection of
State and Central Cooperative Banks.

21. CONTD
NON BANKING FINANCIAL INSTITUTIONS
 India has financial institutions which are not banks but which accept
deposits and extend credit like banks.These are called Non-Banking
Financial Companies (NBFCs) in India.
 NBFCs in India include not just the finance companies that the general
public is largely familiar with; the term also entails wider group of
companies that are engaged in investment business, insurance, chit fund,
nidhi, merchant banking, stock broking, alternative investments, etc., as
their principal business. All are though not under the regulatory purview of
the Reserve Bank.
 The total number of NBFCs as on March 31, 2014 are 12,029 of which
deposit taking NBFCs are 241 and non-deposit taking NBFCs with asset
size of ‘100 crore and above are 465, non-deposit taking NBFCs with asset
size between ‘50 crore and ‘100 crore are 314 and those with asset size less
than ‘50 crore are 11,009.The sector today has a total asset size of just
around 14 percent of that of scheduled commercial banks (other than
RRBs).

22. CONCLUSION
 Central bank plays important role in achieving economic growth of a
developing country
 It promotes economic growth with stability
 It helps in attaining full employment balance of payment disequilibrium
and in stabilizing exchange rate
 RBI is an autonomous body promoted by the government of India and is
headquartered at Mumbai
 RBI is an autonomous body promoted by the government of India and is
headquartered at Mumbai treasury foreign exchange movements and is
also the primary regulator for banking and non-banking financial
institutions
 The RBI operates a number of government mints that produce currency
and coins