DCB Full Form

Development Credit Bank Ltd

It got its licence from the Reserve Bank of India in 1995. It has its headquarters in Mumbai and the current CEO is Murali M. Natrajan. The bank has 367 branches.

Development Credit Bank

Features of Development credit Bank 

These are certain features of the bank-:

1. State of the art internet banking facility.
2. Customer-friendly branches.
3. Diverse business segment with SME, micro – SME, Retail, Indian Banks, Agriculture, and Non-banking financial institutions ( NBFC).
4. Around 1,000,000 customers.
5. The promoter and promoter group are the Agha khan Fund of economic development and the Platinum jubilee investment Ltd holds below 15% stake.
6. Public shareholding is approximately 39.4%.
7. It is listed on the Bombay stock exchange and National stock exchange respectively.
8. The branches are situated in Andhrapradesh, Bihar, Chattisgarh, Delhi/NCR, Goa, Gujrat, Haryana, Odisha, Tamilnadu, Telangana, Maharashtra, Kerala, Karnataka and so on.

History

The bank traces back its history in Maharashtra. It is formed as the merger of Ismailia Co-operative Bank Limited and the Masalawala Co-operative Bank. The bank thi formed was the Development Cooperative Bank. Later in the year 1995 on getting a licence by the Reserve Bank of India, it got its name the Development Credit Bank.

Tagline

The tagline of the Development credit Bank Ltd is that we value you.

Areas of DCB

• Consumer Banking
• Corporate Banking
• Mortgage / loans
• Finance and insurance distribution
• Wealth Management
• Investment banking

Awards 

In the business world, Magna awards 2018 was a runner in the category of Best small Bank. Also, it was rated for the same category in the year 2017.

For its activities toward climate change mitigation and sustainability, it received the Best Corporate citizen award of 2017-18 by the Bombay chamber of commerce.

Disconnecting circuit breaker

The word Disconnecting circuit breaker is made of two words circuit breaker -which in engineering means is a device used to ensure that the circuit is completely de-energised for maintenance. It simply disconnects or breaks the circuit. A circuit breaker is an electrical safety device to protect the circuit from damage due to a short circuit or may overcurrent. Disconnecting circuit breaker is a type of circuit breaker. It was invented by Thomas Edison in the year 1817 later the modern circuit breaker was patented by Brown, Boveri and Cie in 1924.

Functions

The main function of a circuit breaker is to interrupt the flow of current and to protect equipment from fire.

Origin

As mentioned earlier form of the circuit breaker was described by Thomas Edison in 1879. Later in 1924 Boveri, and Brown 1924 gave a modern version. Further, it was  Stotz’s invention that came up with a thermal-magnetic breaker. Later in 1935 various specially constructed circuit breakers came into play.

A circuit breaker is made of an electromagnetic coil when too much current flows through the coil it pulls off the switch and shuts the power. Hence it prevents short circuits. Also, the bimetal strip present in the circuit is used to pull the switch when the metal strip gets hot it pulls the switch and cuts off power.

Also, some circuits monitor the current electronically and shut the power off with the help of electronic sensors. These kinds are known as smart circuit breakers.

The circuit breaker is analogous to a fuse.

Operation

The circuit breaker to function identifies a fault line and posts that the circuit breaker interrupts that so that current can be stopped in the circuit. The interruption is created with the help of a spring or compressed air in some cases a higher current is used to separate contact .when a high current or voltage is interrupted an arc is generated that is proportional to the voltage.

Types of circuit breaker

The main types of circuit breakers are based on their voltage, construction, structure and interrupting type.

The main types of circuit breakers are as follows -: low voltage, solid-state, common trip breakers, shun-trip units, Medium -voltage, High -voltage, Sulphur hexafluoride high voltage, carbon dioxide high voltage and disconnecting circuit breaker.

Disconnecting circuit breaker

The Disconnecting circuit breaker came into existence in the year 2000. It is a high volatility circuit breaker and is made post-SF6   Breaker. It is an integration of a disconnector integrated with a breaking circuit so that a separate disconnector is not required. The advantage of using this is that the maintenance of a disconnecting switch is 2-6 yrs in comparison to the maintenance interval of 15years of the modern-day circuit. Further, it increases the availability as well.

Features of Disconnecting circuit breaker

1. No need for a separate disconnector.
2. Increase space in substation due to no separate disconnector requirement.
3. The maintenance cost and the tenure for a DCB are also reduced.
4. Increase availability.
5. Increased reliability due to lack of separate disconnector.

Conclusion

Development credit bank ltd is a bank that provides credit to a diverse segment and hence has a crucial role in the banking system. Further talking about disconnecting circuit breakers they are important for preventing the risk of short circuit or fire.