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Lesson 1: Banking Concepts and RBI (in Hindi)
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Role of a bank Need of a central Bank NDTL RBI

Shashank Sahu
Cleared UPSC CDS, SSC CGL and JEE; A debate enthusiast. Edu: An Engineer/Scientist (Physical Sciences) from IIST(ISRO) Trivandrum.

Unacademy user
Thank Q so much sir. Your way of explanation is very good sir.
  1. Banking and Finance

  2. ABOUT ME . B.Tech, IIST Cleared UPSC CDS, SSC CGL . Rate and review .Comment and share Follow me on Unacademy:

  3. Role of a Bank . Security Interest Loans

  4. Need of a central Bank . Take care of interest of the depositor

  5. Deposit types 1. Demand Deposits 2. Time Deposits Both are liabilities of a bank Current and savings Fixed Deposits Called total demand and time liabilities

  6. Loans: . Home loan, car loan, two wheeler loan etc These are assets of a bank NPA: Assets from which EMI's have stopped and the borrower is defaulted

  7. Net Demand and Time Liabilities . Some banks put some of their liabilities in other bank as FDs NDTL = TDTL-FDs in other banks

  8. Reserve Bank of India .HQ 1935-1937 Calcutta 1937 Bombay . 19 Regional Offices . 9 Subregional Offices Established in 1935 by RBI Act 1934

  9. Composition 1 Governor 4 Deputy Governor First Governor of RBI: Osborne Smith - Independent India: C D Deshmukh Longest serving governor: Benegal Rama Rao (1949-1957)

  10. Nationalised in 1949 Statutory Body Independency depend on the personality . In 2016 RBI Act 1934 was amended which ask for making a monetary policy committee which take important monetary decisions . This committee comprises 3 members from govt and 3 from RBI