The Complete TY-BAF Sem 6 Study Guides, Strategies, Exam Resources You Shouldn’t Miss!

BAF.co.in presents you a range of study resources designed to help you get prepared and allow you to make most of your SEM 6 EXAM studies. The below resources should be used only for reference / revision purpose.   TYBAF Sem 6 Exam Timetable: TYBAF Sem 6 CBSGS 60:40 & 75:25 Exam Timetable April 2015 […]

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Academic Excellence Awards 2015 On 28th, 29th and 30th April 2015

  Managementparadise.com is hosting mega felicitation ceremony for toppers of all the 100 colleges that conduct the BMS, BMM, BAF, BBI, BFM programmes. This kind of a mass felicitation of the toppers of the BMS, BMM, BAF, BBI, BFM fraternity has never been held in the 15 year history of the courses. No other organization […]

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Your Ultimate Study Guide To Help You Study Management II Perfectly!

What is Management 2 all about? As students of BAF you specialize in accounting and finance but it is of extreme importance that you know about other aspects of business too which is why in the past years you have been dealing with subjects like economics, business communication, foundation course, Business Law etc. While Management […]

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July 1969- Lead Bank Scheme introduced

July 1969- Lead Bank Scheme introduced   Under this banks were allotted districts and given the lead (responsibilities) to bring about development of these districts.   Identifying needs, problems of district then prepare plans and give RBI so that this can be aligned with policies. This scheme is based on area approach.

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Nationalization of SBIs

Before the steps of nationalisation of Indian banks, only State Bank of India (SBI) was nationalised. It took place in July 1955 under the SBI Act of 1955. Nationalisation of Seven State Banks of India (formed subsidiary) took place on 19th July, 1960 due to following reasons:   To prevent concentration of economic power   […]

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Scheduled Commercial Bank

Scheduled Commercial Bank: – is a bank listed in the second schedule of the RBI Act, 1934 which lies down that such a bank must have a paid up capital of 5 lakhs and above. It must be working in the interest of the depository.     Commercial banks are an organisation which normally performs […]

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Direct action on Banks by RBI

 Direct action on Banks by RBI   When the moral suasion proves ineffective the RBI may have to use direct action on banks. The RBI is empowered to take certain penal actions against banks which do not follow the line of policy dictated by it. This method is essentially a corrective measure which may bring […]

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Publicity and moral suasion of RBI

Publicity and moral suasion of RBI   RBI outlays guidelines to banks of banks countries to disobey the guideline. It may increase Bank rate or cancel licensing. Moral suasion is a means of strengthening mutual confidence an understanding between the monetary authority and the banks as well as financial institute and, therefore, is an essential […]

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Regulation for consumer credits

Regulation for consumer credits   The credit facilities provided by the banks to purchase durable consumer goods like cars, refrigerators, T.V. furniture, etc. is called as consumer credit. If consumer credit is ex-panded, it leads to the increase in production of consumer goods in the country.   Such in-creased sale of consumer goods will affect […]

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Variation of Margin Requirement

Variation of Margin Requirement   Here the term “margin “refers to a portion of the loan amount which cannot be bor-rowed from bank. In other words, the margin money is required to be brought in by the borrower from his own sources. This much percentage of money will not be lent by banks. The RBI […]

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Rationing of credit

Rationing of credit   This method is used to control the scheduled banks borrowings from the RBI. The RBI shows differential treatment in giving financial help to its member banks according to the purpose for which the credit is used.  

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Qualitative measures of credit control

Qualitative measures of credit control: The selective or qualitative credit control is intended to ensure an adequate credit flow to the desired sectors and preventing excessive credit for less essential economic activities. The RBI issues directives under Section 21 of the Banking Regulation Act 1949, to regulate the flow of banks’ credit against the security […]

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Reverse Repo rate

Reverse Repo rate is the rate at which banks park their short-term excess liquidity with the RBI. The RBI uses this tool when it feels there is too much money floating in the banking system. An increase in the reverse repo rate means that the RBI will borrow money from the banks at a higher […]

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