Entrance Exams
Govt. Exams
RBI guidelines specify 80% as the maximum LTV ratio for housing loans to manage systemic risk.
CASA (Current Account Saving Account) ratio measures the proportion of low-cost deposits, indicating deposit quality and profitability.
OMO involves buying and selling government securities to regulate liquidity and money supply in the banking system.
LAF allows banks to borrow through Repo (overnight) or Reverse Repo to manage short-term liquidity needs.
MSF allows scheduled banks to borrow funds overnight from RBI at a penal rate against eligible securities when other liquidity sources are exhausted.
BCBS, established in 1974, develops banking regulations and prudential standards, publishing Basel I, II, and III accords.
RBI mandates a minimum CAR of 10.5% for SCBs (including Tier-1 and Tier-2 capital), exceeding Basel III minimum of 8%.
IBC aims to provide a unified mechanism to resolve corporate insolvency through a time-bound process of 180 days (extendable to 270 days).
LCR is a Basel III requirement ensuring banks maintain sufficient high-quality liquid assets to survive a 30-day liquidity stress scenario.
The Payment and Settlement Systems Act, 2007 grants RBI the authority to regulate and oversee payment systems in India.