Entrance Exams
Govt. Exams
Using home loan EMI formula, total interest for ₹25 lakh at 7.2% over 240 months ≈ ₹13,50,000 (approximate calculation based on standard amortization).
LCR was introduced under Basel III to ensure banks maintain adequate high-quality liquid assets to survive acute stress scenarios.
Improved ROA indicates better profitability relative to total assets. Stable ROE with improved ROA suggests maintained leverage with better operational efficiency.
PMJJBY provides only death cover (natural and accidental), not critical illness coverage. For critical illness, Ayushman Bharat is a separate scheme.
A healthy CASA ratio of 35-40% indicates banks have a stable, low-cost deposit base, which improves net interest margins.
RBI mandates a minimum CET1 capital ratio of 6.5% for Indian banks under Basel III framework to ensure financial stability.
RBI mandates KYC updation every 10 years for regular customers, though higher-risk categories may require more frequent updates.
Higher PCR indicates better provision coverage against stressed assets, reflecting stronger risk management and improving asset quality.
Growth = (3,54,000 - 3,00,000) / 3,00,000 × 100 = 54,000/3,00,000 × 100 = 18%.
SLR is an RBI-specific regulation predating Basel III. Basel III includes CAR, LCR, and NSFR.