Basel Accords (I, II, III) aim to strengthen the regulation, supervision, and risk management of banks to ensure financial stability.

RBI Payments Private Limited operates as a wholly-owned subsidiary of the Reserve Bank of India, managing critical payment infrastructure.

PMJDY provides accidental death insurance cover of Rs. 2 lakhs (Rs. 200,000) to all beneficiaries who open accounts under the scheme.

As per the latest RBI Monetary Policy (2024), the Repo Rate has been maintained at 6.5% with a focus on managing inflation while supporting growth.

M3 includes currency, demand deposits, and time deposits with banks. Cryptocurrencies are not included in the official money supply measurement by RBI.

RBI mandates a minimum CRAR of 10.5% for Scheduled Commercial Banks, which includes Common Equity Tier 1 (CET1), Additional Tier 1, and Tier 2 capital.

NIM is calculated as (Interest Income - Interest Expenses) / Average Earning Assets. It measures the bank's core profitability from lending and borrowing operations, crucial for assessing operational efficiency.

As per Basel III, the LCR requirement mandates that banks maintain high-quality liquid assets at least equal to 100% of their net cash outflows over 30 days under stress scenarios.

Cryptocurrencies use blockchain technology for decentralized, peer-to-peer transactions without central bank control. They operate on distributed ledger technology ensuring transparency and security.

Priority Sector Lending (PSL) ensures banks allocate a certain percentage of advances to underserved sectors including agriculture, SMEs, and low-income housing, promoting inclusive growth.