Entrance Exams
Govt. Exams
SI = (P × R × T) / 100 = (20,00,000 × 10.5 × 3) / 100 = ₹6,30,000. Total = ₹20,00,000 + ₹6,30,000 = ₹26,30,000. (Note: Verify option - should be ₹26,30,000 for correct answer)
As per RBI's latest monetary policy (2024), the reverse repo rate is set at 4.35%, 100 basis points below the repo rate of 6.5%.
Higher LTD ratio (85%) means more advances relative to deposits, increasing credit exposure and potential liquidity risk, though showing aggressive lending strategy.
SDS mandates standardized submission of regulatory and prudential returns in structured digital format for better data quality and analysis.
Lower Cost-to-Income ratio (48% vs 52%) means lower operating costs relative to operating income, indicating better operational efficiency.
DICGC provides deposit insurance coverage of ₹5,00,000 per depositor per bank (increased from ₹1,00,000 in 2020).
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.
Provision made: ₹6 crore (charged as loss). Recovery: ₹2 crore (credited to P&L). Net impact: ₹2 crore gain (recovery > provision reversal applicable).
RBI mandates 18% of net bank credit to agriculture sector as part of Priority Sector Lending guidelines for 2024.