Entrance Exams
Govt. Exams
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.
PMMY provides loans up to ₹10 lakh for micro and small enterprises without requiring collateral.
Growth = (3,54,000 - 3,00,000) / 3,00,000 × 100 = 54,000/3,00,000 × 100 = 18%.
As of late 2024, RBI's repo rate is in the range of 6.25%-6.5% under the current monetary tightening cycle.
After 2 years of EMI payments, the principal balance is reduced. A ₹10 lakh part-payment further reduces this, resulting in less than ₹40 lakh remaining.
SLR is an RBI-specific regulation predating Basel III. Basel III includes CAR, LCR, and NSFR.
Cost-to-Income Ratio = Operating Expenses/Operating Income. 45% means ₹45 spent to generate ₹100 in income, which is relatively good.
As per Basel III implementation in India, RBI requires banks to maintain a minimum LCR of 100%.
Net Profit = ROA × Total Assets = 1.2% × ₹8,00,000 crore = ₹9,600 crore.