Return on Assets (ROA) measures how efficiently a bank uses its assets to generate profit. It's calculated as Net Income / Total Assets.

The Statutory Liquidity Ratio is currently maintained at 19.5% of net demand and time liabilities, as per RBI guidelines.

Cash Credit is a short-term credit facility provided to businesses for meeting their working capital requirements on a revolving basis.

PSL mandates banks to lend a certain percentage of advances to priority sectors like agriculture, SMEs, and education for inclusive growth.

Capital Adequacy Ratio (CAR) is a regulatory requirement ensuring banks maintain sufficient capital to absorb potential losses from their risk-weighted assets.

A higher NPA ratio indicates that a larger portion of the bank's loans are in default or arrears, reflecting deteriorating asset quality and credit risk.

SEBI (Securities and Exchange Board of India) regulates and develops the securities market, protecting investor interests and ensuring fair market practices.

Bajaj Finance Limited is an NBFC that provides financial services like loans and deposits but doesn't have a banking license like commercial banks.

RBI mandates a minimum CRAR of 10.5% for scheduled commercial banks under Basel III framework, which includes capital buffers and conservation requirements.

Goldman Sachs is an investment bank, not a credit rating agency. CRISIL, ICRA, Care Ratings, and Brickwork Ratings are recognized credit rating agencies by SEBI.