PMMY aims to provide collateral-free loans to micro and small enterprises through banks, supporting the growth of small businesses and self-employment.

NIM = (Net Interest Income / Total Assets) × 100. Therefore, NII = (2.8/100) × 5,00,000 = ₹14,000 crores

The RBI's Financial Stability Report focuses on asset quality, capital adequacy, profitability, and liquidity. Customer Satisfaction Index is not part of the formal FSR framework.

EAR = (1 + r/n)^n - 1 = (1 + 0.085/4)^4 - 1 = (1.02125)^4 - 1 ≈ 0.0882 or 8.82%

Section 24 of the Banking Regulation Act, 1949 mandates the maintenance of SLR, which is currently set at 18% of NDTL as per RBI guidelines.

CAR = (Tier 1 + Tier 2 + Tier 3 Capital) / Risk-Weighted Assets. Basel III requires minimum CAR of 10.5% (including capital conservation buffer) for Indian banks.

A Cost-to-Income ratio of 42% is considered healthy (lower is better). Ratios above 50% indicate inefficiency. This suggests the bank is controlling costs well relative to its income.

The IBC, 2016 is a comprehensive legislation applicable to individuals and corporates. It mandates a resolution within 180 days (extendable to 270 days) through a structured process involving creditors, including banks.

The RBI's Digital Rupee (CBDC) aims to offer a digital alternative for payments and settlements while maintaining physical currency circulation. It enhances payment efficiency and financial security.

ROE = (Net Profit / Equity Capital) × 100. Therefore, Net Profit = (18 × 5,000) / 100 = ₹900 crores