CRR What is Cash Reserve Ratio & how does it works? RBI Raised CRR by 50 basis points to 4 5%

Before settling on the LTV,mortgage loanlenders check parameters like your age, current financial obligations and credit score. The greater the number of working years you have, the better are your chances of getting a large loan amount and a lengthy tenor too. Similarly, you should have a low debt-to-income ratio, under 50%, to get a high Loan against Property comfortably.

• Balance of Payments data represented in the table is as per BPM6 i.e. the sixth edition of the Balance of Payments and International Investment Position Manual.
• Average daily turnover data presented in this tables are in US $ million.
• Is the sum of development loans of Centre and States minus loans to States.
• The Index of Industrial Production is a quantitative index, the production of the items being expressed in physical terms.
• Banks may note that the list is only indicative and SLBCs are free to put any additional information considered relevant for the State.

Block Level Bankers’ Committee is a forum for achieving coordination between credit institutions and field level development agencies at the block level. The forum prepares and reviews the implementation of the Block Credit Plan and also resolves operational problems in the implementation of the credit programmes of banks. The Lead District Manager of the coo salary in india district is the Chairman of the Block Level Bankers’ Committee. To strengthen the BLBC forum which operates at the base level of the Lead Bank Scheme, it is necessary that all branch managers attend BLBC meetings and enrich the discussions with their valuable inputs. Controlling Heads of banks may also attend a few of the BLBC meetings selectively.

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A part of the expenditure relates to essential functions of the state e.g. defence, internal security, external affairs and revenue collection. The Union Government Accounts at a Glance provides a summarized view of the financial performance of the Union Government as released by the Controller General of Accounts on a monthly basis. The weighting diagram for the WPI series has been derived on the basis of Gross Value of Output . The output values at current prices, wherever available at appropriate disaggregation, have been obtained from the National Accounts Statistics published by the Central Statistics Office, Ministry of Statistics & Programme Implementation.

The securities in the CSGL account are held on behalf of its clients, who, in turn, maintain gilt accounts or demat accounts with the CSGL account holder. For identifying the final beneficiaries in CSGL accounts, the data is compiled from custodians banks/PDs who are holding CSGL accounts. For the category relating to PDs, the holdings are compiled from PDR-IV return for Non-bank PDs, and from PDR II return for bank PDs. Data on ownership of Central and State Government Securities are compiled on quarterly basis (outstanding at end-March, June, September, December) and published in the Bulletin table. The financial account reflects net acquisition and disposal of financial assets and liabilities during a period.

Denotes aid extended by India to other foreign Governments under various agreements and repayment of such loans. The item relates to receipts and payments on government account not included elsewhere as well as receipts and payments on account of maintenance of embassies and diplomatic missions and offices of international institutions. The 6 and 36 currency CPI based REER index https://1investing.in/ uses a 3-year moving average trade weights with a view to suitably reflect the dynamically changing pattern of India’s foreign trade with its major trading partner countries. In order to calculate the weights, the geometric average of India’s bilateral trade with countries/regions represented by the 6 currencies/ 36 currencies during the preceding three years has been taken.

​CASA ratio

Bankers’ Deposits with the RBI represent balances maintained by banks in the current account with the RBI mainly for maintaining Cash Reserve Ratio and as working funds for clearing adjustments. L1 NM3 + Post office total deposits L2 L1 + Term deposits with term lending institutions and refinancing Financial institutions + Term borrowing by FIs + Certificates of deposit issued by FIs L3 L2 + Public deposits with non-banking financial companies. Other Deposits with the RBI for the purpose of monetary compilation include deposits from foreign central banks, multilateral institutions, financial institutions and sundry deposits net of IMF Account No.1. Scheduled Commercial Banks maintain balances with the Reserve Bank to meet the Cash Reserve Ratio requirements and as working funds to meet payment and settlement obligations. These accounts are used to operate the remittance facility scheme, grant of financial accommodation, handling of government business, etc.

• Is the combined expenditure on developmental sectors such as education, health, employment, agriculture, infrastructure and transport among others.
• The flow position related to outward remittances under LRS for resident individuals is compiled as per the data furnished by Authorised Dealer banks on monthly basis”.
• Responses to queries from public representatives need to be accorded highest priority and attended to promptly.
• This market was developed for the benefit of the entities, who have either been phased out from inter-bank call money market, or, have been restricted to access the call money market.
• Represent all types of credit facilities such as demand loans, term loans, cash-credits, overdrafts, etc. granted by the State co-operative banks.

Data on Ownership of Central and State Government Securities are compiled on quarterly basis (outstanding at end-March, June, September and December) and published in the Bulletin table. Table provides amount outstanding for both Central and State Government Securities in ₹ Billion and percentage of holding for different investor categories. Table provides data for both Central and State Government Securities for different categories of holders such as the Reserve Bank of India, commercial banks, primary dealers, insurance companies, important Provident Funds, etc.

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SDRs are held by Government of India/RBI and are shown as part of the Foreign Exchange Reserves. Statistics of India’s foreign trade are recorded on the basis of the ‘General system’ of registration, the criterion being the entrance of goods into or their departure from the customs area of control. Owners of this kind of stock are entitled to a fixed dividend to be paid regularly before dividend can be paid on common stock.

At the DCC level, sub-committees as appropriate, may be set up to work intensively on specific issues and submit reports to the DCC for its consideration. In view of the changes that have taken place in the financial sector over the years, the Reserve Bank of India had constituted a “Committee of Executive Directors” of the Bank to study the efficacy of the Scheme and suggest measures for its improvement. Based on the Committee’s recommendations and feedback received from various stakeholders, certain ‘action points’ were issued to SLBC Convenors/Lead Banks and NABARD on April 6, 2018. As of end of FY13, CD ratio for Indian banking industry stood at 78.1%.

​Provisioning coverage ratio

SLBC websites should have a provision to ‘Import/ Upload’ all the data present in the Excel Sheet on the database of the SLBC website. This would obviate any manual ‘data entry’ at the SLBC/ Controlling Office level. A special Block Level Bankers’ Committee meeting is convened for each block where the Branch Credit Plans are discussed and aggregated to form the Block Credit Plan.

• Commercial Paper is an unsecured money market instrument issued in the form of a promissory note.
• Bank Credit includes all types of credit facilities such as cash credit, overdrafts, demand loans, term loans, bills discounted/ purchased and factored receivables.
• Disbursement is the sum of developmental revenue expenditure by Centre and States net of Plan grants to States.
• AD certifies the request after ensuring that the application is covered under automatic route and forwards one physical copy of Form-83 directly to DSIM, for LRN allotment.

Interest paid on Deposits to total Income , Interest paid on deposits to total expenses , Interest Earned to Total Income , Interest Earned to Total expenses, other overheads to total expenses, Interest paid on Borrowings to total Income, are also important ratios. The RBI controls the short-term volatility in the interest rates by adjusting the amount of liquidity available in the system. Too much cash in the economy leads to the RBI raising interest rates to bring down inflation, while the scarcity of cash leads to the RBI cutting interest rates, to stimulate growth in the economy.

With a view to providing retail investors, who may lack skill and knowledge about G-Sec market or who have low demand and to enable them to participate in the auction directly, the scheme of NCB in dated securities was introduced in January 2002. NCB is open to individuals, HUFs, RRBs, co-operative banks, firms, companies, corporate bodies, institutions, provident funds, and trusts. Under the scheme, eligible investors apply for a certain amount of securities in an auction without mentioning price/yield.

Banks, Financial Institutions, Insurance companies, mutual funds, primary dealers, NBFCs, Corporates, Provident/pension funds etc. are the participants of CBLO market. The members required to open an account for depositing securities which are offered as collateral/margin for borrowing and lending. Eligible securities are central government securities including treasury bills. Yearly data given in the table is average of all weeks during the year. The data on outstanding bank credit to different sectors of the economy are useful for analysing the allocation of credit, portfolio shifts, linkages with the other macroeconomic variables and providing inputs for policy making.

Loan to value calculator FAQs

Analysis of financial reports requires skill of mathematics, accountancy as well as statistical tools. But there are some basic ratios which can be helpful for a layman also to analyze the Balance Sheet, Profit & Loss A/C of a company or a bank. Just upload your form 16, claim your deductions and get your acknowledgment number online. You can efile income tax return on your income from salary, house property, capital gains, business & profession and income from other sources. Further you can also file TDS returns, generate Form-16, use our Tax Calculator software, claim HRA, check refund status and generate rent receipts for Income Tax Filing. The Cash Reserve Ratio serves as one of the reference rates when determining the base rate.

The core indicators of real sector are given in the form of percentage change (Y-o-Y). Data for these indicators are available on quarterly basis and being updated as and when data are released by source. This Guide gives various data items and linkage among different tables, which will be helpful in enhancing the understanding of the data.

Rupee coin relates to quaternary rupee, nickel and cupro-nickel rupees, decimal rupee coins and Government of India one rupee notes, which are treated as rupee coin. Mahatma Gandhi Centenary Ten Rupee Silver Coins issued in October 1969, World Food and Agriculture Organisation Commemorative Ten Rupee Silver Coins issued in October 1970, and Independence Day Silver Jubilee Ten Rupee Coins issued in August 1972 are also considered as rupee coins. (₹ Per Foreign Currency) represents reference rate of last working day of the respective months. Similarly, yearly reference rates relates to last working day of the March. Reserve money and broad money growth rates (Y-o-Y) has been presented in this table. Comprises of construction, trade, hotels, transport, communication and services related to broadcasting, financial, real estate and professional services, and public administration, defence and other services.