general awareness with special reference to banking

April 28, 2015

Kisan Credit Card

Kisan Credit Card scheme was introduced by NDA Government in August 1998 with the aim to provide adequate and timely short-term credit needs of farmers during the cropping season.

April 27, 2015


Bancassurance or Bank Insurance Model refers to the distribution of the insurance and related financial products by the Banks whose main business is NOT insurance. So, simply Bancassurance, i.e.,

April 27, 2015

What is Asset Liability Mismatch?

Asset Liability Mismatch or ALM is considered to be a comprehensive and dynamical framework for measurement, monitoring and managing the market risk of the Banks. Asset Liability Mismatch arises

April 27, 2015

India’s Credit Rating Agencies

The Credit rating market taken a definite shape in India after the SEBI made it mandatory for any debenture that has maturity of more than 18 months maturity. There

April 27, 2015

What are Risk Weighted Assets?

The Risk Weighted Assets (RWA) refer to the fund based assets such as Cash, Loans, Investments and other assets.  They are the total assets owned by the Banks, however,

Commercial Papers

Commercial Paper (CP) is yet another money market instrument in India, which was first introduced in 1990 to enable the highly rated corporates to diversify their resources for short

March 17, 2015

Universal Banking

Universal banking is a system of banking where banks undertake a blanket of financial services like investment banking, commercial banking, development banking, insurance and other financial services including functions

Priority Sector Lending

Priority sector was first properly defined in 1972, after the National Credit Council emphasized that there should be a larger involvement of the commercial banks in the priority sector. The sector

March 16, 2015

Current Targets in Priority Sector Lending

As of March 2015, the domestic banks and foreign banks with 20 and more branches have to disburse 40% of the Net Bank Credit (NBC) to Total Priority sector,

March 15, 2015

Number of Branches and ATMs in India

The following table shows the number of the commercial bank branches in India as of March 2013. No. of branches of Scheduled Commercial Banks as on 31st March, 2013