Handbook of Financial Awareness PDF

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HANDBOOK OF
FINANCIAL AWARENESS
IN DEX
S .N O. T OPI C P A GE NO.
WWW.FACEBOOK.COM/GA.StayUpdated
INDIAN BANKING SYSTEM
BANK
ROLE OF BANK
FUNCTIONS OF BANK

HISTORY OF BANKING IN INDIA


BANK OF BENGAL BANK OF BOMBAY BANK OF MADRAS IMPERIAL BANK OF

(1806) (1840) (1843) INDIA (1921)

BANKING REGULATION ACT, 1949
OBJECTIVE



SOME IMPORTANT FACTS ABOUT BANKING IN INIDA
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M I L E ST O N E S I N I N D I A N B A N K I N G I N D U ST R Y
YEAR MILESTONE
₹
BANKS IN INDIA
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
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P U B L I C SE C T O R B A N K S



STATE BANK OF INDIA
T A G L I N E / SL O G A N S O F S B I
ASSOCIATES OF SBI
M A J O R SU B SI D I A R I E S O F SB I
SBI JOINT VENTURES AT A GLANCE
NATIONALIZED BANKS IN INDIA
₹ ₹
OBJECTIVE OF BANKS NATIONALIZATION
1 S T P H A SE O F N A T I O N A L I Z A T I O N

 ₹
2 N D P H A SE O F N A T I O N A L I Z A T I O N

₹

A D V A N T A G E S & D I SA D V A N T A G E S O F N A T I O N A L I Z A T I ON OF B A N K S
ACHIEVEMENTS AFTER NATIONALIZATION OF BANKS
I N SU R A N C E J O I N T V E N T U R E S O F N A T I O N A L I Z E D B A N K S
M U T U A L F U N D J O I N T V E N T U R E S O F N A T I O N A L I SE D B A N K S
O T H E R P U B L I C SE C T O R B A N K S
P R I V A T E SE C T O R B A N K S
 ₹
O L D P R I V A T E SE C T O R B A N K S
N E W P R I V A T E SE C T O R B A N K S
JOINT VENTURES OF PRIVATE SECTOR BANKS
FOREIGN BANKS
₹
MAJOR FOREIGN BANKS OPERATING IN INDIA
REGIONAL RURAL BANKS
₹
CO-OPERATIVE BANKS
LOCAL AREA BANKS
PAYMENTS BANK

 ₹










Do’s Don’ts
L I ST O F P A Y M E N T S B A N K S
TAGLINES
SMALL FINANCE BANKS





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
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L I ST O F SM A L L F I N A N C E B A N K S
MAJOR MERGERS IN INDIAN BANKING INDUSTRY
POINTS TO REMEMBER






₹
RESERVE BANK OF INDIA
L I ST O F M A J O R C E N T R A L B A N K I N G E N T I T I E S
F A C T SH E E T
RBI IS MADE UP OF
R E SE A R C H I N S T I T U T E S O F R B I
RBI’S TRAINING CENTRES
S U B SI D I A R I E S O F R B I
N A T I O N A L H O U SI N G B A N K [ N H B ]
D E P O SI T I N S U R A N C E & C R E D I T G U A R A N T E E C OR P O R A T I ON [ D I C G C ]
₹
₹
B H A R A T I Y A R E SE R V E B A N K N O T E M U D R A N P R I V A T E L I M I T E D [ B R B N M P L ]
CENTRAL BOARD OF DIRECTORS OF RBI
MAIN ACTIVITIES OF RBI
MONETARY AUTHORITY



MONETARY POLICY COMMITTEE [MPC]
I S SU E R O F C U R R E N C Y
M I N I M U M R E SE R V E SY S T E M
₹
₹
C U R R E N C Y C H E ST
CLEAN NOTE POLICY



₹
₹ ₹
₹ ₹ ₹
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C U R R E N C Y P R I N T I N G P R E S SE S I N I N D I A


COIN MINTS IN INDIA
BANKER AND DEBT MANAGER TO GOVERNMENT
BANKER TO BANKS
R E G U L A T O R O F B A N K I N G S Y ST E M




M A N A G E R O F F O R E I G N E X C H A N G E R E SE R V E S
M A I N T A I N I N G F I N A N C I A L ST A B I L I T Y
C U ST O M E R SE R V I C E
B A N K I N G C O D E S A N D ST A N D A R D S B O A R D O F I N D I A [ B C S B I]
B A N K I N G O M B U D SM A N [ B O ]
₹
RBI’S MONETARY POLICY
CREDIT CONTROL





METHODS OF CREDIT CONTROL
QUANTITATIVE CREDIT CONTROL METHODS
C A SH R E SE R V E R A T I O [ C R R ]
S T A T U T O R Y L I Q U I D I T Y R A T I O [ SL R ]



B A N K R A T E / R E D I SC O U N T R A T E
LIQUIDITY ADJUSTMENT FACILITY [LAF]
REPO RATE
R E V E R SE R E P O R A T E
OPEN MARKET OPERATIONS [OMO]
M A R G I N A L ST A N D I N G F A C I L I T Y [ M SF ]
M A R K E T ST A B I L I Z A T I O N SC H E M E [ M S S]


QUALITATIVE CREDIT CONTROL METHODS
M A R G I N A L C O S T O F F U N D S B A SE D L E N D I N G R A T E [ M C L R ]
PROMPT CORRECTIVE ACTON [PCA]





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




REGULATORY AUTHORITIES IN INDIAN FINANCIAL SYSTEM
R E SE R V E B A N K O F I N D I A [ R B I ]
S U B SI D I A R I E S O F R B I
MAIN ACTIVITIES OF RBI
S E C U R I T I E S & E X C H A N G E B O A R D OF I N D I A [ SE B I ]
F U N C T I O N S O F SE B I
S E B I C O M P L A I N T S R E D R E S S S Y S T E M [ SC O R E S]
N A T I O N A L I N ST I T U T E O F SE CU R I T I E S M A R K E T [ N I SM ]
I N SU R A N C E R E G U L A T O R Y & D E V E L OP M E N T A U T H OR I T Y OF I N D I A [ I R D A I ]
OBJECTIVES OF IRDAI
P E N SI O N F U N D R E G U L A T O R Y & D E V E L O P M E N T A U T H O R I T Y [ P F R D A ]


IMPORTANT FINANCIAL ORGANIZATIONS IN INDIA & THEIR HEADQUARTERS
L I F E I N SU R A N C E C OR P O R A T I O N O F I N D I A [ L I C ]



G E N E R A L I N SU R A N C E C OR P OR A T I ON [ G I C ]



N A T I O N A L B A N K F O R A G R I C U L T U R E A N D R U R A L D E V E L OP M E N T [ N A B A R D ]

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CREDIT INFORMATION BUREAU OF (INDIA) LIMITED [ CIBIL]



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CREDIT RATING AGENCY [CRA]
B OM B A Y S T OC K E X C H A N G E [ B SE ]




N A T I ON A L ST OC K E X C H A N G E [ N SE ]



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MICRO UNITS DEVELOPMENT & REFINANCE AGENCY [MUDRA]

 ₹
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S E C U R I T Y P R I N T I N G & M I N T I N G C OR P O R A T I ON O F I N D I A L I M I T E D [ S P M C I L ]


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S M A L L I N D U ST R I E S D E V E L O P M E N T B A N K O F I N D I A [ SI D B I ]


I N D U ST R I A L F I N A N C E C O R P OR A T I ON O F I N D I A [ I F C I ]


DIFFERENT TYPES OF BANKING ACTIVITIES
DIFFERENT TYPES OF BANK ACCOUNTS
SAVINGS BANK ACCOUNT DEPOSIT



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 ₹
C U R R E N T A C C O U N T D E P O SI T


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

SAVINGS BANK ACCOUNT VS CURRENT ACCOUNT
B A SI C SA V I N G S B A N K D E P O SI T A C C O U N T ( B S B D A )




B S B D A - SM A L L
 ₹
 ₹
 ₹
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F I X E D D E P O SI T A C C O U N T



R E C U R R I N G D E P O SI T A C C O U N T / C U M U L A T I V E D E P O SI T A C C OU N T


F I X E D D E P O SI T A C C O U N T V S R E C U R R I N G R E P O SI T A C C OU N T
D E M A N D D E P O SI T A C C O U N T V S T E R M D E P O SI T A C C OU N T
F O R E I G N C U R R E N C Y N O N R E SI D E N T ( F C N R ) A C C OU N T

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N O ST R O A C C O U N T


V O ST R O A C C O U N T


LORO ACCOUNT
N O N R E SI D E N T E X T E R N A L [ N R E ] A C C O U N T



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N O N R E SI D E N T O R D I N A R Y [ N R O ] A C C O U N T


NRE ACCOUNT Vs NRO ACCOUNT
NOMINATION FACILITY






DIFFERENT MODES OF CHARGING SECURITIES
M O D E S O F C H A R G I N G SE C U R I T I E S
A S SI G N M E N T
PLEDGE
HYPOTHECATION


MORTGAGE


LIEN
SET-OFF


APPROPRIATION
D I F F E R E N C E B E T W E E N P L E D G E , H Y P O T H E C A T I ON & M O R T G A G E
R E V E R SE M O R T G A G E L O A N



T E A SE R H O M E L O A N
H I R E P U R C H A SE
NON PERFORMING ASSET [NPA]
A S SE T C L A S SI F I C A T I O N
P R O V I SO N I N G N O R M S


TYPES OF NPA





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C A U SE S O F R I SI N G N P A s
I M P A C T S O F R I SI N G N P A s
M E A SU R E S T O C O N T R O L N P A s




₹
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 ₹
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BASEL NORMS
B A N K F O R I N T E R N A T I O N A L SE T T L E M E N T [ B I S]
B A SE L C O M M I T T E E O N B A N K I N G SU P E R V I SI O N [ B C B S ]
B A SE L – I N O R M S
B A SE L – I I N O R M S
𝐓𝐢𝐞𝐫 − 𝐈 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 + 𝐓𝐢𝐞𝐫 − 𝐈𝐈 𝐂𝐚𝐩𝐢𝐭𝐚𝐥
𝐂𝐚𝐩𝐢𝐭𝐚𝐥 𝐀𝐝𝐞𝐪𝐮𝐚𝐜𝐲 𝐑𝐚𝐭𝐢𝐨 [𝐂𝐀𝐑] =
𝐑𝐢𝐬𝐤 𝐖𝐞𝐢𝐠𝐡𝐭𝐞𝐝 𝐀𝐬𝐬𝐞𝐭𝐬


B A SE L I V S B A SE L I I
B A SE L – I I I N O R M S




MAJOR IT INITIATIVES IN BANKING INDUSTRY
C O R E B A N K I N G SO L U T I O N [ C B S ]
AUTOMATED TELLER MACHINE [ATM]
N A T I O N A L F I N A N C I A L SW I T C H [ N F S]


TYPES OF ATMS
₹
C A SH D E E P O SI T M A C H I N E [ C D M ]
P O I N T O F SA L E [ P O S]
E L E C T R O N I C C L E A R I N G SE R V I C E [ E C S ]
N A T I O N A L E L E C T O N I C F U N D S T R A N SF E R [ N E F T ]
R E A L T I M E G R O S S SE T T L E M E N T [ R T G S ]
NEFT VS RTGS
I M M E D I A T E P A Y M E N T SE R V I C E [ I M P S ]
UNIFIED PAYMENT INTERFACE [UPI]
A A D H A A R E N A B L E D P A Y M E N T S Y ST E M [ A E P S]
A A D H A A R P A Y M E N T B R I D G E SY S T E M [ A P B S ]
N A T I O N A L U N I F I E D U S SD P L A T F O R M [ N U U P ] * 9 9 #
M O N E Y T R A N S F E R SE R V I C E SC H E M E [ M T S S]
C H E Q U E T R U N C A T I O N S Y ST E M [ C T S]
TERMINOLOGY ASSSOCIATED WITH CHEQUE
B H A R A T B I L L P A Y M E N T SY S T E M [ B B P S]
CAPITAL MARKET PRODUCTS
CAPITAL MARKET
S H A R E / ST O C K
₹ ₹
PRIMARY MARKET
INITIAL PUBLIC OFFER [IPO]





₹
A P P L I C A T I O N SU P P O R T E D B Y B L O C K E D A M O U N T [ A S B A ]
FOLLOW-ON PUBLIC OFFER
O F F E R F O R SA L E
IPO VS FPO
SECONDARY MARKET
P R I M A R Y M A R K E T V S SE C O N D A R Y M A R K E T
STOCK EXCHANGES
B O M B A Y S T O C K E X C H A N G E [ B SE ]
N A T I O N A L ST O C K E X C H A N G E [ N SE ]
M E T R O P O L I T A N ST O C K E X C H A N G E [ M SE ]
B SE – N SE - M SE
DEMAT ACCOUNT
D E P O SI T O R Y


I N T E R N A T I O N A L SE C U R I T I E S I D E N T I F I C A T I O N N U M B E R [ I SI N ]


A N I M A L S O F ST O C K M A R K E T
MAJOR GLOBAL INDICESS
DIVIDEND
FACE VALUE [FV]
P R E F E R E N C E SH A R E
A M E R I C A N D E P O SI T O R Y R E C EI P T / G L O B A L D E P O SI T OR Y R E C E I P T / I N D I A N D E P O SI T OR Y R E C E I P T
F O R E I G N I N S T I T U T I O N A L I N V E ST O R [ F I I ]
PARTICIPATORY NOTE [P – NOTE]
MUTUAL FUND
HISTORY
FACT SHEET
ADVANTAGES & DISADVANTAGES
FRAMEWORK FOR MF ESTABLISHMENT
TYPES OF MUTUAL FUND (BY STRUCTURE)

MF BY STRUCTURE
OPEN ENDED FUND
CLOSE ENDED FUND
INTERVAL FUND
OPEN ENDED FUND
CLOSED ENDED FUND
INTERVAL FUND
OPEN ENDED FUND VS CLOSE ENDED FUND
NEW FUND OFFER (NFO)
TYPES OF MUTUAL FUND (BY NATURE)
GROWTH / EQUITY FUND

MF BY NATURE
INCOME / DEBT FUND
BALANCED FUND
GROWTH / EQUITY MUTUAL FUND
INCOME / DEBT MUTUAL FUND
BALANCED FUND
N E T A S SE T V A L U E ( N A V )


ENTRY / EXIT LOAD




R E D E M P T I O N / R E P U R C H A SE P R I C E
S Y S T E M A T I C I N V E S T M E N T P L A N ( SI P )


ADVANTAGES OF SIP
E Q U I T Y L I N K E D SA V I N G S SC H E M E ( E L S S )



MAJOR MERGERS IN INDIAN MUTUAL FUND INDUSTRY
TARGET COMPANY ACQUIRED BY
EXCHANGE TRADED FUND (ETF)
S E C U R I T I E S & E X C H A N G E B O A R D O F I N D I A [ SE B I ]
MAJOR CAPITAL MARKET REGULATORS AROUND THE WORLD
MAJOR COMMODITY EXCHANGES IN INDIA
MINIMUM CAPITAL REQUIREMENT LIMITS
MONEY MARKET PRODUCTS
CALL MONEY / NOTICE MONEY / TERM MONEY
T R E A SU R Y B I L L S [ T - B I L L S ]
₹ ₹
C E R T I F I C A T E O F D E P O SI T [ C D ]
FEATURES
₹ ₹
COMMERCIAL PAPER [CP]
FEATURES
₹ ₹
BANKER’S ACCEPTANCE [BA]
R E P U R C H A SE A G R E E M E N T
MONEY MARKET VS CAPITAL MARKET
PRIORITY SECTOR LENDING
P R I O R I T Y SE C T OR S
T A R G E T S & SU B - T A R G E T S SE T U N D E R P R I O R I T Y SE C T OR L E N D I N G ( P SL )

ADJUSTED NET BANK CREDIT
OFF BALANCE SHEET ITEMS


NOTE
P R I O R I T Y SE C T O R L E N D I N G C E R T I F I C A T E ( P SL C )

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
IMPORTANT CODES / NUMBERS USED IN FINANCIAL SYSTEM
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I M P C O D E S / N U M B E R S U SE D I N F I N A N C I A L S Y ST E M - A T A G L A N C E
INFLATION
STAGES OF INFLATION
C A U SE O F I N F L A T I O N
D E M A N D SI D E I N F L A T I O N

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S U P P L Y SI D E I N F L A T I O N

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M E A SU R E S O F I N F L A T I O N
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W H O L E SA L E P R I C E I N D E X ( W P I )

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C O N SU M E R P R I C E I N D E X ( C P I )

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IMPACTS OF INFLATION
GOVERNMENT OF INDIA SCHEMES RELATED TO FINANCE
PRADHAN MANTRI JAN DHAN YOJANA [PMJDY]
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA [PMJJBY]


₹
P R A D H A N M A N T R I SU R A K S H A B I M A Y O J A N A [ P M S B Y ]
₹
₹
₹
A T A L P E N SI O N Y O J A N A [ A P Y ]
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S U K A N Y A SA M R I D H I Y O J A N A [ S SY ]
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G O L D M O N E T I Z A T I O N SC H E M E
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S O V E R E I G N G O L D B O N D SC H E M E
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INDIAN GOLD COIN
P R A D H A N M A N T R I F A SA L B I MA Y O J A N A [ P M F B Y ]

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PRADHAN MANTRI MUDRA YOJANA

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₹ ₹
₹ ₹
NITI AAYOG
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T I M E L I N E O F P L A N N I N G C O M M I S SI O N
DEFINITIONS OF DIFFERENT CURRENCIES
INDIAN TAX STRUCTURE
₹ ₹ ₹
₹ ₹
₹ ₹ ₹
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₹
ABBREVIATIONS
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HISTORY OF BANKING IN INDIA

BANK OF BENGAL BANK OF BOMBAY BANK OF MADRAS IMPERIAL BANK OF

BANKING REGULATION ACT, 1949

SOME IMPORTANT FACTS ABOUT BANKING IN INIDA

STATE BANK OF INDIA

SBI JOINT VENTURES AT A GLANCE

NATIONALIZED BANKS IN INDIA

ACHIEVEMENTS AFTER NATIONALIZATION OF BANKS

JOINT VENTURES OF PRIVATE SECTOR BANKS

MAJOR FOREIGN BANKS OPERATING IN INDIA

REGIONAL RURAL BANKS

LOCAL AREA BANKS

SMALL FINANCE BANKS

RBI’S TRAINING CENTRES

MAIN ACTIVITIES OF RBI

MONETARY POLICY COMMITTEE [MPC]

CLEAN NOTE POLICY

BANKER AND DEBT MANAGER TO GOVERNMENT

METHODS OF CREDIT CONTROL

QUANTITATIVE CREDIT CONTROL METHODS

LIQUIDITY ADJUSTMENT FACILITY [LAF]

OPEN MARKET OPERATIONS [OMO]

QUALITATIVE CREDIT CONTROL METHODS

MAIN ACTIVITIES OF RBI

CREDIT RATING AGENCY [CRA]

MICRO UNITS DEVELOPMENT & REFINANCE AGENCY [MUDRA]

SAVINGS BANK ACCOUNT DEPOSIT

NRE ACCOUNT Vs NRO ACCOUNT

AUTOMATED TELLER MACHINE [ATM]

UNIFIED PAYMENT INTERFACE [UPI]

TERMINOLOGY ASSSOCIATED WITH CHEQUE

FOLLOW-ON PUBLIC OFFER

MAJOR GLOBAL INDICESS

FACE VALUE [FV]

PARTICIPATORY NOTE [P – NOTE]

ADVANTAGES & DISADVANTAGES

TYPES OF MUTUAL FUND (BY STRUCTURE)

OPEN ENDED FUND

CLOSE ENDED FUND

OPEN ENDED FUND

CLOSED ENDED FUND

NEW FUND OFFER (NFO)

TYPES OF MUTUAL FUND (BY NATURE)

GROWTH / EQUITY FUND

INCOME / DEBT FUND

GROWTH / EQUITY MUTUAL FUND

INCOME / DEBT MUTUAL FUND

ENTRY / EXIT LOAD

TARGET COMPANY ACQUIRED BY

EXCHANGE TRADED FUND (ETF)

MAJOR CAPITAL MARKET REGULATORS AROUND THE WORLD

MINIMUM CAPITAL REQUIREMENT LIMITS

CALL MONEY / NOTICE MONEY / TERM MONEY

MONEY MARKET VS CAPITAL MARKET

ADJUSTED NET BANK CREDIT

OFF BALANCE SHEET ITEMS

PRADHAN MANTRI JAN DHAN YOJANA [PMJDY]

PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA [PMJJBY]

INDIAN GOLD COIN

PRADHAN MANTRI MUDRA YOJANA

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