TESTBOOK GK POWER CAPSULE Ultimate-Banking-Awareness-Booster-Capsule-for-SBI-PO-Clerk-Mains-2018

ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Table of Contents
1. List of Applications and Schemes launched by banks ............................................ 4

2. New Indian Currency Notes ................................................................................... 6
3. Types of Risks in Banks .......................................................................................... 7
4. Commercial, Small and Payments Banks ............................................................... 7
5. Abbreviations ......................................................................................................... 9
6. Types of Banking................................................................................................... 10
7. Securities................................................................................................................11
8. List of Mergers in Indian Banking Industry ........................................................... 13
9. Digital Banking ...................................................................................................... 14
10. Electoral Bonds .................................................................................................... 18
11. Electronic Fund Transfer at Point of Sale ............................................................. 18
14. KYC...................................................................................................................... 21
15. Important Financial Institutions ......................................................................... 22
16. Important Acts ................................................................................................... 23
17. Monetary Policies ............................................................................................... 24
19. Types of Loans .................................................................................................... 26
20. Banking Ombudsman Scheme ........................................................................... 27
21. Money Market .................................................................................................... 27
22. Negotiable Instruments Act 1881 ........................................................................ 27
23. Endorsements .................................................................................................... 29
24. Financial Inclusion .............................................................................................. 29
25. Capital Market .................................................................................................... 31
26. Basel Norms ....................................................................................................... 33
27. List of International Airports in India .................................................................. 33
28. List of Revolutions in India ................................................................................. 35
29. Indian & International Bank Taglines.................................................................. 35
30. Union Cabinet Ministers & their Constituency .................................................. 37
31. Census 2011 ........................................................................................................ 38
32. List of Important Rivers on Cities ...................................................................... 40
33. List of Major Ports in India ................................................................................ 40

34. Major Atomic/Thermal/Hydro Power Plants ...................................................... 41
35. List of upcoming Sports Venues ........................................................................ 43
36. List of Newly Appointed National Officials ....................................................... 44
37. National Parks & Wildlife Sanctuaries ................................................................ 45
38. Important Days .................................................................................................. 47
39. Joint Military Exercises ...................................................................................... 48
40. Reports & Indices ............................................................................................... 49
41. Classical Folk Dances ......................................................................................... 50
42. Stock Exchanges Around the World ................................................................... 51
43. Nick Names of Cities ......................................................................................... 51
44. Currency Printing & Coin Minting in India .......................................................... 51
45. Important Terms ................................................................................................ 52
46. International Organisations & Headquarters ..................................................... 54
47. Rivers, Dams & States ........................................................................................ 55
48. Famous Temple ................................................................................................. 56
49. Stadiums in India................................................................................................ 57
50. Boundary Lines ................................................................................................. 58
1. List of Applications and Schemes launched by banks
Bank Scheme and Apps farmers through which

farmers can avail credit
AIRTEL + Airtel Money upto 250 lakh for a
Axis Bank maximum term of 5
years. Card is also giving
Axis Bank Power Salute: Banking benefit of insurance
Offers exclusive to Defence coverage of upto Rs
Personnel link 50000/-
Bank of India IMT or Instant Money

machine learning led Transfer: to send payments
chatbot to carry out /cash withdrawal approvals
transactions based on through banks/ATMs using
conversations. link mobile number & secret
code. Receiver need not be
Asha Home Loans: Tailor-
BOI account holder.
made for people buying
their 1st homes.
C
Kisan Card: Credit card for
1980s.
farmers.
Bank of
Maharashtra
App which is a Digital
there is no TDS on interest
Wallet with payments,
earned by the depositor in
banking and shopping
Recurring Deposits.
facilities.
Canara Bank MWallet-enables you to
Based on mobile banking
view wallet balances, ATM
transaction Axis Bank top
Locator, Branch Locator,
the chart by the value of
transaction accounting transfer funds between
17.2% of the total mobile accounts to wallet and
banking transaction wallet to wallet within the
according to SBI annual bank
report.
Citi Bank Introduced voice biometrics
Axis bank has currently
launched credit card for authentication system for
its phone banking clients,
replacing current practice director effective for a

of interactive voice period of 3 years.
response.
ICICI + M-Pesa
Launched instant chat Vodafone
services for its customers
named Citibank Online. It is Karnataka KBL Suraksha: Personal
first such customer support Bank accident insurance scheme
service in India by a Bank. for savings bank account -
holders
HDFC Chatbot service OnChat. It

allows users to make Karnataka Bank has
payments through launched KBL- Deposit
Facebook Messenger Only Card for their
Current account or
overdraft customer
IRA (Intelligent Robotic which will help them in
hassle free cash deposit
its Mumbai branch transaction at the bank.
Kerala FI@School Program:

Pragati for low income Gramin Bank Propagates financial
group families literacy among school
children
The Union Cabinet has
approved the proposal Kotak KayPay: Facebook-based
for grant of permission to Mahindra funds transfer platform
the HDFC bank to raise Bank
additional share capital
of up to a maximum of Kotak Bharat - mobile
24,000 crore rupees. banking app
ICICI EazyPay App for merchants.

It allows all in one Punjab Contactless Credit Card
acceptance payments National Wave N Pay (on Visa
Bank Platinum platform), for
platform
transactions up to INR 2000
Scheme RBL Bank

exclusively for GOLF
LOVERS
with American Express ayment Bridge
ticket microfinance loan

Student Travel Card disbursement
ICICI Bank has appointed SBI MobiCash Mobile Wallet, in

Girish Chandra
association with Bharat
Chaturvedi as an
additional (independent)
Sanchar Nigam Limited

(BSNL). under the category Best
Expectation
Management (Mid Cap)
Boutique Financing for the financial-year
SCHEME 2017-18.
Vijaya Bank 3 innovative apps - Bank of Bank of Baroda has given

Baroda the direction to IT majors
VPAYQWIK, Vijaya *99#
IBM & Accenture to
and VeConnect+
create an IT Centre of
Excellence (ITCoE) and
Yes Bank Analytics Centre of
mobile banking app with Excellence (ACoE) as part
multiple more features and
support for banking use technology to drive
transactions on Apple and growth.
Android based Smart
IDBI Bank Mr B Sriram has been
Watches
appointed as the IDBI
Bank's CEO and
Managing Director (MD)
allows any account holder for three months.
to do money transfers, pay
The Insurance Regulatory
utility bills and other mobile
Development Authority
banking services, without
of India (IRDAI) has
any smart phones or allowed Life Insurance
internet, based on sim Corporation of India (LIC)
sleeve technology to invest up to 51% in IDBI
Bank.
Unique Customizable
PayTM Paytm introduced
Savings Account to enable
automatic recurring
customers to design an
payments, a new feature
account as per their that lets users configure
convenience the payments app to pay
for periodic recurring
Corporation Corporation Bank. has expenses automatically
Bank obtaine
2. New Indian Currency Notes
Curren Dimensi Motifs/Des Colour 200 66x146 Sanchi Bright

cy ons ign Stupa Yellow
Notes (mm)
500 44x150 Red Fort Stone
50 66x135 Hampi Fluoresc Grey
with ent Blue
Chariot
2000 66x166 Mangalyaa Magenta

n
3. Types of Risks in Banks
in on or off-balance sheet positions that

arise from movement in market prices.
Market risk is the most prominent for
banks present in investment banking.
Basel Committee on Banking Supervision

defines Operational Risk
Fig: Types of Risks loss resulting from inadequate or failed
internal processes, people & systems or
Credit risk usually occurs when there is from external events. Operational risk, the
not enough income or failure in business. risk in all banking transactions.
values before default that arises from the Liquidity Risk is the risk of a bank not
deterioration in a portfolio or an being able to have enough cash to carry
out its day-to-day operations.
Reputational Risk happens when banks

RBI has announced to set up a Public
Credit Registry Which will contain
information on all borrowers to ensure
standing that occurs due to some dubious
financial stability. This will be headed
actions taken by the bank.
by Yashwant M Deosthalee. To
examine the setup of Asset
Business Risk is the risk arising from a
Reconstruction Company, A
-term business strategy. It
committee has been set up chaired by
deals with a bank not being able to keep
Sunil Mehta for faster resolution of
up with changing competition dynamics,
stressed assets of Public Sector Banks
losing market share over time, & being
closed or acquired.
Basel Committee on Banking Supervision
defines Market Risk as the risk of losses
4. Commercial, Small and Payments Banks
Commercial Banks
Similarly, no limit on on deposits from
No restrictions on providing products, customers.
services and functions to customers.
Can provide personal loan, home loans,

For Initial 3 Its scope includes
etc. and can issue credits and debit cards.
years, 25% payment/remittanc
Can invest money they collect in form of branches es only, Including
deposits in open markets. must be in cross-border
Can provide foreign exchange services at rural areas remittances.
charges decided by them. to tap those
areas and Indian Post,
Small Finance Banks & Payments Business
50% of the
Banks: Correspondents,
loans be
given to Retail chains,
MSME Telecom
Small Finance Payments Banks
sector. Companies, etc are
Bank
eligible to apply.
Its scope
includes They can issue
Can accept Can take only
deposit and debit card. But
all types of savings and current
loans
deposit deposit and not FD
cards.
& RD
Professiona
They can
ls with 10
provide
years in
loans loans. They can
financial
through
services or
money in
promoter
money to Government
group with
their securities (G-sec)
5-year track
customers. only..
record are
Target Target customers eligible to
customers are poor, migrants, apply for
are MSME unorganized licence.
businessme workers wanting to Large
n, send remittances companies
unorganize home.
d workers,
Maximum balance Can issue
small and
per customer can both debit
marginal
be Rs.1 lakh and credit
farmers.
cards.
Jio Payment Bank Mumbai

List of Payment Banks along with its
headquarters:
Airtel Payment Bank New Delhi
Bank HQs
Cholamandalam Distribution Chennai
Services Limited
Aditya Birla Nuvo Limited- Gujarat
Veraval Department of Posts (IPPB) New Delhi
Aditya Birla Idea Payments Mumbai
Bank Fino PayTech Limited Navi
Mumbai
National Securities Depository Mumbai Janalakshmi Bengaluru

Limited Financial Services
Private Limited
Reliance Industries Mumbai
Equitas Holdings P Chennai
Limited
Vodafone m-pesa Limited Mumbai
ESAF Microfinance Registered Office-
& Investments Chennai, Corporate
Paytm Payment Bank Noida Private Ltd Office- Thrissur
(Kerala)
RGVN (North East) Guwahati

List of Small Finance Banks along with its
Microfinance
headquarters:
Limited
Bank HQs Suryoday Micro Navi Mumbai

Finance Private
Ltd.
Au Financiers Jaipur
(India) Ltd. Ujjivan Financial Bengaluru
Services Private
Capital Local Area Jalandhar Ltd.
Bank Ltd.,
Jalandhar Utkarsh Micro Varanasi
Finance Private
Disha Microfin Ahmedabad Ltd.
Private Ltd.,
5. Abbreviations
• AAY: Antyodaya Anna Yojana • e-NAM: Electronic National

• CAA&A: Controller of Aid Accounts & Agriculture Market
Audit • EPCG: Export Promotion on Capital
• CFPI: Consumer Food Price Index Goods
• CIRP: Corporate Insolvency • FSLRC: Financial Sector Legislative
Resolution Process Reforms Commission
• CLSS: Credit Linked Subsidy Scheme
• DARE: Department of Agricultural • FSRASC: Financial Sector Regulatory
Research & Education Appointment Search Committee
• DDA: Doha Development Agenda • GCC: Gulf Cooperation Council
• DGCI&S: Directorate General of • ICRA: Indian Credit Rating Agency.
Commercial Intelligence & Statistics • IBC: Insolvency & Bankruptcy Code
• DGFT: Directorate General of Foreign • LFPR: Labour Force Participation Rate
Trade • M0: Reserve Money
• DIPAM: Department of Investment & • M3: Broad money
Public Asset Management • MDGs: Millennium Development
• DIPP: Department of Industrial Policy Goals
& Promotion • NAREDCO: National Real Estate
• DISCOMS: Distribution Companies Development Council
• EBRD: European Bank for • NCDs: Non-Convertible Debentures
Reconstruction & Development • NCLT: National Company Law
• EFTA: European Free Trade Tribunal
Association • NICRA: National Innovations on
• EIB: European Investment Bank Climate Resilient Agriculture
• PMAY: Pradhan Mantri Awas Yojana

• PMFBY: Pradhan Mantri Fasal Bima
Yojana
• PMKSY: Pradhan Mantri Krishi
Sinchayee Yojana
• POL: Petroleum Oil & Lubricants
• RMSA: Rashtriya Madhyamik Shiksha
Abhiyan
• SSA: Sarva Shiksha Abhiyaan
• SUUTI: Specified Undertaking for Unit
Trust of India
• SWIFT: Society for Worldwide
Interbank Financial
Telecommunication.
• SWP: Systematic Withdrawal Plan
• UDAY: Ujwal Discom Assurance
Yojana
• UDISE: Unified District Information
System for Education
6. Types of Banking
Merchant Banking Islamic Banking

(1) Deals in commercial loans and (1) Islamic banking is a kind of banking activity
investments. which strictly follows the principles of the
(2) Purpose: Facilitate and/or finance Islamic law (Sharia).
production and trade of commodities. (2) A better and more apt term for Islamic
(3) Offer: Issue management, portfolio banking is Sharia Compliant Finance.
management, credit syndication, acceptance
credit, counsel on mergers and acquisitions, Para banking
insurance, etc. (1) Activities which are excluded from routine
bank-work (deposits, withdrawals, giving
Overseas Banking credit, etc.) are para banking activities.
(1) The kind of banking in which bank operates (2) Banks can undertake certain eligible
its branches outside india. It Provides and financial services or activities.
ensures stateside like banking services and (3) Para Banking activities which for banks are
specialized services required to conduct limited to those permitted by RBI.
financial transactions. (4) Example: Insurance, portfolio management
(2) Offers: Online loan application system that services, to become pension fund managers,
reduces the need for paperwork and provides mutual funds business, money market mutual
customers with instant loan decision. funds, underwriting of bonds of PSUs,
investment in venture capital funds, etc.
Offshore Banking Narrow Banking (Safe Banks)
(1) Bank accepts currencies of countries (1) Narrow banks do not lend money and are
abroad.
(2) Provides financial and legal benefits like
privacy and minimal taxation. (2) They use the deposits done by customers
to buy government bonds only.
(3) Advantages: (i) No danger of NPAs (ii) RBI Eg. taking initiatives so that a bank could
itself generate electricity for its own
consumption
(4) 11 banks that RBI, under PCA, is turning
into Narrow Banks are: Allahabad Bank,
United Bank of India, Corporation Bank, IDBI
Bank, UCO Bank, Bank of India, Central Bank
of India, Indian Overseas Bank, Oriental Bank
of Commerce, Dena Bank, Bank of
Maharashtra.
What is Deposit Insurance?

Money of customers who deposit money in
the banks is insured by DICGC. And the
Retail Banking
customers who take loans from banks are
(1) Retail banking refers to consumer-
guaranteed of money by DICGC.
oriented services offered by commercial
DICGC is a wholly owned subsidiary of RBI,
banks. Eg. savings accounts, mortgages
established on 15 July 1978 under Deposit
and various types of loans and
Insurance and Credit Guarantee
investment services relating to
Corporation Act, 1961 for providing
retirement and educational planning.
insurance of deposits and guaranteeing of
(2) Retail assets of a bank: All borrower
credit facilities to the customers of banks.
relationships and relationships with small
businesses. Thus, including credit cards,
Green Banking
auto loans, mortgages, personal loans,
(1) Promoting environmental-friendly
and small business loans.
Practices
(3) How do retail banks earn money: By
(2) Reducing your carbon footprint from your
lending money to customers at a higher
banking activities.
rate than they pay to depositors. The
(1) Institute for Development and Research
difference, known as the margin or turn,
defines Green Banking as an umbrella term
is kept by the bank. For example, if a
that refers to
bank pays 1% interest on deposits, they
(1) Practices & guidelines that make banks
may charge 6% interest on loans.
sustainable in economic, environment and
social dimensions.
Wholesale Banking
(2) It aims to use IT and physical infrastructure
(1) Services provided to organisations
in a efficient and effective way, with zero or
such as mortgage Brokers, large
minimal impact on the environment.
corporate clients, mid-sized companies,
(3) IDRBT offers guidelines for greening
real estate developers & investors,
banking at 2 levels:
international trade finance businesses,
(i) Making day-to-day business
etc.
operations, banking products and
services greener by following simple Universal Banking
practices and making them (1) Recommended by R H Khan
environmentally friendly. (ii) Making IT committee. (2) It means allowing
infrastructure (including data center) and Financial Institutions & banks to carry
physical infrastructure (including out all types of banking or development
buildings) greener. financing activity (as allowed and
permitted by RBI, Govt. & related legal
Acts).
7. Securities
When companies (businesses) or individuals their needs, they keep some assets as
take credit from financial institutions to meet .
(3) Agreement implies that a lien is imposed

Points to Remember: by law, which is not in the case of contract.
(i) The borrowers return the credit or loan (4) Similarity between Lien & Pledge: Both
after a decided period, with interest as used for the security purpose. And lender has
charged when taking credit or loan. the rights to have the possession of the
securities against which the loan is given, but
(2) Institutions give credit only if they are the lender cannot sell the securities to recover
satisfied that they will get their money his losses unless stated in the agreement.
back.
(5) Difference between Lien & Pledge: Lien
(3) Assets kept as security should be of is formed by agreement between the two
same or higher value than the credit parties unlike pledge. Unlike pledges, Lien
amount taken. agreement can be on property too.
(4) Security is a tradable financial asset. 3. Pledge

Issuer: The company or other entity issuing
the security is called the issuer. (1) Actual possession of assets against which
Representation: Securities may be loan is taken remains with the lender until the
represented by a certificate or, more loan is paid back.
typically, "non-certificated", that is in
electronic (dematerialized) or "book entry" (2) Contract used when lender (pledgee) takes
only form. actual possession of assets (i.e. certificates,
goods). Examples: goods, certificates, gold,
Types of Securities: etc.
1. Mortgage-backed security (MBS) (3) Such securities or goods are movable

(1) Loan against or for immovable objects - securities.
land, building, anything attached to earth.
These remain with the borrower for the time (4) Pledgee retains possession of goods until
the pledger (i.e. borrower) repays the entire
(2) Lender can take possession in case of debt amount.
default and the lender can sell the immovable
object to recover his amount. (5) In case that the borrower is not able to
meet the obligation i.e. return the money
borrowed with specified time, the lender has
(3) Example - Home loan (property remains full rights to sell the assets and recover his
with borrower.) losses along with interest.
2. Lien (6) Indian Contract Act 1872, section 172.

(1) Is defined as right to keep possession of (Memory tip: Act 1872 & Section 172)
property belonging to another person until a
debt owed by that person is discharged. It is a 4. Hypothecation
form of security interest granted over an item
of property to secure the payment of a debt (1) Credit and the asset against which or for
or performance of some other obligation. So which loan is taken, both remain with the
lien is a legal claim on the securities. borrower.
(2) The owner of the property, who grants the (2) In case of default, Fin. institution can take
lien, is referred to as the lienee and the possession of asset and sell it to recover
person who has the benefit of the lien is credit/loan. Example: Movable assets like
referred to as the lienor or lien holder. stocks, machinery, loan against or for a
vehicle.
(3) SARFAESI ACT 2002

Type Movabl Movable Immovabl
e e
Major Difference between Pledge and
Hypothecation: Posse- With With With
ssion Lender Borrower Borrower
Hypothecation: Bank cannot take Exampl Goods Assets lik Housing
e like e Vehicle, Loan
Upon taking possession, it can sell the asset Gold Machines
without asking. loan Stocks,
advanc etc.
Pledge: Possession stays with bank till e
repayment of loan. It must return goods on against
NSC,
loan repayment.
etc.
Securi- Pledge Hypothe Mort-

ties -cation gage
8. List of Mergers in Indian Banking Industry
SBI
Name of the Name of the State Bank of

Year of SBI
Banks Banks that got Bikaner and 2009
Merging
Acquired Merged Jaipur (SBBJ)
State Bank of
Bharatiya Mahila SBI Hyderabad 2008
SBI 2016
Bank (BMB) (SBH)
State Bank of SBI State Bank of

SBI Travancore 2010 2008
Mysore (SBM)
(SBT)
SBI State Bank of
2007
Patiala (SBP)
Other Banks
Name of the Name of the Year of State Bank of State Bank of

2008
Banks Banks that got Merging India Saurashtra
Acquired Merged
Centurion Bank
HDFC Bank 2008
of Punjab
Kotak
Mahindra ING Vysya Bank 2016 Centurion
Lord Krishna
Bank Bank of 2007
Bank
Punjab
Bank of
ICICI Bank 2010
Rajasthan Indian
Bharat Overseas
Overseas 2007
State Bank of State Bank of Bank
2009 Bank
India Indore
United Western Lakshmi

IDBI Bank 2006
Bank Ltd. Canara Bank Commercial 1985
Bank
Ganesh Bank of
Federal Bank 2006
Kurundwad Bank of South Gujarat
2004
Baroda Local Area Bank
Centurion Bank of Punjab
2005
Bank (BoP) Bareilly
Bank of
Corporation 1998
IDBI Bank Baroda
IDBI Limited 2005 Bank Ltd.
Limited
Oriental
Oriental Bari Doab Bank
Global Trust Bank of 1997
Bank of 2004 Ltd
Bank (GTB) Commerce
Commerce
Oriental
Punjab Punjab Co-
Bank of 1997
National Nedungadi Bank 2003 operative Bank
Commerce
Bank
Allahabad United Industrial
Bank of Benares State 1989
2002 Bank Bank Limited
Baroda Bank
Central Bank Purvanchal Bank
ICICI Bank 1990
ICICI Limited 2002 of India Ltd.
Limited
Parur Central
ICICI Bank Bank of Madura 2001 Bank of India 1990
Bank Ltd.
HDFC Bank Times Bank 2000 State Bank of National Bank of

1970
India Lahore Ltd.
Union Bank
Sikkim Bank 1999
of India State Bank of Bank of Bihar
1969
India Ltd
State Bank of Kashinath State
1995
India Bank Punjab Hindustan
National Commercial 1986
Bank of India Bank of Karad 1994 Bank Bank Ltd.
Punjab Bank of
New Bank of Indian Bank 1990
National 1993 Thanjavur Ltd
India
Bank
Bank of Traders Bank
State Bank of 1988
Bank of Cochin 1985 Baroda Ltd
India
Indian
Bank of Tamil
Overseas 1990
Nadu
Bank
9. Digital Banking
India is advancing at breath-taking speed Commerce. Digital Payment Systems for

towards a cashless economy. Digital Payment Banking are going to occupy the largest part
Mode is growing faster with the growth in E- of transactions. With the growth in E-
Commerce in the world, knowledge of these (4) One can check status of his/her Aadhaar
Cashless Transaction modes has become very number seeding/linking in the bank account.
necessary.
(5) The service works across all GSM service
National Payments Corporation of India providers & brings together diverse
(NPCI) ecosystem partners such as Banks & TSPs
(Telecom Service Providers).
(1) National Payments Corporation of India
(NPCI) is an umbrella organization for all retail
NUUP
payments system in India.
(1) NUUP (National Unified USSD Platform)
(2) It aims to allow all Indian citizens to have service is based on the Unified Payment
unrestricted access to e - payment services. Interface (UPI) service over USSD, to facilitate
easy access banking services from mobile
(3) Headquarter: Mumbai phones.
Non-Executive Chairman: Biswamohan
Mahapatra and MD and CEO: Dilip Asbe (2) USSD number *99# is allotted for NUUP
services.
(4) RBI Nominee Director: Mr. Sudarshan Sen.
(3) TRAI has set a maximum ceiling of ₹1.5 per
(5) It was incorporated in December 2008 & transaction for accessing NUUP
the Certificate of Commencement of Business
was issued in April 2009. The authorized BHIM
capital was pegged at Rs 300 crore & paid up
capital was Rs 100 crore. (1) Bharat Interface for Money is a mobile app
developed by NPCI, based on the Unified
The National Payments Corporation of Payment Interface (UPI) - with zero
India (NPCI) has allowed Facebook-owned transaction charges.
WhatsApp to beta test its BHIM UPI beta
payments service with limited user base of (2) The aim is to make it easy for everyone to
1 million and low transaction limit. Four allow digital payments directly from the bank
account. BHIM allow users to send or receive
BHIM UPI model in phases and full feature money to or from UPI payment addresses, or
product will be released after beta test is to non-UPI based accounts. (using mobile
successful. number or Virtual Payment Address or VPA.)
USSD (3) It was launched by PM Modi on 30th Dec

2016. It is dedicated to Dr. Bhimrao
Ambedkar.
((1) Unstructured Supplementary Service Data
(USSD) allows users to check their balance (4) Works on Android, iOS & Windows.
and get mini statements, along with making
(5) It is available in 12 languages.
smartphone or have access to the internet -
just by dialing *99# (6) Famous Actor Shushant Singh Rajput
will also promote Bharat Interface for
(2) Was launched by NPCI in 2014 Money (BHIM) digital payments app for
cashless economy by appearing in various
(3) On their mobile phones, banking video, print and social media cashless
customers can avail the service by dialing economy by appearing in various video,
print and social media campaigns of NITI
Aayog.
interactive menu gets displayed on the mobile
screen to facilitate transactions.
UPI
the amount recorded in the year-ago

(1) Unified Payments Interface (Regulated by period.
RBI) is an instant real-time payment system
developed by National Payments Corporation RTGS & NEFT
of India facilitating inter-bank transactions.
(1) Real-time gross settlement systems (RTGS)
(2) UPI withdraws and deposits funds directly are funds transfer systems where transfer of
from the bank account whenever a money or securities takes place from one
transaction is requested. bank to another on a "real-time" and on
"gross" basis.
(3) It uses Virtual Payment Address, Account
Number with IFSC Code, Mobile Number (2) The main purpose of NEFT is to enable
with MMID, Aadhaar Number. electronic cash transfer having accounts in
bank branches. It is used for transferring
(4) Prime Minister Narendra Modi launched funds from one financial institution to another
three Indian mobile payment applications within India especially banks. No minimum
BHIM, RuPay and UPI enabled remittance and maximum limit for cash remittance
app of SBI in Singapore aimed at
(3) No minimum and maximum limit for limit
payment platforms. They were launched at for NEFT payment system. However, if you do
not have an account in a bank, then you can
only transfer up to Rs 50,000 per transaction.
(5) MobiKwik one of the largest digital (4) In contrast with NEFT system, there is a
service provider platform, announced the minimum limit of Rs 2,00,000 to be
launch of Unified Payments Interface (UPI) transferred through RTGS. Though there is no
on its platform via its own Virtual payment maximum limit.
address (VPA) handle @ikwik.
MMID
IMPS
(1) The Mobile Money Identifier (MMID) is the
(1) Launched in 2010, immediate payment key identifying detail of a user participating in
service (IMPS) is an instant real-time inter- a transaction.
bank electronic (mobile, online banking,
ATM) funds transfer system in India. (2) An MMID is a seven-digit number given to
a customer upon registration with a bank for
(2) UPI withdraws and deposits funds directly the service.
from the bank account whenever a
transaction is requested. (3) The remitter and the beneficiary should
have this MMID for doing this inter-bank
(3) It uses Virtual Payment Address, Account funds transfer through Mobile Number and
Number with IFS Code, Mobile Number with MMID.
MMID, Aadhaar Number.
QSAM
(4) As per NPCI data, the number of
transactions through IMPS crossed 100 (1) *99*99# service, is alternatively known as
million mark in March 2018 and touched a QSAM (or Query Service on Aadhaar
high of 120.4 million in June. Mapper).
(5) Transfer of funds through Immediate (2) Dialing this from mobile phone, helps user
Payment Service (IMPS) crossed a in knowing their Aadhaar Seeding status with
whopping Rs 3.23 trillion in April-June their bank account.
quarter of 2018-19, which is almost double
NACH
(1) National Payments Corporation of India cheque clearing system where cheque images
and magnetic ink character recognition
(MICR) data are captured at the collecting
bank branch and transmitted electronically.
(4) Cheque Truncation System (CTS) is a

cheque clearing system undertaken by the
Reserve Bank of India (RBI) for faster clearing
of cheques.
IFSC
(1) The Indian Financial System Code (IFS

Code or IFSC) is an alphanumeric code that
facilitates electronic funds transfer in India.
(2) A code uniquely identifies each bank

branch participating in the two main Payment
and settlement systems in India: the Real
Time Gross Settlement (RTGS) and the
National Electronic Fund Transfer (NEFT)
systems.
(3) The IFSC is an 11-character code with the

first four alphabetic characters representing
the bank name, and the last six characters
(usually numeric, but can be alphabetic)
representing the branch. The fifth character is
, Financial
Code is used by the NEFT & RTGS systems to
Institutions, Corporates and Government.
route the messages to the destination
banks/branches.
(2) It aims to consolidate multiple ECS
systems running across the country
MICR
(3) Yearly volume of NACH has already
reached about 95 million transactions by May (1) Magnetic Ink Character Recognition
2015 amounting to about Rs. 250 billion in (MICR) is the information that appears at the
actual credit value. bottom of a check.
CTS (2) The magnetic ink allows the computer to

read the characters even if they have been
(1) Launched: 1 February 2008 covered with signatures, cancellation marks
or other marks.
(2) Truncation is the process of stopping the
flow of the physical cheque in its way of (3) MICR, the 9 digit code, is a character-
clearing. In its place an electronic image of recognition technology used mainly by the
the cheque is transmitted with key important banking industry to ease the processing and
data. clearance of cheques and other documents.
Cheque truncation thus obviates the need to
move physical instruments across branches (4) The first 3 digits represents the city code;
the next 3 digits represents the bank code;
(3) Cheque Truncation System (CTS) or the last 3 digits represents the bank branch
Image-based Clearing System (ICS) is based code.
on a cheque truncation or online image-based
SWIFT multiple payment modes, and providing

instant confirmation of payment.
(1) The Society for Worldwide Interbank
Financial Telecommunication (SWIFT) (2) National Payments Corporation of India
provides a network that enables financial (NPCI) will function as the authorised Bharat
institutions worldwide to send and receive Bill Payment Central Unit (BBPCU), which will
information about financial transactions in a be responsible for setting business standards,
secure, standardized and reliable rules and procedures for technical and
environment. business requirements for all the participants.
(2) Headquarter: La Hulpe, Belgium; ACU

Chairman: Yawar Shah; CEO: Gottfried
Leibbrandt (1) Established: December 9, 1974
(3) SWIFT does not facilitate funds transfer: (2) Headquarters: Tehran, Iran
rather, it sends payment orders, which must The Asian Clearing Union (ACU) was
be settled by correspondent accounts that the established at the initiative of the United
institutions have with each other. Nations Economic and Social Commission for
Asia and the Pacific (ESCAP).
BBPS
(3) The aim of ACU was to secure regional co-
(1) Bharat Bill Payment System (BBPS) is an operation about the settlement of eligible
integrated bill payment system in India monetary transactions to provide a system for
offering practical and accessible bill payment clearing payments among the member
service to customers through a network of countries on a multilateral basis.
agents of registered member, enabling
10. Electoral Bonds
Announced: Scheme Union Budget 2017 Bonds can be bought from SBI branches at
Mumbai, Chennai, Kolkata and New Delhi.
Aim: (1) Alternative to cash donations. So that
transparency in political funding can increase. Electoral bonds can be bought for any
(2) Elimination of unaccounted and amount in multiples of Rs. 1000, Rs.10,000,
anonymous donations to political parties. Rs.1 Lakh, Rs.10 lakh and Rs. 1 crore.
(3) In a way fights black money.
Purchaser must pay from KYC - compliant
Points to remember: bank account.
Bonds can be donated to a registered political

India is the 1st country in the world to have a
party only.
unique bond for electoral funding.
Recently Finance Ministry has announced
Electoral bonds are made available for 10 days
benefits of electoral bonds scheme. The plan
in January, April, July and October.
was made public with an aim to end
Any Indian citizen or a body incorporated in unregulated political funding wherein a large
India can buy these bonds. amount of black money seeps into the
electoral process. These electoral bonds will
Electoral bonds will be valid for only 15 days be available for political donors in the
and will not carry the name of the payee. multiples of Rs 1,000, Rs 1 lakh, Rs 10 lakh or
Rs 1 crore.
11. Electronic Fund Transfer at Point of Sale

Electronic funds transfer at point of sale Electronic Funds Transfer (EFT) - It is also
(EFTPOS) is a payment system that allows known as e-transfer and indicates the transfer
faster and safer digital fund transfers at of money between accounts by consumer
payment terminals using debit or credit cards. electronic systems such as automated teller
machines (ATMs), and electronic payment of
EFTPOS was first introduced in the US in bills.
1981 and rolled out in 1982, after that
several other countries followed the suit. Point of Sale (POS) - is the location where a
sales transaction occurs
12. Priority Sector Lending
Priority sector was first properly defined in Private sector lending is essentially meant for
1972 by Dr. K S Krishnaswamy committee. an all-round development of the economy and
Priority Sector Lending is an important role not just focus on the financial sector.
given by the Reserve Bank of India (RBI) to the
banks for providing a specified portion of the Private sector lending is also linked to the
bank lending to few specific sectors. Double Financial Repression. In India, private
sector lending has been made a salient
As per the RBI circular of July 7, 2016, there feature of banking mainly due to the social
are 8 broad categories of the PSL viz. and economic objectives that underlie PSL.
(1) Agriculture However, banks are also required to keep
(2) Micro, Small and Medium Enterprises certain amount to maintain Statutory Liquidity
(3) Export Credit Ratio (SLR) and from the remaining disposable
(4) Education amount, 40 per cent is dedicated for the
(5) Housing
(6) Social Infrastructure resources causes the so calle
(7) Renewable Energy
(8) weaker sections. economic survey has brought this issue to the
forefront and has recommended the
government to restructure SLR and Priority
Sector Lending.
13. NPA and Recovery
What is an NPA: NPA for a period

Substandard asset less than or equal to
Non-performing assets are bad loans: Once 12 months.
a borrower fails in payment of interest or NPA for a period of
instalment of the principal or both for 90 Doubtful asset more than 12
days at least, the loan is considered an months.
NPA. NPA for a period of
Loss asset more than 36
Rise in NPAs, has taken a toll on stock prices months
of most of these banks. So, RBI rules require
that banks should set aside certain amount of Classification of NPAs for Agriculture
money (provisioning) for the NPAs. NPSs are loans:
classified as sub standard, doubtful and A loan will be treated as an NPA if
loss-making assets for provisioning instalment of the principal or interest
requirements remains unpaid beyond the due date for
(i) two crop seasons in case of short
duration crops (maturing within one year);
(ii) one crop season for long duration crops (3) Regulators use 4 different capital
(maturing after one year). measures i.e. a total risk and a Tier - 1 based
capital ratio, leverage and Equity to assets
To recover the NPAs, many measures have ratio.
been taken, like: Provisioning, CAR norms,
Securitization law, Foreclosure, Norms, One- Reserve Bank of India (RBI) has put state-
time settlement, Interest Waiver, Write-offs, run lender Dena Bank under prompt
Debt recovery tribunals, Asset reconstruction corrective action (PCA) framework.
companies
The Reserve Bank of India (RBI) has placed
With a view to bringing convergence of the 11 public sector banks (PSBs) out of 21
Priority Sector Lending guidelines for State-owned banks under its Prompt
housing loans with the Affordable Housing Corrective Action (PCA) framework
Scheme, and to give a relaxation to low- because of deteriorating performance.
cost housing for the Economically Weaker Three-four more PSBs are expected to be
Sections the housing loan limits for brought under PCA framework.
eligibility under priority sector lending will
be revised to Rs 35 lakh in metropolitan Asset Reconstruction Company
centres from Rs 28 and to Rs 25 lakh from
Rs 20 lakh earlier in other centres, provided
(1) In order to recover the bad debts (sticky
the dwelling cost does not exist Rs 45 lakh.
loans), the Asset Reconstruction Company,
who have built in professional expertise,
SARFAESI ACT 2002
handles recovery as their core business.
(1) The Securitisation and Reconstruction of (2) ARCs buy bad loans from banks and try to
Financial Assets and Enforcement of restructure them and collect them. ARC is
Securities Interest Act, 2002 (also known as formed under SARFAESI Act, 2002.
the SARFAESI Act) is an Indian law. It allows
banks and other financial institution to (3) Under this Bank / FIs have the power to
auction residential or commercial properties sell their bad loans. The loans which are of 1
to recover loans. lakh or more fall in this category
(2) It is used to expedite recovery of loans and

Debt Recovery Tribunal
bring down the non performing asset level
of the Indian banking and financial sector.
(1) The Government of India has constituted
(3) It will thus become easier to recover bad 38 Credit Recovery Tribunals (DRT) and
loans from wilful defaulters. constituted the 5 Debt Restore Appeal
Tribunal (DRAT) across the country.
Prompt Corrective Action (PCA)
(2) The Debts Recovery Tribunal (DRT)
enforces provisions of the Recovery of Debts
(1) To ensure that banks don't go bust, RBI has Due to Banks and Financial Institutions
put in place some trigger points to assess, (RDDBFI) Act, 1993 and Securitization and
monitor, control and take corrective actions Reconstruction of Financial Assets and
on banks which are weak and troubled. The Enforcement of Security Interests (SARFAESI)
process or mechanism under which such Act, 2002.
actions are taken is known as Prompt
Corrective Action, or PCA.
(2) It maintains sound financial health of

banks, which involves monitoring of certain
performance indicators of the banks as an
early warning exercise.
(3) The Debt Recovery Tribunal is located institutions to convert their loans into equity
stake.
Debts due to Banks and Financial Institutions
(2) Under the SDR scheme, banks are
exempted from making an open offer while
acquiring majority stake in a stressed
company.
(3) The Joint Lenders Forum/Corporate

Restructuring Cell can initiate the SDR
scheme.
(4) The SDR an initiative can be taken by the

group of banks or JLF that have given loans to
the defaulted entity. The Joint Lender Forum
(JLF) is a committee comprised of the entire
bankers who have given loans to a potentially
stressed or stressed borrower.
Lok Adalats
(1) Lok Adalat ("Public Court" or "People's

Court") is one of the Alternative dispute
resolution mechanisms in India, it is a forum
where cases pending or at pre-litigation stage
in a court of law are settled.
(2) Created under Legal Services Authority

Act 1987.
(4) As per the act, the issue is to be settled in
6 months and in this case the success rate is
(3) Lok Adalats have been found suitable for
around 20 30%.
the recovery of small loans.
Strategic Debt Restructuring (4) According to RBI guidelines issued in 2001,

they cover NPA up to Rs. 20 lakhs, both suits
(1) Strategic Debt Restructuring (SDR) Scheme filed, and non-suit filed are covered.
allows banks and non-banking lending
14. KYC
of Rs 5 cr on south Indian bank for non-

the process of banks asking for your identity compliance with its directions on Income
proof. This prevents fraud and misuse of Recognition and Asset Classification (IRAC)
banking facility. It is similar to a security norms, Know Your Customer (KYC) norms
check. and treasury function.
The Reserve Bank of India (RBI) has made

linking of national biometric ID Aadhaar to
bank accounts mandatory as part of its
updated 'Know Your Customer (KYC)'
guidelines. RBI has also imposed a penalty
What is CTR?
Currency Transaction Report is a bank form

used as a tool to prevent Money.
What is STR?
Firstly, A suspicious transaction is one for

which there are reasonable grounds to
suspect that the transaction is related to a
money laundering offence or a terrorist
activity financing offence.
An STR is Suspicious Transaction Report.
15. Important Financial Institutions
1. RBI 6.0% The marginal standing facility (MSF)

rate and the Bank Rate to 6.50%. Cash
The Reserve Bank of India (RBI) is India's Reserve Ratio (CRR) remains unchanged at
Central Banking Institution which controls the 4%.
monetary policy of Indian rupee. It
commenced its operations on 1 April 1935 in Mahesh Kumar Jain has become the new
accordance with the Reserve Bank of India Deputy Governor at Reserve Bank of India
Act 1934. for period of 3 years.
RBI has revised its priority sector lending RBI had organised a Financial Literacy
guidelines for housing loan under Pradhan Week from 1st- 8th June 2018, throughout
Mantri Awas Yojna. Housing Loan of up to the nation. The Theme for the Programme
Rs 35 Lakh for dwelling costing less than 45
Lakh will be treated as PSL to uplift low
cost segment to the society. 2. NABARD
From now, according to RBI Interest National Bank for Agriculture and Rural
subsidy scheme on short-term crop loans Development (NABARD) is India's specialised
up to lakh rupees will be implemented Bank for Agriculture and Rural Development
through the Direct benefit transfer mode. in India. NABARD was established by Act 61,
1981 of Parliament on 12 July 1982 to
The Reserve Bank of India (RBI) has made implement the National Bank for Agriculture
and Rural Development Act 1981.
Scheme (GMS to enable people to open a HQ: Mumbai;
hassle-free gold deposit account. Chairman: Dr. Harsh Kumar Bhanwala
Subsidiaries of NABARD: NABCONS,
The Reserve Bank of India (RBI) has NABFINS, ABFL.
announced its second Bi- monthly
Monetary Policy Rates for 2018-19 in The Cabinet Committee on Economic
Mumbai. RBI increase the policy repo rate Affairs (CCEA) approved initial corpus of
under the liquidity adjustment facility (LAF) Rs.5,000 crore for setting up of dedicated
by 25 basis points to 6.25%. The reverse Micro Irrigation Fund (MIF) in NABARD
repo rate under the LAF stands adjusted to (National Bank for Agriculture and Rural
Development) under Pradhan Mantri Krishi July 1978 under Deposit Insurance and Credit
Sinchayee Yojana (PMKSY). Guarantee Corporation Act, 1961.
HQ: Mumbai;
3. SEBI Chairman: B.P.Kanungo.
The Securities and Exchange Board of India 7.ECGC

(SEBI) is the regulator for the securities
market in India. It was established in the year ECGC Ltd, was established in July, 1957 to
1988 and given statutory powers on 30 strengthen the export promotion by covering
January 1992 through the SEBI Act, 1992. the risk of exporting on credit.The name of
the company has been changed from ERIC to
Recently, SEBI has approved amendments ECGC Ltd. with effect from 8 August 2014.
to buyback and takeover regulations and
changed the time for announcing the price The Cabinet Committee on Economic
band of initial public offering (IPO) from 5 Affairs (CCEA) has approved the capital
to 2 days infusion of Rs. 2000 crore for
strengthening of Export Credit Guarantee
4. NATIONAL HOUSING BANK Corporation (ECGC) to enhance insurance
coverage to micro, small medium
Housing Bank (NHB), a wholly owned enterprises (MSMEs) exports. The amount
subsidiary of Reserve Bank of India (RBI), was will be infused in three financial year i.e.
set up on 9 July 1988 under the National Rs.50 crore in 2017-18, Rs.1450 crore in
Housing Bank Act, 1987. 2018-19 and Rs.500 crore in 2019-20.
The National Housing Bank (NHB) has 8. SIDBI

sanctioned around Rs 3,018 crore under
the credit-linked subsidy scheme (CLSS) of Small Industries Development Bank of India
the Pradhan Mantri Awas Yojana (PMAY). (SIDBI) is a development financial institution
The present MD and CEO of NHB is Sriram in India. It was established on 2nd April 1990.
Kalyanaraman.
Small Industries Development Bank of
5.EXIM BANK India (SIDBI) and Common Service
Centres (CSC) Special Purpose Vehicle
Export Import Bank of India is the premier (SPV) signed MoU for providing financial
export finance institution in India, established Support village level entrepreneurs in
in 1982 under Export-Import Bank of India Act CSCs.
1981. The Small Industries Development Bank of
India (SIDBI) celebrated its foundation day
EXIM Bank has extended USD 10 million this year on April 2, 2018.
worth of line of credit (LOC) to Seychelles.
The EXIM Bank will provide loan of upto 4.5 9. IFC
bn to bangladesh for financing of various
social and infrastructure projects. The International Finance Corporation (IFC) is
an International Financial Institution that
6.DICGC offers investment, advisory, and asset-
management services to encourage private-
Deposit Insurance and Credit Guarantee sector development in developing countries.
Corporation (DICGC) is a subsidiary of It was established in 20 July 1956.
Reserve Bank of India. It was established on 15
16. Important Acts
1. RBI Act
The Reserve Bank of India Act 1934 is an Act

to constitute a Reserve Bank of India (RBI) and 4. BANKING REGULATION Act
provide the Central Bank with various powers
to act as the Central Bank of India. The Banking Regulation Act, 1949 is a
legislation in India that regulates all Banking
2. NABARD Act firms in India.
Nabard was established by Act 61, 1982 of the 5. SEBI Act

Parliament to implement the National Bank
for Agriculture and Rural Development Act The Securities and Exchange Board of India
1981. (SEBI) is the regulator for the securities
market in India. It was established in the year
3. RRB Act 1988 and given statutory powers on 30
January 1992 through the SEBI Act, 1992
The RRB Act 1976 was adopted to provide
sufficient banking and credit facility for
agriculture.
17. Monetary Policies
1. CASH RESERVE RATIO is a monetary policy instrument which can be

used to control the money supply in the
Cash Reserve Ratio (CRR) is a specified country.
minimum fraction of the total deposits of Current Rate 6%
customers, which Commercial Banks must
hold as reserves either in cash or as deposits 5. BANK RATE
with the Central Bank.
Current Rate 4% Bank rate is the rate charged by the Central
Bank for lending funds to Commercial Banks.
2. STATUTORY LIQUIDITY RATIO Current Rate 6.50%
Statutory Liquidity Ratio (SLR) is the Indian 6. MARGINAL STANDING FACILITY

Government term for the reserve requirement
that the Commercial Banks in India are Marginal Standing Facility (MSF) is the rate at
required to maintain in the form of cash, gold which scheduled banks could borrow funds
reserves, government approved securities overnight from the Reserve Bank of India
before providing credit to the customers. (RBI) against approved government securities.
Current Rate 19.5% Current Rate 6.50%
3. REPO RATE 7. OPEN MARKET OPERATIONS
Repo Rate is the rate at which the Central Open Market Operations (OMO) refer to
Bank of a Country (Reserve Bank of India in buying and selling of government securities in
case of India) lends money to Commercial the open market to expand or contract the
Banks in the event of any shortfall of funds. amount of money in the Banking System.
Current Rate 6.25%
INDICATORS CURRENT RATE
4. REVERSE REPO RATE
CRR 4%
Reverse Repo Rate is the rate at which the SLR 19.5%
Central Bank of a country borrows money Repo Rate 6.25%
from Commercial Banks within the country. It Reverse Repo Rate 6.00%
MSF 6.50%
18. Types of Accounts
1. CURRENT ACCOUNT
A current account, also known as financial

account is a type of deposit account
maintained by individuals who carry out
significantly higher number of transactions
with banks on a regular basis.
2. SAVINGS ACCOUNT
A savings account is an interest-bearing

deposit account held at a Bank or another 8. NRI ACCOUNT
financial institution that provides a modest
interest rate. In Indian Banking terminology, the term NRI
Account refers to funds deposited by a Non-
3. FIXED DEPOSIT ACCOUNT Resident Indian.
A Fixed Deposit (FD) is a financial instrument 9. NRO ACCOUNT

provided by Banks or NBFCs which provides
investors a higher rate of interest than a An NRO account is a savings or current
regular savings account, until the given account held in India that helps NRIs manage
maturity date. income earned in India such as rent,
dividends, or pension from abroad.
4. RECURRING DEPOSIT ACCOUNT
10. FCNR ACCOUNT
Recurring Deposit is a special kind of Term
Deposit offered by Banks in India which help FCNR (Foreign Currency Non-Repatriable
people with regular incomes to deposit a Account) is a Fixed Deposit Foreign Currency
fixed amount every month into their Recurring account and not a savings account. Deposits
Deposit account and earn interest at the rate in this account can be made in any of the
applicable to Fixed Deposits. major foreign currencies like US Dollar, UK
Pound, Canadian Dollar, Deutsche Mark,
5. FLEXIBLE ACCOUNT Japanese Yen and Euro.
A flexible spending account (FSA), also known It is available for term deposits of 1 to 5 years
as a flexible spending arrangement, is one of and loans up to Rs.100 lakh can be extended
several tax-advantaged financial accounts. against funds held in FCNR.
6. DORMANT ACCOUNT 11. NOSTRO ACCOUNT
A dormant account refers to an Bank Account Nostro account refers to an

which had no activity for a long period of account maintained by an Indian Bank in the
time, other than posting interest. foreign countries.
7. DEMAT ACCOUNT 12. VOSTRO ACCOUNT
A Demat Account is an account that allows A Vostro account is maintained by a foreign

investors to hold their shares in an electronic bank in India with their corresponding bank.
form.
13. EEFC ACCOUNT

14. NRE ACCOUNT
(EEFC) is an account maintained in foreign NRE Savings Account enables NRIs to park
currency with an authorised dealer. their foreign income earned outside India.
19. Types of Loans
1. SYNDICATE LOAN 7. LOANS FOR VETERANS
A Syndicated Loan, also known as a The Department of Veterans Affairs (VA) has
Syndicated Bank facility, is a loan offered by a lending programs available to veterans and
group of lenders referred to as a Syndicate their families. With a VA-backed home loan,
who work together to provide funds for a money does not come directly from the
single borrower. administration.
2. BRIDGE LOAN 8. SMALL BUSINESS LOANS
A bridge loan is a type of short-term loan, Small Business Loans are granted to
typically taken out for a period of 2 weeks to entrepreneurs and aspiring entrepreneurs to
3 years pending the arrangement of larger or help them start or expand a business.
longer-term financing.
9. PAYDAY LOAN
3.TEASER LOAN
Payday loans are short-term, high-interest
A teaser loan is usually an adjustable-rate loans designed to bridge the gap from one
mortgage (ARM) with an artificially low initial pay check to the next, used predominantly by
interest rate. repeat borrowers living pay check to pay
check.
4. STUDENT LOAN
10. CONSOLIDATED LOAN
Student loans are offered to college students
and their families to help cover the cost of A consolidated loan is meant to simplify your
higher education. finances. Simply put, a consolidate loan pays
off all or several of your outstanding debts,
5. MORTGAGES particularly credit card debt.
Mortgages are loans distributed by Banks to 11. CASH ADVANCES
for upfront. A mortgage is tied to your home, A cash advance is a short-term loan against
meaning you risk foreclosure if you fall behind your credit card. Instead of using the credit
on payments. Mortgages have among the card to make a purchase or pay for a service,
lowest interest rates of all loans. you bring it to a Bank or ATM and receive
cash to be used for whatever purpose you
6. PERSONAL LOANS need.
Personal loans can be used for any personal 12. HOME EQUITY LOANS
purpose. This makes them an attractive Home Equity Loans and Home Equity Lines of
option for people with outstanding debts,
such as credit card debt, who want to reduce a source of collateral so interest rates are
their interest rates by transferring balances. considerably lower than credit cards.
13. LIFE INSURANCE

This type of loan may be distributed by a Bank
Those with retirement funds or life insurance or by the car dealership directly, but you
plans may be eligible to borrow from their should understand that while loans from the
accounts. dealership may be more convenient, they
often carry higher interest rates and
14. AUTO LOAN ultimately cost overall more.
20. Banking Ombudsman Scheme
The Banking Ombudsman Scheme is an introduced under Section 35 A of the Banking

expeditious and inexpensive forum for bank Regulation Act, 1949 by RBI with effect from
customers for resolution of complaints 1995. Presently the Banking Ombudsman
relating to certain services rendered by Banks. Scheme 2006 (as amended up to July 1, 2017)
The Banking Ombudsman Scheme is is in operation.
21. Money Market
It is the trade in short-term loans between Minimum amount: 1 lakh; Period: 7 days - 1
banks and other financial institutions. year
Usually, financial instruments with high
liquidity and short-term maturities are 5. Commercial Papers - Commercial
traded. Paper, introduced in 1990, is issued (sold) by
large corporations to obtain funds to meet
Few instruments of Money Market are: short-term debt obligations and is backed
only by an issuing bank or company promise
1. Call Money - Is the money loaned by a bank to pay the face amount on the maturity date
or other institution which is repayable on specified on the note.
demand for 1 day. Call money does not have a Minimum amount: 5 lakhs or its multiples;
fixed schedule, nor does the lender need to Period: 7 days - 1 year
provide any notice of repayment.
Period - 1 day 6. Treasury Bills - These are short term
borrowing instruments of the Government
2. Notice Money - The money that is lent for of India. Treasury Bills enable investors to
one day to in money market is known as call park their short term surplus funds while
money and if it exceeds one day, it is known reducing their market risk. They are auctioned
as notice money. Period - 2-14 days by Reserve Bank of India at regular intervals
and issued at a discount to face value.
3. Term Money - While Call money and notice Minimum amount: Rs. 25000 or its multiples;
money refers to short-term funds (less than 14 Period: 91 days, 182 days & 364 days.
days). Period - 15 days - 1 year
7. Ways and Means of Advances - is a method
4. Certificate of Deposits - It is equivalent to used by Reserve Bank of India (RBI) under its
promissory note and is negotiable. Certificate credit policy by which it helps States banking
of Deposits (CD) is issued in lieu of the funds with it to tide over temporary mismatches in
deposited at a bank for a specified time. It the cash flow of their receipts and payments.
was introduced in July 1989, to enable the
banking system to mobilize bulk deposits 8. Cash Management Bills - are short term
from the market. bills issued by central government to meet its
immediate cash needs. The bills are issued by
the RBI on behalf of the government.
22. Negotiable Instruments Act 1881
A negotiable instrument is a piece of paper

Counter This cheque requires MICR
which entitles a person to a sum of money
cheque encoded to be handled by
and which is transferable from one person
their clearing houses. It was
to another by mere delivery or by
common for banks,
endorsement and delivery.
especially in small towns, to
According to Section 13 of the Negotiable
issue cheque to customers
Instruments Act, "A negotiable instrument
which were not
means a promissory note, bill of exchange
personalized other than the
or cheque payable either to order or to
name of the bank.
bearer.
Stale Is a cheque presented at the
1. Promissory Note - is a financial instrument Cheque paying bank after almost 3
that contains a written promise by one party months of its payment date.
(the note's issuer or maker) to pay another
party (the note's payee) a definite sum of Mutilated Is a cheque that is torn into
money, either on demand or at a specified Cheque two or more pieces
future date
Post Dated Is a cheque that a bear a
2. Bill of Exchange - is like promissory note Cheque date later than the date of
and is a written order used primarily in issue.
international trade that binds one party to pay
a fixed sum of money to another party on Open Is a cheque that is not a
demand or at a predetermined date. Cheque crossed. The person whose
name appears on the
3. Cheque - is a document (written on a cheque can write the name
specially printed form) that orders a bank to of another person on it and
pay a specific amount of money from a the money will be paid to
person's account to the person in whose him.
name the cheque has been issued.
Crossed Is a cheque having two
Types of Cheques Cheque short parallel lines marked
across its face.
Type Description Gift Cheque is a cheque in a decorative

form issued for a small extra
charge by the banks for use
Order This is a cheque which is by customers who wish to
Cheque payable to a particular give presents of money on
person or his order.In this special occasions.
cheque the printed word
This cheque is issued by a
cancelled. Cheque bank for remittance of
money from one place to
Bearer This cheque is payable to a another.
Cheque person whosoever bears.
Bearer cheque sometimes Self-cheque is a cheque written by the
can be made payable to account holder as pay self
to receive the money in the
payable to a specific name physical form from the
branch where he holds his
account.
Blank in this type of cheque, the
Cheque drawer puts his signature
and leaves all other columns Bankers It is an instrument issued by
blank Cheque the bank on behalf of
customer containing an
order to pay a certain sum which has not been
to a specified person within presented for payment and
the city. so has not been debited
Outstanding Is a cheque which has been account

cheque written and therefore has
been entered in the
23. Endorsements
• Endorsement has various definitions Allonge or stamped paper), for

depending on the context of its use. negotiating (transferring to next
• For example, a signature authorizing person) a negotiable instrument.
the legal transfer of a negotiable • Endorsements can be an amendment
instrument between parties is an to a contract or document such as a
endorsement. life insurance policy or a driver's
• As per Section 15 of Negotiable license.
Instrument Act, 1881 endorsing means • A public declaration of support for a
signing on the face or backside of an person, product, or service is also an
instrument (or even on a paper called endorsement.
24. Financial Inclusion
Financial inclusion basically means making

credit, banking and financial services &
products accessible to:
(1) Weaker section and low-income group
(2) People residing in remote or rural areas
and villages.
It also includes:
1. Promoting healthy banking habits of
investment, money-saving, insurance, etc.
among these groups.
2. Making loans available for these groups at
reasonable rates. To save them from cruel and
exploitative moneylenders.
Types of Financial Inclusion:
Financial inclusion aims to take care people Fig: Financial Inclusion Initiatives
who fall in 2 types of groups:
1. Low Income section in Urban Areas

2. Low Income section in Rural Areas
So, to carry out financial inclusion

successfully, some important initiatives taken
are:
LBS (Lead banking Scheme)

are: Deposit and withdrawal, transfer funds,

Started: 1969 by RBI cheque facility, passbooks, ATM cards and
Recommended by: Gadgil Study Group & number of withdrawals to 4 using any mode in
Nariman Committee. a month.
Aim: Bridging the gap left by absence of (2) A BSBDA account can be opened in any
commercial banks in rural areas. commercial bank and even in foreign banks.
Implementation: A public or private bank was But a person having BSBDA account in a bank
allotted an area (district) in which that bank cannot have a savings account in the same
had to play a lead role in providing financial bank.
services to the people, making them aware (3) A person already having savings account
about the banks and various benefits of banks can open a BSBDA in the same bank. But
and generating trust among people so they he/she will have to close the savings account
deposit their money without any fear of loss within 30 days from the date of opening of
or fraud. BSBDA.
(4) While there will be no limit on number of
Points to Remember: deposits that can be made in a month,
account holders will be allowed a maximum of
(1) Every district in the country is now allotted four withdrawals in a month, including ATM
to a bank. withdrawals.
(2) The lead bank to whom a district is (5) Accounts enjoying additional facilities
allotted, is responsible for coordination of under the reasonable pricing structure for
activities and services of all financial value added services, exclusively for BSBDA
institutions in that area. customers should not be treated as BSBDAs.
(3) A Lead Bank Officer (LBO) now called
Lead District Manager is also appointed, who BSBDA-Small Account:
takes care of all concerned activities.
If a customer wants to open an account
at state level coordinate and implement without KYC norms, then also a bank
programmes and policies by financial account can be opened for him but that will
institutions operating in States. be treated as BSBDA-Small Account with
conditions as:
No Frills Account
1. Total credits in such accounts
Started: 2005 by RBI should not exceed 1 lakh rupees in
Recommendation by: Rangarajan Committee a year.
Aim: Simplified KYC norms and either nil or 2. Maximum balance in the account
very low minimum balance to help low should not exceed fifty thousand
income groups maintain bank accounts. rupees at any time.
Implementation: However, all the existing 3. In a month, the total of cash
- ed withdrawals and transfers cannot
into BSBDA (Basic Savings Bank Deposit exceed Rs 10,000.
Accounts). 4. Foreign remittances cannot be
credited to Small Accounts without
BSBDA Account completing normal KYC
formalities.
Started: 2012 by RBI 5. Small accounts are valid for a
Aim: To extend benefits of no-frills account to period of 12 months initially which
common man. may be extended by another 12
Implementation: Applicable to all scheduled months if the person provides
commercial banks in India including Foreign proof of having applied for an
Banks having branches in India. Officially Valid Document.
Points to Remember: 6. Small Accounts can only be opened
(1) A BSBDA account is like a savings bank at Core Banking System (CBS)
account (that any person 10+ years in age) can linked branches of banks or at such
open. Services available with BSBDA account branches where it is possible to
manually monitor the fulfilments of Automated Teller Machines (ATMs) setup,

the conditions. owned and operated by non-bank entities are
Tata Communications Payment Solutions

Pradhan Mantri Jan Dhan Yojana (TCPS), started 1st white label ATM (WLA) at
Chandrapada, a tier-V town near Mumbai
Prime Minister's People's' Wealth Scheme is a
government scheme that aims to expand and Government has allowed 100% FDI in White
make affordable access to financial services Labelled ATM operations since 2015.
such as bank accounts, remittances, credit,
insurance and pensions. Self-Help Group
Business Correspondence SHGs have their origin from the Gramin Bank
of Bangladesh which was founded in 1975 by
is exchange of information in a written format the economist Prof. Mohammad Yunus of
for the process of business activities that can Chittagong University.
take place between organizations, within SHG-Bank Linkage Programme was started
organizations or between the customers and based on recommendation
the organization. of S K Kalia Committee.
Business Correspondence includes SHG - Bank Linkage was started in 1992 under
individuals, NGOs, SHGs, NBFCs, Payment the guidelines of NABARD and Reserve Bank
Banks and so on. of India.
It is a village-based financial intermediary
White Label ATMs committee comprising of 10 20 local women
or men.
25. Capital Market
Capital market is a platform where means its price is not firmly established, and
investors and buyers get into trade of therefore its ownership is easily transferable.
financial securities such as bonds, stocks,
etc. 5. GDR - Stands for Global Depository Receipt
(GDR). It is a bank certificate issued in more
1. IPO - Stands for Initial Public Offering. It is a than one country for shares in a foreign
term used when a private company or company. The shares are held by a foreign
corporation raises investment capital by branch of an international bank.
offering its stock to the public for the first
time. 6. IDR - International Depository Receipt is a
negotiable certificate that a bank issue. It is
2. FPO - Stands for Follow on Public Offer. It also known as ADR in U.S.A. In Europe, IDRs
is a process by which an already are known as Global Depository Receipts, and
listed company on an exchange issues new trade on the London, Luxembourg and
shares to the investors or the existing Frankfurt exchanges.
shareholders, usually the promoters.
7. NSDL - Stands for National Securities
3. Right Issue - It is an invitation to existing
shareholders to purchase additional new depository and refers to the organization
shares in the company. meant for holding and safeguarding the
securities that are traded in the securities
4. ADR - Stands for American Depository market.
Receipt. It is a negotiable certificate issued by
a U.S. bank that represents a specified 8. CDSL - Central Depository Services Limited
number of shares (or one share) in a foreign is a depository service that works for the
stock traded on a U.S. exchange. Negotiable Bombay Stock Exchange (BSE). Its primary
function is to hold securities either in
certificated or uncertificated (dematerialized) worldwide that facilitate investment trade in

form and enable the book-entry transfer of approximately 100 primary commodities.
securities up to 500 shares in physical form.
CDSL is promoted by the State Bank of India 16. MCX - The Multi Commodity Exchange of
(SBI), Bank of India, Bank of Baroda, HDFC India Ltd. was established in 2003 and is an
Bank, Standard Chartered Bank, Axis Bank independent commodity exchange. It is
and the Union Bank of India. India's largest commodity derivatives
exchange where the clearance and
9. Debenture - It is a type of debt instrument settlements of the exchange happen.
that is not secured by physical assets or
collateral. Corporations and governments 17. NCDEX - National Commodity &
frequently issue this type of bond to secure Derivatives Exchange Limited is an online
capital. These are usually documented in an commodity exchange based in India.
indenture.
18. Derivatives - It is a contract between two
10. BSE - The Bombay Stock Exchange was or more parties based upon the asset or
established by Premchand Roychand in 1875. assets. Its price is determined by fluctuations
in the underlying asset. The most common
be the world's fastest stock exchange, with a underlying assets include stocks, bonds,
median trade speed of 6 microseconds. commodities, currencies, interest rates and
market indexes.
11. Sensex - It is the benchmark index of the
Bombay Stock Exchange (BSE) and is also Forward It is a private agreement
known as S&P. It is composed of 30 of the Contract between two parties giving the
largest and most actively-traded stocks on the buyer an obligation to
BSE, providing an accurate gauge of India's purchase an asset (and the
economy. seller an obligation to sell an
asset) at a set price at a future
12. NSE - The National Stock Exchange of point in time.
India was establi Future It is a contract for assets
demutualized electronic exchange. Contract (especially commodities or
shares) bought at agreed
13. Nifty - Like Sensex, Nifty is a major stock prices but delivered and paid
index introduced by the NSE in India. The for later.
Option It is a contract, or a provision
of a contract, that gives one
the index consists of 50 actively traded stocks party (the option holder) the
from various sectors. right, but not the obligation to
perform a specified
14. OTCEI - The over-the-counter exchange of transaction with another party
India (OTCEI), founded in 1990 is an (the option issuer or option
electronic stock exchange that consists of writer) according to specified
small- and medium-sized firms aiming to gain terms.
access to the capital markets like electronic
exchanges in the U.S. such as the Nasdaq. - Call Option: This option
There is no central place of exchange, and all provides the holder the right
trading occurs through electronic networks. (but not the obligation) to
The OTCEI is no longer a functional exchange purchase an underlying asset
as the same has been derecognised by SEBI at a specified price (the strike
vide its order dated 31 Mar 2015. price), for a certain period.
- Put Option: This option gives
15. Commodity Market - It is a physical or the holder the right to sell an
virtual marketplace for buying, selling and underlying asset at a specified
trading raw or primary products. There are price (the strike price).
about 50 major commodity markets
SWAP It is a derivative contract Net asset value (NAV) represents a funds per
where two parties exchange share market value. NAV is the sum of the
financial instruments. market value of all the shares held in the
portfolio divided by the total number of units
17. Mutual Fund - It is an investment vehicle outstanding.
made up of a pool of money collected from
many investors for investing in securities such Close Ended Open Ended
as stocks, bonds, money market instruments Scheme Scheme
and other assets. Mutual Funds are regulated
in India by SEBI. A scheme where It is available for
funds are raised subscription and
The most popular types of mutual funds in for a fixed period repurchase on a
India are - and is wound up continuous basis
• Equity funds after a certain and do not have a
• Debt funds period. fixed maturity
• Money market funds period.
• Index funds
26. Basel Norms
- The Basel accord are a set of agreements 1. 0% Risk

set by Basel Committee on Banking 2. 10% Risk
Supervision (BCBS) which provides 3. 20% Risk
recommendation on banking regulation 4. 50% Risk
with respect to capital risk, market risk and 5. 100% Risk
operational risk.
Basel Norms II
- The BCBS's secretariat is located at Bank
of International Settlements in Basel, The 3 main pillars of the Basel Norms II are:
Switzerland. - Minimum Capital requirement
- Supervisory Review
- The purpose of this accord is to ensure
- Market discipline
that financial institutions have enough
capital to meet obligations and absorb
India adopted Basel-II in 2009.
unexpected stress.
Basel Norms III
Capital Adequacy Ratio:
- RBI extended the timeline for fully
implementation of Basel-III capital regulation
by a year to March 31st, 2019.
Basel Norms I - Indian government estimated the total Risk

Weighted Assets till 2019 will be 120 lakh
It divides the asset account to risk in 5 crore Rupees and where CAR is minimum 9%.
categories:-
27. List of International Airports in India
Airports State/ Union Veer Savarkar Andaman and

City
Name Territory International Port Blair Nicobar
Airport Islands
Visakhapat- Visakha- Andhra Chhatrapati

nam Airport patnam Pradesh Shivaji
Mumbai Maharashtra
International
Airport
Lokpriya
Gopinath
Bordoloi Guwahati Assam Dr. Babasaheb
International Ambedkar
Nagpur Maharashtra
Airport International
Airport
Gaya Airport Gaya Bihar
Pune Interna-
Pune Maharashtra
tional Airport
Indira Gandhi
International New Delhi Delhi
Airport Tulihal Airport Imphal Manipur
Goa Biju Patnaik

Whole Bhuban-
International Goa International Odisha
state eswar
Airport Airport
Sardar Sri Guru Ram

Vallabhbhai Ahmed- Dass Jee
abad Amritsar Punjab
Patel Gujarat International
International Airport
Airport
Jaipur
Kempegowda International Jaipur Rajasthan
International Bengaluru Karnataka Airport
Airport
Rajiv Gandhi
Hydera-
Mangalore Karnataka International Telangana
Manga- bad
International Airport
lore
Airport
Chennai
Cochin International Chennai Tamil Nadu
International Kochi Kerala Airport
Airport
Jaipur
Coimba-
Calicut Kerala International Tamil Nadu
tore
International Kozhikode Airport
Airport
Rajiv Gandhi
Tiruchira-
Trivandrum Thiruvan- International Tamil Nadu
palli
International anthap- Kerala Airport
Airport uram
Chennai Chaudhary
Meghal- State/Union
International Shillong Charan Singh City
aya Territory
Airport Airport
Coimbatore Andaman and

Lal Bahadur
International Port Blair Nicobar
Lucknow Uttar Pradesh Shastri Airport
Airport/Civil Islands
Aerodrome
Netaji
Tiruchirapalli Subhash
Visakhap- Andhra
International Varanasi Uttar Pradesh Chandra Bose
atnam Pradesh
Airport International
Airport
Zakuri
International Kolkata West Bengal
Airport
28. List of Revolutions in India
Revolution Product Pink Revolution Onions, Prawn
Black Revolution Petroleum Product Red Revolution Meat, Tomato

Production
Blue Revolution Fish Production

Evergreen overall agriculture
Revolution production growth
Brown Revolution Leather, Cocoa
Round Revolution Potato Production

Golden Fibre Jute Production
Revolution
Silver Fibre Cotton Production
Revolution
Golden Revolution Overall Horticulture,
Honey, Fruit
Production Silver Revolution Egg Production
Green Revolution Agriculture White Revolution Dairy, Milk

Production Production
Yellow Revolution Oil Seed Production

Grey Revolution Fertilizers
Round Revolution Potato
29. Indian & International Bank Taglines

Indian Banks and their Taglines Syndicate Manipal Faithful and

Bank Friendly
Banks HQ Tagline Corporation Mangalo Prosperity for all
Bank re
State Bank Mumbai With you all the Karnataka Mangalo Your Family
India way Bank re Bank, Across
Axis Bank Mumbai Badhti ka Naam India
Zindagi Indian Bank Chennai Your Own Bank
Bank of Mumbai Indian Chennai Good People to
India International Overseas grow with
Bank Bank
Central Mumbai Central to You Lakshmi Chennai The Changing
Bank of Since 1911 Vilas Bank face of
India Prosperity
Dena Bank Mumbai Trusted Family South Indian Kerala Experience Next
Bank Bank Generation
HDFC Bank Mumbai We Understand Banking
your World Dhan Kerala Tann Mann
IDBI Bank Mumbai Banking for all/ Lakshmi Dhan
Aao sochein Bank
bada Andhra Hyder- Where India
ICICI Bank Mumbai Hum hai na, Bank abad Banks
Khayal apka Bank of Vado-
IDFC Bank Mumbai Banking hatke Baroda dara International
IndusInd Mumbai We Make you Bank
Bank Feel Richer Citi Union Tamil Trust and
Kotak Mumbai Let's make bank Nadu Excellence since
Mahindra money simple 1904
Bank Karur Vysya Tamil Smart Way to
Yes Bank Mumbai Experience your Bank Nadu Bank
Expertise Oriental Guru- Where Every
Bank of Pune Ek Parivar ek Bank of gram, Individual is
Maharashtra Bank Commerce Haryana Committed
Allahabad Kolkata A Tradition Of Federal Kochi Your Perfect
Bank Trust bank Banking Partner
Bandhan Kolkata Aapka Bhala
Bank Sabki Bhalai International Banks and their Taglines
United Bank Kolkata The Bank thandit
of India Bank Tagline
UCO Bank Kolkata Honors your
Trust American Do more
Express Bank
Union Bank Kolkata Good People to BNP Paribas The bank for a changing
of India Bank with world
Punjab New The Name You Barclays Bank Fluent in finance
National Delhi Can Bank Upon City Bank
bank Citi never sleeps
Punjab and New Where Service is DBS Bank Living, Breathing Asia
Sind Bank Delhi a way of life Deutsche Bank A Passion to Perform
Canara Bengalur Together we can HSBC Bank
Bank u JPMorgan The right relationship is
Vijaya Bank Bengalur A Friend you can Chase Bank everything
u Bank upon Royal Bank of Make it happen
Scotland
Scotia Bank State Bank Pure banking nothing

think Group else
Your Right Partner
than you think
30. Union Cabinet Ministers & their Constituency
Department Ministers Constituen Ministry of Mukhtar Jharkhand,

cy Minority Affairs Abbas Rajya
Naqvi Sabha
Ministry of Minister of Suresh Andhra

Personnel, Commerce and Prabhu Pradesh,
Public Narendra Industry Rajya
Grievances and Modi Varanasi, Sabha
Pensions, Uttar
Ministry of Pradesh Ministry of Prakash Madhya
Atomic Energy, Human Javadekar Pradesh,
Ministry of Resource Rajya
Space All Development Sabha
Important
Policy Issues, Minister of Ravi Bihar
All Other Law and Shankar Rajya
Portfolios not Justice Prasad Sabha
allocated to any Minister of
Minister Electronics
and Informa
tion
Ministry of Rajnath Lucknow, Technology
Home Affairs Singh Uttar
Pradesh
Minister of D.V. Bangalore
Ministry of Sushma Vidisha, Statistics and Sadananda North,
External Affairs Swaraj Madhya Programme Gowda Karnataka
Pradesh Implementation
Ministry of Nitin Nagpur, Minister of Uma Bharti Jhansi,

Road Transport Jairam Maharashtr Drinking Water Uttar
& Highways, Gadkari a and Sanitation Pradesh
Ministry of
Shipping, Ministry of Hajipur,
Ministry of Consumer Ram Vilas Bihar
Water Affairs & Food Paswan
Resources, & Public
River Distribution
Development
and Ganga Ministry of Piyush Deoria,
Rejuvenation Railways Goyal Uttar
Minister of Pradesh
Coal,Ministry
Minister Arun Gujarat, of Finance
without Jaitley Rajya (Additional
portfolio Sabha Charge),Ministr
y of Corporate Ministry of Thawar Madhya

Affairs Social Justice & Chand Pradesh,
Empowerment Gehlot Rajya
Sabha
Maneka Pilibhit,
Ministry of Sanjay Uttar Ministry of Jual Oram Sundargarh
Women & Child Gandhi Pradesh Tribal Affairs , Odisha
Development
Ministry of Radha Purvi
Agriculture and Mohan Champaran
Ministry of Ananthku Ananthkum Farmers Singh , Bihar
Chemicals and mar ar Welfare
Fertilizers,Minis
ter of Minister of Smriti Gujarat,
Parliamentary Textiles Zubin Irani Rajya
Affairs Sabha
Ministry of Radha Purvi

Ministry of Chaudhary Chaudhary Agriculture and Mohan Champaran
Steel Birender Birender Farmers Singh , Bihar
Singh Singh Welfare
Jagat Prakash Ministry of Himachal Ministry of Dharmendr Deogarh,

Nadda Health & Pradesh, Petroleum and a Pradhan Orissa
Family Rajya Natural Gas,
Welfare Sabha Minister of Skill
Development
Ministry of Anant Raigad, and
Heavy Geete Maharashtr Entrepreneurshi
Industries and a p.
Public
Enterprises
Ministry of Chandni
Ministry of Harsimrat Bathinda, Science and Harsh Chowk,
Food Kaur Badal Punjab Technology, Vardhan Delhi
Processing Ministry of
Industries Earth Science,
Ministry of
Ministry of Narendra Gwalior, Environment,
Rural Singh Madhya Forest and
Development, Tomar Pradesh Climate
Ministry of Change
Panchayati Raj,
Ministry of
Mines Ministry of Nirmala Rajya
Defence Sitharama Sabha,
n Karnataka
31. Census 2011
The Indian Census 2011 was referred to as country and the seven Union Territories.
the seventh census operation after Indian There have been surveys on cities and
Independence. The national census 2011 districts as well. The data of Indian census
has been run on all the 28 states of the 2011 covers all the major aspects of society
like population, sex ratio and literacy

percentage as well. In any government
point of view the topic is very important.
Here are some highlights on census
• First census was conducted in 1872.

• Census 2011 were released in New Delhi
on 31st March 2011 by Union Home
Secretary GK Pillai and RGI C
Chandramouli.
• Census 2011 was the 15th census of india
& 7th census after Independence.
• Census 2011 was the 15th census of india
& 7th census after Independence.
• Total estimated cost of the Census was
INR 2200 crore (US$350 million).
• Total Population estimated
1,210,569,573 (1.21 Billion).
• India in 2nd rank in population with
17.64%. decadal growth & China is 1st
rank with decadal growth 19% (over 1.35
billion).
rank with decadal growth 19% (over 1.35
billion).
rank with decadal growth 19% (over 1.35 Sex Ratio State
billion).
• Total male Population - [Males 623.7 Sex Ratio (Females per Kerala (1084)
million (51.54%)]. 1000 Males)
• Total Females Population 586.46 million Lowest sex ratio Haryana (879)
(48.46%). Highest sex ratio in UT Pondicherry
• Highest Populated State Uttar Pradesh (1037)
followed by Maharashtra and Bihar. Lowest sex ratio in UT Daman and Diu
• Least Populated State Sikkim (618)
• Highest Populated Union territory New Child (0-6 years) sex 914
Delhi ratio
• Least populated Union Territory - Highest child (0-6) sex Mizoram (971)
Lakshadweep followed by Daman and Diu ratio in state
• Highest Urban population In India- Lowest child (0-6) sex Haryana (830)
Maharashtra 4,11,00,980 ratio in state
• Lowest urban Population in india -
Lakshadweep 26,967 Literacy Rate in India
• Highest Rural Population in india - Uttar
Pradesh 13,16,58,339 Males 82.14%
• Lowest Rural Population in india (state &
Females 65.46%
UT)- Lakshadweep 33,683
Highest Kerala (94%)
Literacy Rate in
State
Sex Ratio (Females per 1000 Males)- 943 :
Lowest Literacy Bihar (61.8%)
1000 Rate in State
Highest Lakshadweep (91%) Lowest Literacy Dadra and Nagar Haveli

Literacy Rate in Rate in UT (76.24%
UT
32. List of Important Rivers on Cities
Name of the Name of the City Hugli Kolkata

River Jhelum Srinagar
Kali Karwar
Alaknanda Badrinath Kaveri Tiruchirapalli
Bhadra Bhadravathi Erode
Brahmani Rourkela Krishna Vijayawada
Brahmaputra Dibrugarh Sangli
Guwahati Mahanadi Banki
Chambal Kota Cuttack
Gwalior Mahanadi Sambalpur
Cooum, Adyar Chennai Narmada Jabalpur
Daman Ganga Daman Bharuch
River Netravati, Mangalore
Ganga Mirzapur Gurupura
Ganga, Yamuna Allahabad Noyyal Coimbatore
& Saraswati Panchaganga Kolhapur
Ganges Bhagalpur Pennar Nellore
Haridwar Rapti Gorakhpur
Kanpur Sabarmati Ahmedabad
Patna Saryu Ayodhya
Varanasi Savitri Mahad
Farrukhabad Sharavathi Honnavar
Fatehgarh Shipra Ujjain
Kannauj Sutlej Ferozepur
Kanpur Cantonment Tapi Surat
Shuklaganj Tungabhadra Koodli
Chakeri Ulhas Karjat
Hajipur Vaigai Madurai
Ghataprabha Bagalkot Vishwamitri Vadodara
Girna River Malegaon Vrishabhavathi Bangalore
Godavari Rajahmundry Yamuna Agra
Nashik New Delhi
Nanded Mathura
Nizamabad Auraiya
Gomti Jaunpur Etawah
Lucknow
33. List of Major Ports in India
Name of the Coast State Jawaharlal Western Maharashtra

Sea Ports Nehru Coast
Marmugoa Western Goa
Kandla Western Gujarat Coast
Coast Mangalore Western Karnataka
Mumbai Western Maharashtra Coast
Coast
Cochin Western Kerala Chennai Eastern Tamil Nadu

Coast Coast
Haldia Eastern West Bengal Ennore Eastern Tamil Nadu
Coast Coast
Paradip Eastern Odisha Tuticorin Eastern Tamil Nadu
Coast Coast
Vishakapatnam Eastern Andhra
Coast Pradesh
34. Major Atomic/Thermal/Hydro Power Plants
There are 3 major resources through which consumed in India are generated by
Power Station runs in India. thermal power plants.
1. Nuclear Power Plants Thermal Power Station State

2. Thermal Power Plants
3. Hydropower Plants Singrauli Thermal Power Madhya
Plant Pradesh
Nuclear Power Plant in India Ramagundam Thermal Andhra
Nuclear power stations are the fourth- Power Plant Pradesh
largest source of electricity in India after Dadri Thermal Power Uttar Pradesh
Thermal, Hydroelectric and Renewable plant
sources of electricity. As of 2016, India has Talcher Thermal Power Odisha
21 nuclear reactors in 7 Nuclear Power plant
plants. Some Nuclear Power plants are Korba Thermal Power Chhattisgarh
under construction and some are planned plant
projects which will be implemented in Vindhyachal Thermal Madhya
future. Power plant Pradesh
Farakka Thermal Power West Bengal
Atomic Power Station State plant
Mudra Thermal Power Gujarat
Narora Nuclear Power plant Uttar plant
Pradesh Sipat Thermal Power Chhattisgarh
Rawatbhatta Nuclear Rajasthan plant
Power plant Rihand Thermal Power Uttar Pradesh
Kakarpar Nuclear Power Gujarat plant
plant Jharsuguda Thermal Odisha
Kaiga Nuclear Power plant Karnataka Power plant
Kundankullam Nuclear Tamil Nadu Tiroda Thermal Power Maharashtra
Power plant plant
Kalpakkam Nuclear Power Tamil Nadu Anpara Thermal Power Uttar Pradesh
plant plant
Tarapur Nuclear Power Maharashtra Barauni Thermal Power Bihar
plant plant
Rajasthan Atomic Power Rajasthan Bellary Thermal Power Karnataka
Station plant
Durgapur Thermal Power West Bengal
Thermal Power Plant in India plant
Thermal power is the largest source of Sikka Thermal Power Gujarat
power in India. There are different types of plant
Thermal power plants based on the fuel Satpura Thermal Power Madhya
used to generate the steam such as coal, plant Pradesh
gas, and Diesel. About 65% of electricity
Wanakbori Thermal Gujarat

Indirasagar Narmada Madhya
Power plant
Hydro Electric Pradesh
Obra Thermal Power Uttar Pradesh Power plant
plant
Udupi Thermal Power Karnataka Sharavathi Sharavathi Karnataka
plant Hydro Electric
Simhadri Thermal Power Andhra Power plant
plant Pradesh
Dehar Hydro Beas Himachal
Hydropower Plant in India Electric Power Pradesh
Hydropower is one of the oldest and widely plant
used renewable sources of energy. India is
the 7th largest producer of hydroelectric Kalinadi Hydro Kalinadi Karnataka
power in the world and ranks 3rd Electric Power
worldwide by its total number of dams. plant
Teesta Hydro Teesta Sikkim

Hydropower City State Electric Power
Station plant
Baira-Siul Baira Himachal

Koyna Hydro Koyna Maharashtr Hydro Electric Pradesh
Electric Power a Power plant
plant
Salal Hydro Chenab Jammu
Hirakund Mahanadi Odisha Electric Power and
Hydro Electric plant Kashmir
Power plant
Machkund Machkund Andhra
Idukki Hydro Periyar Kerala Hydro Electric Pradesh,
Electric Power Power plant Orissa
plant
Nagarjuna Krishna Andhra Balimela Sileru Odisha

Hydro Electric Pradesh Hydro Electric
Power plant Power plant
Tehri Hydro Bhagirathi Uttarakhan Subarnarekha Subarnarek Jharkhand

Electric Power d Hydro Electric ha
plant Power plant
Bhakra Nangal Sutlej Himachal Shivanasamud Kaveri Karnataka

Hydro Electric Pradesh ra Hydro
Power plant Electric Power
plant
Sardar Sarovar Narmada Gujarat
Hydro Electric Loktak Hydro Leimtak Manipur
Power plant Electric Power
plant
Nathpa Jhakri Sutlej Himachal
Hydro Electric Pradesh Rihand Hydro Rihand Madhya
Power plant Electric Power Pradesh,
plant Uttar
Srisailam Krishna Andhra Pradesh
Power plant
Rangit Hydro Rangit Sikkim Uri Hydro Jhelum Jammu

Electric Power Electric Power and
plant plant Kashmir
Bansagar Sone Madhya

Power plant
35. List of upcoming Sports Venues
Asian Games Winter Olympic Venue
Asian Games 2018 is a Pan India Multi Venue of Olympics 2014 Sochi, Russia
Continental Event will be the 18th Asian Venue of Olympics 2018 PyeongChang,
Games which will going to be schedule from South Korea
18th August 2nd September 2018. The Game
Venue of Olympics 2022 Beijing, China
is also known as Jakarta Palembang 2018.
Sports Venue 2014- Incheon, South Korea
Sports Venue 2018- Jakarta, Palembang, ICC World Cup
Indonesia
The ICC Cricket World Cup is the
Sports Venue 2022- Hangzhou, China international championship of One Day
International cricket. The event is organised
Commonwealth Games by the sport's governing body, the
International Cricket Council, every four
The Commonwealth Games are an years.
international multi-sport event involving Venue of ICC World Cup 2015 - Australia,
athletes from the Commonwealth of Nations. New Zealand
The event was first held in 1930 and has taken Venue of ICC World Cup 2019 - England,
place every four years since then. Wales
Venue of CWG 2014 - Glasgow, Scotland
Venue of ICC World Cup 2013 - India
Venue of CWG 2018 Gold Coast,
Australia
ICC World Cup T20
Venue of CWG 2022- Birmingham,
England World Cup 2014 - Bangladesh
World Cup 2018 India
Olympics Games
World Cup 2022 Australia
The Winter Olympic Games is a major
international sporting event held once every
four years for sports practised on snow and
ice. The first Winter Olympics, the 1924 Venue of Women World Cup 2013 - India
Winter Olympics, were held in Chamonix, Venue of Women World Cup 2017 -
France. England
Venue of Women World Cup 2021 - New
Summer Olympic Venue
Zealand
Venue of Olympics 2016 Rio De Janeiro,
Brazil
Venue of Olympics 2020 Tokyo, Japan
-
Venue of Olympics 2024 Paris, France Bangladesh
-
India 2018 - London, England
Australia FIFA World Cup
Venue of FIFA World Cup 2014 - Brazil

Venue of FIFA World Cup 2018 - Russia
Venue of Hockey World Cup 2010 - New Venue of FIFA World Cup 2022 - Qatar
Delhi, India
Venue of Hockey World Cup 2014 - The
Hague, Netherlands
Venue of Hockey World Cup 2018 - Venue of FIF -
Bhubaneswar, India Canada
World Cup 2019 -
France
FIFA U 17 World Cup

2010 - Rosario, Argentina
Venue of FIFA U17 World Cup 2015 -Chile
2014 - The Hague , Netherland, London Venue of FIFA U17 World Cup 2019 India
36. List of Newly Appointed National Officials
• President of India - Mr. Ram Nath • Comptroller and Auditor General of

Kovind India - Mr. Rajiv Mehrishi
• Vice-President of India - Mr. Venkaiah • Registrar General of India and
Naidu Census Commissioner - Mr. Sailesh
• Prime Minister of India - Mr. Narendra • Central Vigilance Commissioner - Mr.
Modi K V Chowdary
• Chief Justice of India - Mr. Dipak • Chief Information Commissioner - Mr.
Misra R K Mathur
• Attorney General of India- Mr. K. K. • National Security Advisor Mr. Ajit
Venugopal Kumar Doval
• Solicitor General of India - Mr. Ranjit • Chief Economic Advisor - Mr. Arvind
Kumar Subramanian
• Supreme Commander of Armed • Principal Scientific Advisor to
Forces- President Ram Nath Kovind Government - Dr. R Chidambaram
• Chief of the Army Staff- Bipin Rawat • Scientific Advisor to Defence Minister
• Chief of the Air Staff - Birender Singh - G Satheesh Reddy
Dhanoa • Cabinet Secretary - Mr Pradeep
• Chief of the Naval Staff - Sunil Lanba Kumar Sinha
• Chairperson of Rajya Sabha - Vice • Foreign Secretary - Mr. S Jaishankar
President Venkaiah Naidu • Finance Secretary- Mr. Ashok Lavasa
• Deputy Chairperson of Rajya Sabha - • Revenue Secretary- Mr. Hasmukh
Mr. P J Kurien Adhia
• Speaker of Lok Sabha - Mrs. Sumitra • Director General of Border Security
Mahajan Force (BSF) - Mr. K K Sharma
• Deputy Speaker of Lok Sabha- Mr. M • Director General of National Security
Thambidurai Guard (NSG) - Mr. Sudhir Pratap
• Chief Election Commissioner - Mr. Singh
Achal Kumar Jyoti
• Director General of National • Governor of Reserve Bank of India

Investigation Agency (NIA) - Mr. (RBI) - Mr. Urjit Patel
Sharad Kumar • Chairperson of Central Board of
• Director of Intelligence Bureau (IB) - Direct Taxes (CBDT) - Mr. Sushil
Mr. Rajiv Jain Chandra
• Director of Central Bureau of • Chairperson of Central Board of
Investigation (CBI) - Mr. Alok Verma Excise and Customs - Ms. Vanaja
• Director of Research Analysis Wing Sarna
(RAW) - Mr. Anil Dhasmana • Chairperson of Securities and
• Director General of Directorate of Exchange Board of India (SEBI) - Mr.
Revenue Intelligence - Mr. Debi Ajay Tyagi
Prasad Dash • Chairperson of Insurance Regulatory
• Chairperson of Atomic Energy and Development Authority (IRDA) -
Commission - Mr. Sekhar Basu Mr. T S Vijayan
• Chairperson of 21st Law Commission • Chairperson of National Bank for
- Justice B S Chauhan Agriculture and Rural Development
• Chairperson of 14th Finance (NABARD) - Mr. Harsh Kumar
Commission - Dr. Y V Reddy Bhanwala
• Chairperson of National Commission • Chairperson of Central Pollution
for Women - Ms. Lalitha Control Board - Mr. S P Singh Parihar
Kumaramangalam • Chairperson of Railway Board - Mr.
• Chairperson of National Human Ashwani Lohani
Rights Commission - justice H L Dattu • Chairperson of Bank Board Bureau
• Chairperson of University Grants (BBB) - Mr. Vinod Rai
Commission (UGC) - Dr. V. S. • Chairperson of Central Board of
Chauhan Secondary Education (CBSE) - Mr.
• Chairperson of UPSC - Mr. David Rakesh Kumar Chaturvedi
R.Syiemlieh • President of Sahitya Akademi - Dr.
• Chairperson of Indian Space Research Vishwanath Prasad Tiwari
Organisation (ISRO) - Mr. A S Kiran • Chairperson of Lalit Kala Akademi -
Kumar Mr. C S Krishna Shetty
• Chairperson of Defence Research and • Chairperson of NITI Aayog - PM
Development Organisation (DRDO) - Narendra Modi
Dr. S Christopher • Vice Chairperson of NITI Aayog -
• Chairperson of Atomic Energy Mr. Rajiv Kumar
Regulatory Board (AERB) - Mr. Shiv • Chairperson of Telecom Regulatory
Abhilash Bhardwaj Authority of India (TRAI) - Mr. Ram
• Director General of Indian Council of Sewak Sharma
Agricultural Research (ICAR) - Dr. •
Trilochan Mohapatra United Nations Mr. Rajiv Kumar
• Director General of Council of Chander
Scientific and Industrial Research • Chairperson of National Green
(CSIR) - Dr. Girish Sahni Tribunal (NGT) - Justice Swatanter
Kumar
37. National Parks & Wildlife Sanctuaries
State National Wildlife Sir Hugh

Park Sanctuary Rose Island
Wildlife
Andaman & Campbell Barren Sanctuary
Nicobar National Park Island Andhra Sri Venkates- Krishna
Wildlife Pradesh wara Wildlife
Sanctuary National Park Sanctuary
Papikonda Kolleru Sanctuary

National Park Lake Hemis
Arunachal Namdapha Dibang National Park Hirpora
Pradesh National Park Wildlife Wildlife
Sanctuary Sanctuary
Mouling
National Park Talley
Valley Jharkhand Betla Palamau
Wildlife National Park Wildlife
Sanctuary Sanctuary
Assam Dibru Sonai Rupai
Saikhowa Wildlife Dalma
National Park Sanctuary Wildlife
Sanctuary
Kaziranga Pabha Karnataka Anshi Ghatapra-
National Park Wildlife National Park bha Wildlife
Sanctuary Sanctuary
Manas Dipor Bil Bandipur
National Park Wildlife National Park Bhimgad
Sanctuary Wildlife
Orang Bannerghatta Sanctuary
National Park National Park
Bihar Valmiki Gautam Sharavathi
National Park Buddha Valley
Wildlife Wildlife
Sanctuary Sanctuary
Kerala Periyar Parambi-
Rajgir National Park kulam
Wildlife Wildlife
Sanctuary Anamudi Sanctuary
Chhattis- Indravati Bhairam- National Park
garh National Park garh Malabar
Wildlife Wildlife
Guru Sanctuary Sanctuary
Ghasidas Madhya Van Vihar Bori
National Pradesh National Park Wildlife
Park Sanctuary
Goa Bhagwan Bondla Kanha Kisli
Mahavir Wildlife National Park Ken Gharial
National Park Sanctuary Sanctuary
Salim Ali Fossil Gandhi

Bird National Park Sagar
Sanctuary Sanctuary
Gujarat Gir forest Indian Wild Bandhavgarh
national park Ass National Park
Sanctuary Maharashtra Chandoli Great
Blackbuck National Park Indian
National Park Kutch Bustard
Desert Sanjay Wildlife
Marine Wildlife Gandhi Sanctuary
National park Sanctuary National Park
Jammu & Dachigam Karakoram
Kashmir National Park Wildlife
Tadoba Phansad Wildlife

National Park Wildlife Sanctuary
Sanctuary Tamil Nadu Gulf of Point
Pench Mannar Calimere
National Koyna National Park Wildlife
Park Wildlife Sanctuary
Sanctuary Palani Hills
Manipur Keibul - National Park
Lamjao
National Park Mudumalai
National Park
Balphakram Telangana Mahavir Eturnag-
National Park Harina aram
Meghalaya Nokrek - Vanasthali Wildlife
National Park National Park Sanctuary
Mizoram Phawngpui Dampa
Blue Tiger Pranahita
Mountain Reserve Wildlife
National Park Sanctuary
Nagaland Intanki - Tripura Bison -
National Park National Park
Odisha Bhitarkanika Chilika Bird
National Park Sanctuary Clouded
Leopard
Simlipal National Park
National Park Uttarak- Valley of -
Punjab - Abohar hand Flowers
Wildlife National Park
Sanctuary
Rajaji
Harike Lake National Park
Wildlife
Sanctuary Nanda Devi
Rajasthan Desert Mount Abu National Park
National Park Wildlife
Sanctuary Jim Corbett
Keoladeo National Park
National Park Sariska Uttar Dudhwa Kaimur
Tiger Pradesh National Park Sanctuary
Rantham- Reserve
bore National Okhla Bird
Park Sanctuary
West Bengal Neora Buxa Tiger
Darrah National Park Reserve
National Park
Sikkim Kanchend- Kyongnosla Murti
zonga Alpine Wildlife
National Park Sanctuary
38. Important Days
MAY
Date Day Theme JUNE

Uniting workers World
5 Beat plastic
1 International for social and Environment
June pollution
May Labour Day economic Day
advancement World Day
12 Generation safe
2 World Asthma Never too early, against Child
June and healthy
May Day Never too late Labour
Keeping power 14 World Blood Blood connects
3 World Press in check, Media, June Donor Day us all
May Freedom Day Justice and the 21 International
Yoga for peace
rule of law June Yoga Day
Memorable Listen first -
8 World Red smiles from Listening to
International
May Cross Day around the your children
26 Day against
world and youth is the
June Drug Abuse and
Science and first step to help
Illicit Trafficking
11 National technology for a them grow
May Technology Day sustainable healthy and safe
future JULY
Enabling the
Family planning
positive use of 11 World
and human
artificial July Population Day
International heart
17 intelligence (AI)
Telecommuni- 12 International
May to accelerate -
cation Day July Malala Day
the
15 World Youth
implementations -
July Skills Day
of the SDG
26 Kargil Vijay
International -
Celebrating 25 July Diwas
22 Day for
years of action 29
May Biological World Tiger Day -
for biodiversity July
Diversity
39. Joint Military Exercises
Name of Countri Place Duratio McChord

Exercise es n , United
States
Surya India Pithoraga Vinbax 1 India Jabalpur 30
Kiran XIII and rh, India and in January
Nepal Vietnam Madhya -3
Lamitye India Mahe, 24 Feb - Pradesh Februar
VIII and Seychelle 4 y
Seychell s March Hamesha Souther Rajasthan 16 - 22
es Vijayee n Decem
Shakti IV India Mailly 31 Jan - Comma ber
and le 5 Feb nd
France Camp. Ekuverin India Belgaum, 14 - 27
France VIII and India Decem
Vajra India Joint January Maldive ber
Prahar and US Base s
Lewis-
Ajeya India Mahajan 1 - 14 SURYA Nepal Saljhandi, 3 - 16

Warrior and UK Firing Decem KIRAN- And Nepal Sep
Range, ber XII Indian 2017
India Army
IMBAX I India Shillong, 20 - 25 Maitree Indian Himanch 3 To 17
and India Novem Army al July
Myanma ber And Pradesh, 2017
r Royal India
Danx 50 Andaman 20 - 24 Thailand
Parachu & Novem Army
te Nicobar ber Thar X Corps Rajasthan 17 April
Brigade Islands, Shakti , India - 17
India May
Sampriti India Shillong, 6 - 11 NOMADI India- Mizoram, 5 - 18
VII and India Novem C Mongoli India April
Banglad ber ELEPHA an 2017
esh NT Military
PRABAL India Himachal 2 - 15 Exercise
DOSTYK And Pradesh, Nov Bold India Madhya 4 - 21
Kazakhs India 2017 Kuruksh and Pradesh, March
tan etra Singapo India
Army re
INDRA Indo- Sea Of 19 - 29 AL- Oman Himachal 6 - 19
Russia Japan Oct NAGAH- And Pradesh, March
Armed Near 2017 II Indian India 2017
Forces Vladivost Army
ok, Russia SURYA Nepal Uttarakha 7 - 20
MITRA India - Pune, 13 - 25 KIRAN- And nd, India March
SHAKTI Sri India Oct XI Indian 2017
Lanka 2017 Army
Army Khanjar India Kok 20
YUDH United Washingt 14 - 27 IV and Jhangak, Februar
ABHYAS States on, US Sep Kyrgyzst Kyrgyzsta y-5
And 2017 an n March
Indian
Army
40. Reports & Indices
Report/ Publis- HQ Rank innovatio

Index hed by n policy
centre
Ease of World Washing 100 World Internati Washing -

doing Bank ton DC economic onal ton DC
business outlook monetary
report fund
Internationa US US 44 World trade World Switzerl

l intellectual chamber outlook Trade and
property of organizat
index Commer ion
ce Global
Global World Switzerl 108 Global World 40

Gender Gap economi and Competitiv Economi
Index c forum eness Index c forum
Gender UNESCO Paris, 108 Environmen World Switzerl 177

Parity Index France tal Economi and
Performanc c Forum
World United 133 e Index
Happiness nations
report sustainab Global Internati Washing 100
le Hunger onal food ton (2017)
develop Index policy
ment research
solution
network Inclusive Econo- - 47
Internet mist
World Internati Geneva, 1 Index Intellig-
Migration onal Switzerl ence Unit
Report Migratio and
n World Press Reporter France 138
Organisa Freedom s without
tion Index border
41. Classical Folk Dances
Classical Dance
Rasleela Uttar Pradesh
Dance State Bihu Assam
Fugdi Goa
Bharatanatyam Tamil Nadu
Garba, Dandiya Raas Gujarat
Manipuri Manipur
Raut nacha Chhattisgarh
Odissi Odisha
Maach Madhya Pradesh
Kuchipudi Andhra Pradesh
Thang ta Manipur
Kathakali Kerala
Dumhal, Rauf Jammu and kashmir
Kathak Uttar Pradesh
Nati Himachal pradesh
Sattriya Assam
Giddha, Bhangra Punjab
Mohiniyattam Kerala
Ghumura Odisha
Folk Dance Lavni Maharashtra
Ghoomar, Kalbelia Rajasthan

Dance State
Puli kali Kerala
Chhau West Bengal
42. Stock Exchanges Around the World
Stock Exchange Country Hong Kong Stock Hong Kong

Located Exchange
Bombay Stock Exchange India NASDAQ USA
National Stock Exchange India Tokyo Stock Exchange Japan

of India
London Stock Exchange UK
Euronext European
Union
Bombay Stock Exchange has become the
B3 Brazil
Shanghai Stock Exchange China Designated Offshore Security Market by

US security and exchange Commission.
43. Nick Names of Cities
Nicknames Cities Blue City Jodhpur

Orange city Nagpur
City of Pearls Hyderabad Cotton City Akola
Silicon Valley of India Bengaluru Land of Litchi Muzaffarpur
Venice of East Alappuzha Queen of Arabian Sea Kochi
Mini Bombay Indore City of Black Diamonds Asansol
Manchester of East Kanpur Sandalwood City Mysore
Athens of East Madurai
44. Currency Printing & Coin Minting in India
Currency Printing in India Bharatiya Reserve Bank Note Mudran Pvt

Limited - RBI formed a wholly owned
Nashik - The bank note printing in India subsidiary Bharatiya Reserve Bank Note
started in 1928 with the establishment of India Mudran Private Limited. The BRBNMPL was
Security Press at Nashik by Government of incorporated as a Private Limited Company
India. on 3rd February 1995.
Mysore - The demand for banknotes has been Coin Minting in India
steadily increasing. To bridge the demand and
supply gap, the Government of India decided Mumbai - It was established in 1829. Bombay
to establish the new bank note printing press (Mumbai) Mint has a diamond under the date
at Mysore (Karnataka). of the coin (year of issue).
Dewas (MP) - The second bank note printing Alipore (Kolkata) - It was established in 1757.
press was established in Dewas (Madhya Kolkata mint has no mark under the date of
Pradesh) in 1975 by Government of India. the coin (year of issue).
Saifabad (Hyderabad) - It was established in under the date of the coin (year of issue). The
the 17th century. Hyderabad Mint has a star other mint marks from Hyderabad include a
under the date of the coin (year of issue). The split diamond and a dot in the diamond.
other mint marks from Hyderabad include a
Noida (UP) - It was established in 1988. Noida
split diamond and a dot in the diamond.
mint has a dot under the year of issue (coin
Cherlapally (Hyderabad) - It was established date).
in the 17th century. Hyderabad Mint has a star
45. Important Terms
Fiscal Responsibility and Budget Property tax, stamp duty is the type of ad
Management Act valorem tax.
This act was enacted in 2003 for balancing Venture Capital Funds
budget by reducing the fiscal deficit. Its
It is an investment fund, which helps in
objective is to bring fiscal stability by
development of new products/startup.
introducing a transparent fiscal management
system.
MUDRA Scheme
MUDRA is an acronym of Micro Units

Development and Refinance Bank Agency.
The scheme was launched on 8th april 2015.
Under this scheme MUDRA banks are set up
which will provide loans at the low rates to
the small and micro enterprises with less than
10 lakh credit requirement. Commercial
banks, RRBs, cooperative banks, small finance
banks, registered microfinance institutions
and NBFC are authorized to provide loans
under the MUDRA scheme. Loans under this
scheme is categorised in three categories -
1. Shishu - Up to Rs. 50,000
2. Kishore - Up to Rs. 5 lakh
3. Tarun - Up to Rs. 10 lakh
Dividend Distribution Tax
The tax levied on the dividend is to be paid by

domestic companies only.It is paid on gross
amount of dividend. Cess and surcharge of
3% and 12% respectively, is also charged on
that dividend. Presently 15% DDT is levied.
Venture capital fund manages money of the
DDT is levied on mutual funds too.
investors who provide capital to startup and
Ad Valorem Tax small and medium size enterprises, expecting
long term returns. These funds are regulated
The tax imposed on goods and services by SEBI. These funds are risky and envisage
according to their value. Sales tax, VAT, high returns. There are three types of VCFs -
1. Early stage financing Monetary Policy
2. Expansion financing It is a tool used by central bank to regulate

money supply in economy. Interest rates and
3. Acquisition or buyout financing
credit ratios are the policy instruments of
Security Transaction Tax monetary policy. It focuses on economic
stability.
The tax paid on the transaction of securities
Interest Rate Risk
listed in the stock market. It is levied on
shares, debentures, derivatives and equity The bond owner bears the risk arises due to
mutual funds. This tax was introduced in 2004 the fluctuation in interest rates.
to stop the avoidance of capital gain tax. Off
market share transaction are excluded from Fiscal Deficit
Security transaction tax.
When government spends more than its
Capital Gains Tax income then it is termed as fiscal deficit. The
difference between total expenditure and
The tax imposed on the profit earned on sale revenue receipts and non debt capital
of capital asset. Capital asset is classified in receipts amounts to fiscal deficit.
two categories - Long term capital asset and
Primary Deficit
short-term capital asset.
It is calculated by deducting interest
• Long term capital asset - Period
payments from fiscal deficit.
exceeding 36 months before transfer
of securities or shares. Capital gain Revenue Deficit
tax on this asset on securities
exceeding Rs. 1 lakh is 10%. When there is a difference between
expenditure and revenue it is termed as
• Short term capital asset - Period not revenue deficit.
more than 36 months before transfer
of securities or shares. Capital gain Monetized Deficit
tax on this asset is 15%. When government take help from RBI to
Advance Pricing Agreements reduce expenditure and finance the debt
obligation. It is the sum of RBI contribution to
An agreement which is signed between market borrowings of government and net
taxpayer and tax authority in advance on the increase in holdings of RBI. RBI generally
transactions over a fixed period. It was prints money to finance government deficits.
introduced by Finance Act 2012 to bring
Revenue Deficit
certainty in tax laws.
When there is a difference between revenue
Fiscal Consolidation
expenditure and revenue receipts, revenue
deficit occur.
The process by which government reduce
their deficits and accumulation of debts. Current Account Deficit
FRBM is process by which reduction in fiscal
deficit is done to achieve fiscal consolidation. When there is difference between the imports
and exports of goods and services between
Fiscal Policy countries, the situation is called current
The policies made by government which deals

higher than earning as compare to the other
with the taxation and spendings of
countries.
government. It changes every year and
focuses on growth of economy. Capital Budget
Capital budget consists of capital receipt and The tax which is imposed on producers or
expenditure. It is also known as capital traders but ultimately paid by consumers. For
account. It shows the how capital is managed example - sales tax, excise etc.
and spent.
Vote on Account
Custom Duties
When there is requirement to withdraw
The duties or tax imposed on the products money from the consolidated fund of India
which are exported from and imported in there is a need to obtain vote on account by
India. Increase in custom duty will encourage government from parliament or legislature.
domestic production.
Guillotine
Bull Market
When the period of the discussion on
This is the term related to stock market. A bull demands for grants is over, speaker passes
market is a market where prices are rising or guillotine motion so that all the remaining
expected to rise. It shows market is strong demands for the grant are put to vote at once.
and positive.
Minimum Alternate Tax
Bear Market
It is a kind of direct tax which is imposed on
Bear market is opposite of bull market. Its zero tax companies at 18.5% interest rate.
when market prices are falling. In the long run
it shows rise in unemployment and recession
Public Account of India
in economy. It is constituted under article 266(2) of
constitution. Public account contains all the
Inflation Risk
money other than consolidated fund of India.
Due to inflation the change in purchasing There is no need of parliament approval to
power, there is the chance that cash flow withdraw money from fund. Examples: -
Provident Fund and Small Saving Funds.
It is also known as purchasing power risk.
Contingency Fund of India
Direct Tax
It is maintained to meet the emergency
Direct tax are paid directly by the person on requirements. It is placed at the disposal of
whom it is imposed. Examples - Income tax, the President to enable him/her to make
Wealth tax, Gift tax, Property tax etc. advances to meet urgent unforeseen
expenditure, pending authorization by the
Indirect Tax Parliament.
46. International Organisations & Headquarters
International HQs FAO (Food and Rome

Organizations Agricultural Organization)
IAEA (International Atomic Vienna
Amnesty international London Energy Agency)
APEC (Asia Pacific Singapore ICAO (International Civil Montreal
Economic Forum) Aviation Organization)
ASEAN (Association of Jakarta ICJ (International Court of The Hague
South East Asian Nations) Justice)
Commonwealth of Nations London ILO (International Labor Geneva
EU (European Union) Brussels Organization)
IM (International Maritime London UNODC (United Nations Vienna

Organization) Office on Drugs and
IMF (International Washington Crimes)
Monetary Fund) UNDP (United Nations New York
International Standards Geneva Development Programme)
Organizations UNEP (United Nations Nairobi
NAM (Non-Aligned New York/ Environment Programme)
Movement) Istanbul UNESCO (United Nations Paris
NATO (North Atlantic Brussels Educational scientific and
Treaty Organization) cultural Organization)
OECD (Organization for Paris UNFCCC (United Nations Germany
Economic Cooperation Frame Convention on
and Development) Climate Change)
OPEC (Organization of Vienna UNFPA (United Nations New York
Petroleum Exporting Population Fund)
Countries) UNHCR (United Nations Geneva
SAARC (South Asian Kathmandu High Commissioner for
Association for Regional Refugees)
Cooperation) UNICEF (United Nations New York
Transparency International Berlin Education Fund)
UNAEC (United Nations New York UNO (United Nations New York
Atomic Energy Organization)
Commission) WHO (World Health Geneva
UNAIDS (Joint United Geneva Organization)
Nations Programme on WMO (World Metrological Geneva
HIV/ AIDS) Organization)
UNCDF (United Nations New York World Bank Washington
Capital Development World Intellectual Geneva
Fund) Property Org.
UNCTAD (United Nations Geneva WTO (World Tourism Madrid
Conference on Trade and Organization)
Development)
47. Rivers, Dams & States
State Name River Name Chamera Dam Ravi River

Jammu Baglihar Dam Chenab River
Andhra Somasila Dam Pennar River and Dumkhar Indus River
Pradesh Srisailam Dam Krishna River Kashmir Hydroelectric
Gujarat Ukai Dam Tapti River Dam
Dharoi Dam Sabarmati Uri Jhelum River
River Hydroelectric
Kadana dam Mahi River Dam
Dantiwada Dam Banas River Jharkha Maithon Dam Barakar River
Himach Bhakra Nangal Sutlej River nd Chandil Dam Swarnarekha
al Dam River
Pradesh Panchet Dam Damodar
and River
Punjab Karnata Tunga Bhadra Tungabhadra
Border ka Dam River
Himach Pandoh Dam Beas River Linganamakki Sharavathi
al Nathpa Jhakri Satluj River dam River
Pradesh Dam
Kadra Dam Kalinadi Wilson Dam Pravara River

River Tansa Dam Tansa river
Alamatti Dam Krishna River Panshet Dam Ambi River
Supa Dam Kalinadi or Mula Dam Mula river
Kali river Kolkewadi Dam Vashishti
Krishna Raja Kaveri River River
Sagara Dam Girna Dam Girana river
Harangi Dam Harangi Vaitarna Dam Vaitarna river
River Khadakwasla Mutha River
Narayanpur Krishna River Dam
Dam Gangapur Dam Godavari
Kodasalli Dam Kali River river
Kerala Malampuzha Malampuzha Telanga Radhanagari Bhogawati
Dam River na Dam River
Peechi Dam Manali River Lower Manair Manair River
Idukki Dam Periyar River Dam
Kundala Dam Kundala Mid Manair Dam Manair River
Lake and SRSP
Parambikulam Parambikula Flood Flow
Dam m River Canal
Walayar Dam Walayar Upper Manair Manair River
River Dam and Kudlair
Mullaperiyar Periyar River River
Dam Singur dam Manjira River
Neyyar Dam Neyyar River Nizam Sagar Manjira River
Madhya Barna Dam Barna River Dam
Pradesh Bargi Dam Narmada Odisha Indravati Dam Indravati
River River
Bansagar Dam Sone River Hirakud Dam Mahanadi
Gandhi Sagar Chambal River
Dam River Tamil Vaigai Dam Vaigai River
Mahara Yeldari Dam Purna river Nadu Perunchani Dam Paralayar
shtra Ujani Dam Bhima River River
Pawna Dam Maval River Mettur Dam Kaveri River
Mulshi Dam Mula River Uttarak Tehri Dam Bhagirathi
Koyna Dam Koyna River hand River
Jayakwadi Dam Godavari Dhauli Ganga
River Dam
Bhatsa Dam Bhatsa river
48. Famous Temple
Temple Year Place Built By Ramanath 7th Rameshw Pandya &

a 8th aram Jaffna
Virupaksh 7th Hampi, Queen swamy cent Island, Kings
a cent Karnataka Lokhama- Temple ury Tamil
Temple ury hadevi Nadu
Meenaksh 1623- Madurai Vishwana Suchindra 17th Kanyaku Nambudir
i 1655 Tamil ntha m cent mari, i
Temple CE Nadu Nayakar Temple ury Tamil Brahmins
Nadu
Vitthala 15th Hampi, King Uttarakha

Temple cent Karnataka Devaraya nd
ury II Konark 13th Odisha Narasimh
Brihadesh 11th Thanjavur Raja Raja Sun cent a
wara cent , Chola Temple ury deva
Temple ury Tamilnand I Sanchi 3rd Raisen, Asoka
u Stupa cent Madhya
Airavates 12th Darasura Rajaraja ury Pradesh
wara cent m Chola BC
Temple ury II Siddhivina 18th Prabha
Venkates 300 Tirumala, King yak cent Devi,
wara AD Andhra Thondaim Temple ury Mumbai
Temple Pradesh an The 1577 Amritsar, Guru
Kashi 1780 Varanasi, Ahilya Bai Golden Punjab Ram Das
Vishwanat Uttar Temple
h Pradesh Mahabod 3rd Bihar Ashoka
Lord 1611 Puri, Indrady- hi cent
Jagannath Odisha umna Temple ury
Temple B.C
Vaishno Jammu Kamakhya 8th- Nilachal
Devi Temple 17th Hill,
Temple cent Guwahati
Somnath Gujarat Moon ury
God Amarnath Jammu Natural
Shirdi Sai 1922 Shirdi, Cave and formation
Baba Maharash Temple Kashmir
Temple tra Yamunotri 19th Uttarkashi Maharani
Badrinath 9th Uttarakha Adi Temple cent , Gularia
cent nd Shankara ury Uttarakha
ury nd
C.E Gangotri 18th Uttarkashi Amar
Kedarnath 8th Garhwal Pandavas Temple cent , Singh
cent area ury Uttarakha Thapa
ury nd
49. Stadiums in India
Name City/Location Captain Roop Singh Gwalior

Stadium
Aishbagh Stadium Bhopal Cb Patel International Surat
Baichung Stadium Namchi Cricket Stadium
Bakhshi Stadium Srinagar Chennai Jawaharlal Chennai
Barabati Cuttack Nehru
Barkatullah Khan Jodhpur Cooperage Football Mumbai
Barkatullah University Bhopal Stadium
Stadium Dadaji Kondadev Stadium Thane
Biju Patnaik Hockey Bhubaneswar Dhyan Chand National Delhi
Stadium Dr. Bhupen Hazarika Guwahati
Birsa Munda Athletics Ranchi Dr. Y.S. Rajasekhara Visakhapatnam
Brabourne Mumbai Reddy Aca-vdca Cricket
Buddh International Greater Noida Stadium
Circuit Dy Patil Navi Mumbai
Eden Gardens Kolkata Ma Chidambaram Chennai

Ems Stadium Kozhikode Madhavrao Scindia Rajkot
East Bengal Ground Kolkata Maharashtra Cricket Gahunje (Pune)
East Coast Railway Bhubaneswar Association
Stadium Mangalagiri International Mangalagiri
Fatorda Stadium Margao Cricket Stadium
Feroz Shah Kotla Delhi Mohammedan Sporting Kolkata
Gandhi Stadium Jalandhar Ground
Gangotri Glades Cricket Mysore Moti Bagh Stadium Baroda
Ground Moin-ul-haq Patna
Gmc Balayogi Athletic Hyderabad Nehru Stadium Indore
Stadium New Bangalore Football Bangalore
Greater Noida Cricket Greater Noida Stadium
Stadium Paljor Stadium Gangtok
Green Park Stadium Kanpur Punjab Cricket Mohali
Guru Govind Singh Nanded Association
Stadium IS Bindra Stadium
Guru Nanak Stadium Ludhiana Rabindra Sarobar Kolkata
Holkar Cricket Indore Stadium
Stadium Rajiv Gandhi International Dehradun
IPCL Sports Complex Baroda Stadium
Ground Rajiv Gandhi Port Silver Visakhapatnam
Indira Gandhi Solapur Jubilee
International Hockey Rajnandgaon Salt Lake Stadium Kolkata
Stadium Sardar Vallabhai Patel Ahmedabad
Jsca International Cricket Ranchi Sardar Vallabhbhai Patel Ahmedabad
Stadium Stadium
Kanchenjunga Stadium Siliguri Satindra Mohan Dev Silchar
Kd Singh Babu Stadium Lucknow Stadium
Keenan Stadium Jamshedpur Sawai Mansingh Jaipur
Khuman Lampak Main Imphal Sector 42 Stadium Chandigarh
Stadium Sher-i-Kashmir Stadium Srinagar
Kiit Stadium Bhubaneswar Shaheed Veer Narayan Raipur
Lal Bahadur Shastri Hyderabad Singh International
Lucknow International Lucknow Trivandrum International Trivandrum
Stadium Stadium
Jawaharlal Nehru Kochi Tau Devi Lal Stadium Gurgaon
Jawaharlal Nehru New Delhi Ys Raja Reddy Stadium Kadapa
Lal Bahadur Shastri Hyderabad Vidarbha Cricket Nagpur
Lucknow International Lucknow Association Stadium
Cricket Stadium Wankhede Mumbai
M. Chinnaswamy Bangaluru
50. Boundary Lines
• Radcliffe Line - This is the boundary • Durand Line - This demarcates the
line between India and Pakistan. It boundary of Pakistan and
was drawn by Sir Cyril Radcliffe on Afghanistan.
17th August 1947 because of the
• Hindenburg Line - This is the
separation between the two
boundary dividing Poland and
countries.
Germany.
• Mcmahon Line - It is the boundary • 49th Parallel - This represents the

line between India and China and it boundary between Canada and USA.
was drawn by Sir Henry McMahon.
• Mannerheim Line - This line
• Marginal Line - This line was drawn demarcates Russia and Finland.
up by General Mannerheim between
• Mason-Dixon Line - It is a line of
Russia-Finland border. It is a 320-km
demarcation between four states in
line of fortification.
the United State.
• Maginot Boundary Line - This
• Siegfried Line - It is the boundary
boundary line demarcates France and
between Germany and France.
Germany
• 24th Parallel - Pakistan feels that this
• Oder-Neisse Line - This line was
should be the actual line between
drawn between Poland and Germany
India and Pakistan. However, India
after the second World War.
does not approve of this.
• 8th Parallel - It is the boundary
• 17th Parallel - It defined the
between North and South Korea.
boundaries between North and South
Vietnam before they unit

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ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018

ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018

1. List of Applications and Schemes launched by banks ............................................ 4

33. List of Major Ports in India ................................................................................ 40

1. List of Applications and Schemes launched by banks

Bank Scheme and Apps farmers through which

Bank of India IMT or Instant Money

replacing current practice director effective for a

HDFC Chatbot service OnChat. It

Kerala FI@School Program:

ICICI EazyPay App for merchants.

Scheme RBL Bank

with American Express ayment Bridge

ticket microfinance loan

ICICI Bank has appointed SBI MobiCash Mobile Wallet, in

Sanchar Nigam Limited

Vijaya Bank 3 innovative apps - Bank of Bank of Baroda has given

2. New Indian Currency Notes

Curren Dimensi Motifs/Des Colour 200 66x146 Sanchi Bright

2000 66x166 Mangalyaa Magenta

3. Types of Risks in Banks

in on or off-balance sheet positions that

Basel Committee on Banking Supervision

Reputational Risk happens when banks

Can provide personal loan, home loans,

Jio Payment Bank Mumbai

National Securities Depository Mumbai Janalakshmi Bengaluru

RGVN (North East) Guwahati

Bank HQs Suryoday Micro Navi Mumbai

• AAY: Antyodaya Anna Yojana • e-NAM: Electronic National

• PMAY: Pradhan Mantri Awas Yojana

Merchant Banking Islamic Banking

What is Deposit Insurance?

(3) Agreement implies that a lien is imposed

(4) Security is a tradable financial asset. 3. Pledge

1. Mortgage-backed security (MBS) (3) Such securities or goods are movable

2. Lien (6) Indian Contract Act 1872, section 172.

(3) SARFAESI ACT 2002

Securi- Pledge Hypothe Mort-

8. List of Mergers in Indian Banking Industry

Name of the Name of the State Bank of

State Bank of SBI State Bank of

Name of the Name of the Year of State Bank of State Bank of

United Western Lakshmi

HDFC Bank Times Bank 2000 State Bank of National Bank of

India is advancing at breath-taking speed Commerce. Digital Payment Systems for

USSD (3) It was launched by PM Modi on 30th Dec

the amount recorded in the year-ago

(4) Cheque Truncation System (CTS) is a

(1) The Indian Financial System Code (IFS

(2) A code uniquely identifies each bank

(3) The IFSC is an 11-character code with the

CTS (2) The magnetic ink allows the computer to

SWIFT multiple payment modes, and providing

(2) Headquarter: La Hulpe, Belgium; ACU

10. Electoral Bonds

Bonds can be donated to a registered political

11. Electronic Fund Transfer at Point of Sale

12. Priority Sector Lending

13. NPA and Recovery

What is an NPA: NPA for a period

(2) It is used to expedite recovery of loans and

(2) It maintains sound financial health of

(3) The Joint Lenders Forum/Corporate