BP Snap – 8 January 2017

BP Snap – 8 January 2017

Hello dear aspirants, Here we are providing you a list of recently published posts so that you can easily access them from a single page.

BP Snap : An Overview Of Recent Posts

Google Drive Special

Bank Exams Study Material

All the important study material links for bank and other competitive exams.

Please follow and like us:
  • Innocent dev

    dil nhi lagda tere bina

  • piya

    Yes

  • me ba pe aaya tha
    u thi hi nhi

  • SAT

    Kyon
    Na hum tum
    Phire jaake almast pehchani rahon ke pare
    Chal bhatak le na baawre

  • Innocent dev

    jab bhi baat krni hoti h ye disqus bhaut bhaw khata h

  • ŘJ *-*

    Pta nhi kyu kuchh thik nhi lg rha yehan p :O

  • Innocent dev

    maine to waqt hi badal dala jo mere lie nhi tha

  • “aruna”

    Do you know

    • SAT

      No

  • khushi

    10 Best Foods for Clear Skin Complexion
    1. Berries
    2. Garlic
    3. Brown Rice
    4. Avocados
    5. Beetroots
    6. Broccoli
    7. Red Grapes
    8. Legumes
    9. Nuts
    10. Green Tea

    • Innocent dev

      green tea kaise banae babu

      • khushi

        Arey usme kya hai bazaar se banni bnaayi milti hai garam paani me daal ke pee lo bs

    • Rafael Nadal

      ty

      • khushi

        🙂

    • “aruna”

      ;ppp

      • khushi

        😀

  • Innocent dev

    chup be ullu boli meko
    lazy
    haha

  • khushi

    :O

    • revenent

      madam

      • khushi

        hi revenet _^_
        after long time ,h r u?

        • revenent

          m bahut badiya aap batao kya chal rha h

          • khushi

            bs kuch nhi cleared ibps po 😀
            Ab int prep
            kaisi chal rhi job?

          • revenent

            congrats dear
            job bahut badiya chal rhi h
            meri kuch help chahiye to batana

          • khushi

            Ok jarur thank u:)

    • ŘJ *-*

      O:

  • piya

    Jane ka mnn nai ho raha sb chat kr rhe h me kese pdh glt baat h sb pdhai krenge hm nai esa nai hota…

    • SAT

      Jao ..GnT

      • piya

        Ktti bhga rhe ho muje

        • SAT

          ok raho

          • piya

            Bye

          • SAT

            haha gnt

    • aaj exam tha na
      kal se pdhenge

    • revenent

      are bahut mann marna padta h

      • piya

        Hmmmmm

    • Prince-Limitless

      Kyu jaa rhi Piya..Tusi na jao na

      • piya

        🙁 aane wale ko jana pdta h yhi kudrat ka niyam h prince

    • Innocent dev

      chalo mai jata hu tum std karo

      • piya

        Bye

  • ŘJ *-*

    har kitaab ke naseeb me library nahi hoti…kuch kitaab kabariyon ki dukan par bhi milte hain….hum sab unhi kitaabon me se hain av tak 😐

  • bhai bhai

  • “aruna”

    Mje bhi kuch likhna h
    Bt shabd nhi mil rhe ;ppp

    • Prince-Limitless

      ooooooooooo

      • “aruna”

        ;pppppppp

        • Prince-Limitless

          mujhe bato kya likhna hai..shabd mai de dunga 😛

          • “aruna”

            Hehehe

  • SAT

    Nick 6 din nahi aayega !!!
    Mission :
    6 din Ladki in

  • SAT

    Difference between
    ooooooooooooooooo
    :ooooooooooooooooo

  • Innocent dev

    gnt

  • ŘJ *-*

    Bye buy bhai… by
    Gunnight 🙁

    • Innocent dev

      admit card dwonlod ho rha h

      • ŘJ *-*

        Ok..kal

    • khushi

      🙁 ??

      • ŘJ *-*

        Miss u so 😐

        • khushi

          o O

          • ŘJ *-*

            Hmm.gunyt 🙂

          • khushi

            gud nyt 🙂

    • SAT

      gnt 2

    • gnt mod

  • Rafael Nadal

    good night 🙂

    • “aruna”

      Gd nyt :))

      • Rafael Nadal

        :))

    • khushi

      Gud nyt 🙂

      • Rafael Nadal

        :))

    • gud nyt bhaiya:|

      • Rafael Nadal

        🙂

  • “aruna”

    Hmmm
    Okuu
    Boy
    Fairever
    ;ppppp
    ooooo
    Pehchaan kon?

    • Prince-Limitless

      Kick

      • “aruna”

        Hahaha

    • Innocent dev

      ullu

      • “aruna”

        Huh

    • SAT

      Bhavna ??

      • “aruna”

        Noi

  • ŘJ *-*

    Lion is roaring 😐

    • Prince-Limitless

      dar laging??

      • ŘJ *-*

        Hmmmmm

    • khushi

      :O

    • SAT

      nahi Indian Idol ki practice kar raha hai

      • ŘJ *-*

        😛

  • khushi

    Taata

  • SAT

    gnt tumko

  • revenent

    लड़की नहीं है, वो जादू है, और कहा क्या जाये
    रात को मेरे ख्वाब में आई, वो जुल्फें बिखराए
    आँख खुली तो दिल चाहा फिर नींद मुझे आ जाये
    बिन देखे ये हाल हुआ, देखूं तो क्या हो जाए

    • Innocent dev

      bhai bhai se baat aage badh gai

      • revenent

        haha bhai

    • Prince-Limitless

      Himalaya se laut aaye?

      • revenent

        ha

    • SAT

      oooooo

  • tata piya

  • Innocent dev

    tc tc

  • Prince-Limitless

    Cutest Actress Bollywood has Ever Got : Shradhha Kapoor

  • khushi

    Mera movie dekhne ka mann kr rha konsi dekhu samajh nhi aa rha;/

    • Prince-Limitless

      Bollywood pasand hai?

      • khushi

        ha bt hollywood dekhni aaj;/

    • SAT

      Miss Peregrine’s Home for Peculiar Children

      • khushi

        Ok

    • kohli

      khushi :))

      • khushi

        hm dekh li maine:))

  • SAT

    Miss Peregrine’s Home for Peculiar Children
    https://www.youtube.com/watch?v=mAdpJw-MM-M

  • revenent
    • khushi

      ty 🙂

      • revenent

        welcome dear

  • SAT

    Mera bhi Good Night

    • kohli

      gud night tc bhai

      • SAT

        :))

  • Smarty

    good night:)

  • Prince-Limitless

    Gud Night Bhai Logo

  • piya

    Gudmrng everyone

    • ŘJ *-*

      Gud morning. …

  • kohli
    • ŘJ *-*

      That link was really important. ..thanks Avi 🙂

      • kohli

        one said last yr asked in rrb interview like this nationalized banks are there then why rrbs googled

        • ŘJ *-*

          Reason behind the existence of RRB is the development of rural and backward areas, and also providing banking facility to rural population.
          2. Scope of RRB is limited to agriculture finance, small sector loans, handicrafts and other small sector loans.

          • kohli

            ty rj bhai

      • Muskaan:)

        ohh congo 😀

        • ŘJ *-*

          For what? ?????

          • Muskaan:)

            mod ban gye tum 😀

          • ŘJ *-*

            Kya??????
            :oooooooooooooooooooooooooooooo

          • Muskaan:)

            sacchiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii

    • Dia*-*

      pls share material for railway if u hv! Thnku:)

  • Muskaan:)

    koi chsl wala h idhar?

    • ŘJ *-*

      Congo kis liye?

      • Muskaan:)

        are mod ban gye 😀

    • Dia*-*

      Ha pr shyd hi du

      • Muskaan:)

        kyon

        • Dia*-*

          Bestie ki shadi m jana h 😛

          • Muskaan:)

            hahaha

  • khushi

    @disqus_wdplwiSwLd:disqus congo:D

    • Muskaan:)

      😀

  • Dia*-*

    Railway ka material dedo koi

    gudmrngg*-*

    • Muskaan:)

      *-*gm diu

      • Dia*-*

        Gm muskii 🙂

    • khushi

      gud mrng Diu

      • Dia*-*

        Gm khushi:)) Help me out!

        • khushi

          @disqus_yEH3Kug7eb:disqus ins help milegi becos mee paas th nhi hai

          • Dia*-*

            ok thnki!

  • ŘJ *-*

    Hahahahahahaha. ..
    Mai Mod. ….mujhe pta v nhi 😛

    • khushi

      Hahahahahahaha. ..

  • Muskaan:)

    ye h unexpected aacha wala surprize 😀 @disqus_wdplwiSwLd:disqus

    • khushi

      isko kab mod banna tha:D

      • Muskaan:)

        tabhi toh 😀 jisko jisse koi moh naa ho use wo cheez mil jaati h apne aap 😀

        • ŘJ *-*

          :O
          What do you mean?

          • Muskaan:)

            nhi mtlb mujhe laga tha ki tumhe koi chah nhi thi mod banne ki 😛

        • khushi

          Arey mai bol rhi hu yeh kab se bol rha tha ki mujhe mod banna hai ;P

          • Muskaan:)

            acchaa..mujhe nhi pta tha 😛

          • khushi

            hm:P

    • ŘJ *-*

      Actually maine kal aise hi bola thha. ..Satad Nadaan ne seriously le liya…
      Resigne kar dunga

      • Muskaan:)

        are kaahe…usne kuch soch samjh k hi bnaaya hoga :p rehne do…bas bp k liye kuch accha karo 🙂 ab resposbility mil hi gyi h toh

        • ŘJ *-*

          Jai Ram ji ki….maff karo..
          Mujhse jyada careless koi v na ho..responsibility to dict m nhi h 😛

          • Muskaan:)

            aisa thode h…baaki ur wish

      • khushi

        :O

        • ŘJ *-*

          Hmmm 😐

  • Muskaan:)

    ab hum bhi bht kuch karna chahte h bp k liye par layak hi nhi abhi toh kya karein 😛

    • Dia*-*

      :P,

      • Muskaan:)

        han yar … khamakha sab shocked ho jaate the ki muskaan mod :O bejjati wali feeling aati thi ;p

        • Dia*-*

          Hehe

  • ŘJ *-*

    Ok..bye..gud day. .
    Achhe se sab discipline m rehna sab nhi to … 😛

  • Muskaan:)

    chalo bye….chalte h hum toh..have a accha sa din sabko

  • Muskaan:)

    mai toh iss vajah se school me bhi kabhi house captain nhi bani…balki mauka mila tha 😛

  • Sunshine ✨

    Koi hai ☜☆☞

    • ~RAEES~NIK~

      yes plz

      • Sunshine ✨

        Idibi exam main pre nai hai na

        • ~RAEES~NIK~

          nops

          • Sunshine ✨

            But indian bank main hai hai na

          • ~RAEES~NIK~

            hmmm…mera intrview le rhe ho?

          • Sunshine ✨

            Nai…. Notification padha hai… But still

          • kohli

            indian bank only pre+mains

  • Sunshine ✨

    Maine padha hai still believe nai hua 🙁

  • ~RAEES~NIK~

    chal aa ja dngal krte h 😛

  • kohli

    congratulation new mod of bp @rj

    • Sunshine ✨

      Gm kohli 🙂 new captain odi t20 ….

  • Sunshine ✨

    U too… Always rude with me 🙁

  • Sunshine ✨

    Nw ok….. 🙂

  • Samuel

    Good morning

  • GMMM BP<33

  • Sunshine ✨

    Ok….. But ur right one shuld read notification before filling the exam form…. 🙂

  • Innocent dev

    Moda
    New

    • kohli

      gud mrng bhai

  • kohli

    Recently in news IEDS expand it

    • Abhishek Pavan

      ado bomb gurnchi adi

  • kohli

    Aadhaar mandatory for MGNREGS from April 1

    •——–> The government has made Aadhaar mandatory to avail services under the Mahatma Gandhi National Rural Employment Guarantee Scheme from April 1.

    •——-> People will be required to give proof of possession of Aadhaar or undergo the enrolment process till March 31, an official said.

    •——–> Those who have applied for Aadhaar can show the copy of application made to the authorities

    • Abhishek Pavan

      Intervw material share cheyu

      • kohli

        nidi cse kada bro undi anukuna kani inka dorkaledu adugta bro naku telsina valani max vacestadi gurtu cheyi marlanu

        • Abhishek Pavan

          nadi ECE

          • kohli

            ayite undi ni fb ki pamputanu bro chudu ipudu

          • kohli

            Indian entreprise development service to improve MSME sector

  • GA Quiz – 10 AM

  • Vidhi Agarwal

    Suprabath baccha party

    • Abhishek Pavan

      hhhhhhhhhhhhhhhhhhhhhhhhhhhh

      • Vidhi Agarwal

        Shubhyodum

    • Super bath

      • Vidhi Agarwal

        Tum nhi nahaye ho
        Hai na?

        • ek din chor k ek din nahata
          sardi me
          nhi to bimar ho jata

          • Vidhi Agarwal

            Hey prabhu rehe kaise lete ho
            Mummy daddy kuch to bolte honge

          • tumare wha thand nhi pdti kya

          • Vidhi Agarwal

            Nhi abhi I m in mah guj border
            Normal h

          • Rafael Nadal

            subah se naha leti ho?

          • Vidhi Agarwal

            Of course 5 am uthna
            6 baje tak nahana then mandir

          • Rafael Nadal

            OMG 😮 6 baje

          • Vidhi Agarwal

            Bachpan se adat h
            Mummy bahut strict h
            Nahane se pehele kuch khaana nhi
            & jitna ho jaldi nahayo

          • Rafael Nadal

            hmm strictness ki hi baat hai….nhi to kabhi b nahao..uff itni thand me ..grt

          • Vidhi Agarwal

            Mere yaha itni thand nhi h
            Waise Delhi ya Jaipur me hoti to bhi jaldi Naha leti

          • Rafael Nadal

            hmm aadat ki baat hai :p

          • yha to kohra chaya hua h
            khoon bhi jam gya

          • Vidhi Agarwal

            I know Bikaner dekha h
            Lekin garmi bhi acchi hoti h 50 temp

          • ha dono khatrnak

      • ŘJ *-*

        😀

    • Rafael Nadal

      gm teacher 🙂

      • Vidhi Agarwal

        Haha aunty bolo 😛

        • Rafael Nadal

          nhi nhi..:p

      • kohli

        winner of the 2016 Mubadala World Tennis Championship is – Rafael Nadal

        • Rafael Nadal

          ha ek hi jeeta :p

  • Abhishek Pavan

    @disqus_yEH3Kug7eb:disqus recent ga ayna important news cheppu avaina ?

    • kohli

      • It is with this country India signed a Protocol to amend the Double Taxation Avoidance Convention in January 2017 – Kazakhstan
      • The country that launched its second Tongxin Jishu Shiyan satellite – China
      • The 14th edition of Pravasi Bharatiya Divas was inaugurated in – Bengaluru
      • This city hosted the International Conference on Yoga for Diabetes – New Delhi
      • This Pakistani cricketer has become the first batsman to score test hundreds in 11 countries – Younis Khan
      • The helpline number 14444 launched by the Government to promote – Digital Payments
      • This multilateral organisation released the statistical estimates on Migrants Workers Report – International Labour Ogranisation
      • 105-year-old man Robert Marchand made history by cycling more than 14 miles in an hour. He belongs to – France
      • As per a directive of the Ministry of External Affairs, NRIs can deposit old Rs 500 and Rs 1000 banknotes till – 30 June 2017
      • As per the advance estimates released by the CSO, the GDP in 2016-17 is set to grow at – 7.1%
      • The RBI agreed to provide Rs 100 crore in Rs 100 notes to this country – Nepal
      • Hindustan Zinc Ltd recently got environmental clearance for Zawar Mines expansion project. The mines is located in – Rajasthan
      • Union Government approved 26% strategic stake sale in this public sector undertaking – Bharat Earth Movers Limited
      • This minister has been named Samajwadi Party’s new national president- Akhilesh Yadav
      • The new President of Samajwadi Party’s Uttar Pradesh unit is – Naresh Uttam
      • This is the real reason behind Titanic’s sinking according to a newly surfaced documentary- Fire
      • This Chief Minister launched the Aarogya Raksha family health insurance scheme on the first day of the New Year in his state- N. Chandrababu Naidu
      • The Vice Chief of Army Staff who recently took over as the 27th Army Chief of India is – Lieutenant General Bipin Rawat
      • The footballer player who was awarded the World’s Best Playmaker for the year 2016 by IFFHS is – Lionel Messi
      • The Indian tennis player who recently announced retirement from the professional tennis is – Somdev Devvarman
      • The Union Sports Ministry recently suspended Indian Olympic Association for not replying to a show-cause notice over the appointment of – Suresh Kalmadi and Abhay Singh Chautala as life-presidents of the organisation
      • India’s first transgender school ‘Sahaj International’ recently started in – Kerala
      • Top PSU lenders that slashed their benchmark lending rates by up to 90 basis points are – State Bank of India, Punjab National Band and Union Bank
      • A member of Pakistan’s first-ever cricket Test team, who died in a Lahore hospital after a brief illness is – Imtiaz Ahmed
      • Mumbai prodigy who created history by winning all three gold medals on offer in the 1st Western Asia Youth Chess Championships is – Kush Bhagat
      • University that was pulled by the External Affairs Ministry for not implementing the Memoranda of Understanding it had signed with three Palestinian universities is – Jamia Millia Islamia
      • The federation that in its report claimed that ninety-three journalists and media staff were killed around the world in the course of their work in 2016, with Iraq and Afghanistan the deadliest countries is – International Federation of Journalists (IFJ)
      • President Pranab Mukherjee gave his assent for the promulgation of – the Specified Bank Notes (Cessation of Liabilities) Ordinance, 2016.
      • The country drafted the resolution that seeks to end violence in Syria via a nationwide ceasefire between the government and rebels that was passed by UNSC – Russia
      • The British diplomat appointed as the United Kingdom’s ambassador to the European Union is – Sir Tim Barrow
      • It is in this city Prime Minister Narendra Modi inaugurated 350th birth anniversary celebrations of Guru Govind Singh – Patna
      • This governmental agency released a consultation paper on net neutrality in India- The Telecom Regulatory Authority of India
      • The author of the book The People’s President: Dr APJ Abdul Kalam is – SM Khan
      • It is with this country Union Cabinet agreed to sign an agreement for cooperation in field of agriculture and allied sectors – Portugal
      • The annual World Braille Day was observed on – 4 January
      • Power Minister Piyush Goyal today launched the web portal and a Mobile App for – the Ujwal DISCOM Assurance Yojana – UDAY
      • The United Nations has designated the year 2017 as – The International Year of Sustainable Tourism for Development
      • The Union government has launched this survey in 500 cities and towns- Swachh Bharat survey
      • This Minister has been elected as the working President of DMK – M K Stalin
      • India recently test-fired long range intercontinental nuclear capable ballistic missile Agni-IV which is a- Surface-to-surface missile
      • Person appointed as Executive Director of RBI in place of US Paliwal- Surekha Marandi
      • Social reformer who was honoured by Google Doodle recently on her 186th birth anniversary- Savitribai Phule
      • Karnataka Minister who passed away recently while he was in Chikkamagaluru to attend the silver jubilee celebrations of the Transport Cooperative Society at Koppa- Mahadev
      Prasad
      • The Australian opening batsman who was recently inducted into ICC Hall of Fame posthumously is – Arthur Morris
      • Justice Jagdish Singh Khehar was sworn in as the 44th Chief Justice of India. He succeeds – Justice T. S. Thakur
      • PM Narendra Modi inaugurated 104th Indian Science Congress in Tirupati, Andhra Pradesh. The theme for the event is – Science and Technology for National Development
      • The winner of the 2016 Mubadala World Tennis Championship is – Rafael Nadal
      • This multilateral organisation lifted 3-year ban on import of vegetables from India – European Union
      • It is with this country India reached an agreement on fisherman issue – Sri Lanka
      • Prime Minister Narendra Modi announced pan-India expansion of this programme to benefit pregnant and lactating mothers across the country – Maternity Benefit Programme (MBP)
      • The Union Sports Ministry constituted a nine-member committee to make recommendations for bringing out – a comprehensive National Sports Development Code
      • NASA is sending first African-American space station crew member to space station in 2018. His/Her name is – Jeanette Epps
      • The person appointed as the Chief Financial Officer of Reliance Power is – Suresh Nagarajan
      • He is appointed as the new Vice Chief of Army Staff – Lieutenant General Sarath Chand
      • The company that launched the training program, named Digital Unlocked, for Indian small and medium businesses is – Google
      • This country is the latest to associate itself with India’s smart cities mission – Japan
      • This city is going to play host to the ninth edition of JIFF- Jaipur
      • This place in Delhi is soon going to become completely vehicle-free zone for three months- Connaught Place
      • Veteran actor, who gave countless memorable performances in movies of diverse genres, died at his residence in Mumbai after a massive heart attack on 5 January 2017 is – Om Puri
      • The 7th edition of Yashwant International Film Festival will be held from 20 to 26 January 2017 in – Mumbai
      • Union Government imposed an anti-dumping duty ranging from 6.30 US dollars to 351.72 US dollars per tonne on imports of jute and its products from – Bangladesh and Nepal
      • Fourth Assam International Agri-Horti show began in – Guwahati, Assam
      • The Lieutenant Governor Kiran Bedi has declared ‘null and void’ Chief Minister V Narayanasamy’s order banning use of social media for – official communication
      • The Frenchman who managed to set a new world record for cycling the furthest distance in one hour for riders aged 105 or older by riding more than 22.5 kilometers at an indoor venue on the outskirts of Paris is – Robert Marchand
      • Union Cabinet approved to sign a MoU with this country in the field of agriculture and allied sectors – Kenya
      • The H1-B visa reform bill was introduced by the legislature of – the USA
      • Tony Atkinson who died recently was an eminent British – Economist
      • It is with this multilateral organisation Indian officials discussed issues regarding sharing of waters with Pakistan under the Indus Water Treaty – World Bank
      • The former Prime Minister of Portugal who recently took over as the ninth Secretary-General of the United Nations is – Antonio Guterres
      • The Supreme Court sacked Anurag Thakur and Ajay Shirke who served as – the President and Secretary of Board of Control for Cricket of India, respectively
      • The Indian academician appointed as the Chairman of the Union Public Service Commission is – David R Syiemlieh
      • Andhra Pradesh Government launched the NTR Arogya Raksha Scheme to provide the medical treatment for the Above Poverty Line families on payment of – monthly premium of Rs. 100 per head
      • Person appointed as the Chief of the Army Staff (COAS) of the Indian Army recently- Bipin Rawat
      • India’s first transgender school Sahaj International opened in- Kerala
      • Writers chosen for the 2016 Navlekhan Award of Bharatiya Jnanpith- Shraddha and Ghyansham Kumar Devansh
      • Indian-origin British professor who was honoured with the Queen Elizabeth II Knighthood- Shankar Balasubramanian
      • The former Prime Minister of Portugal who recently took over as the ninth Secretary-General of the United Nations is – Antonio Guterres
      • The Supreme Court sacked Anurag Thakur and Ajay Shirke who served as – the President and Secretary of Board of Control for Cricket of India, respectively
      • The Indian academician appointed as the Chairman of the Union Public Service Commission is – David R Syiemlieh
      • The Indian-origin Saudi-based entrepreneur who was appointed Major General of Kyrgyzstan in recent past is – Shaikh Rafik Mohammed
      • World famous 11-day gala festival Bargarh Dhanua Jatra began on 3 January 2016 in – Bargarh, the western Odisha.

      • Abhishek Pavan

        vammo givaana
        gitla kadu avaina scams technlgies and related finance and banking ?

        • kohli

          hihihi mana fb group prasathk daily imp vi update chestadu chaduvu avi example ga ila
          PM Modi announces scheme for youth seeking jobs abroad

          •———> Prime Minister Narendra Modi on Sunday announced that the government will launch the ‘Pravasi Kaushal Vikas Yojana’, to help unskilled youth find jobs abroad.

          •———> The government aims to provide maximum facilitation and minimum inconvenience for those seeking jobs overseas, he said on the Pravasi Bharatiya Divas, which marks Mahatma Gandhi’s return to India
          bhim app recent ga undi

  • Abhishek Pavan

    Msk:
    Copied
    How do banks work…. One must read
    .
    .
    Son: I have heard recently that Mr. Rajan has reduced Repo Rate by 50 basis points and everyone is saying that this is good for the market. Loan EMI may also come down. What is this rate cut means actually? I want to understand this.

    Dad: To understand this you first need to know, how does a bank function.
    Son: Why?
    Dad: Because all these are inter-related. Tell me – what does a bank do?
    Son: Bank takes money from depositors and gives loan to earn interest. That way they keep everyone happy and make a profit also.
    Dad: Correct, but there are more to it. Let me explain this in a very simplistic way. Bank needs money. Bank can get money from depositors like you and me and also from RBI. But bank also needs to pay certain interest to us and also to RBI.

    Son: Ok.
    Dad: Let us try to understand first – what happens when we deposit, say, Rs. 100 with a bank.
    Son: I know that. Bank gives that Rs. 100 to someone who needs a loan.
    Dad: No, it is not that simple. Remember, though bank can earn interest by giving away loans, but it is also very risky. There are many cases of loan defaults. This way banks can put all our money into high risk areas. It has to be protected.

    Son: How?
    Dad: Ok, RBI has made it mandatory that upon receiving, say, Rs. 100 – banks first have to deposit Rs. 4 with RBI. RBI keeps this Rs. 4 in its current a/c and hence banks do not receive any interest on this money. This is known as Cash Reserve Ratio or CRR, which is currently at 4%.

    Son: Hmmm, then?
    Dad: RBI has also made it mandatory that upon receiving, say, Rs. 100 – banks need to compulsorily buy central and state govt. securities of Rs. 21.50. Of course banks will earn some interest income here. This is known as Statutory Liquidity Ratio (SLR), which is currently at 21.50%.

    Son: Ok, so you mean to say that upon receiving Rs. 100, banks can spend only Rs. 74.50 at its own will.
    Dad: Correct. 100 – (4 + 21.50) = 100 – 25.50 = 74.50
    Son: But you were saying that banks can also borrow from RBI. What interest banks pay to RBI?
    Dad: Before 30th September, banks were paying 8.25% interest to RBI when it borrows money from RBI. Now this rate has been reduced by 50 basis points. So banks now need to pay interest to RBI, if it borrows from RBI, at the rate of 7.75%. This is known as Repo Rate.

    Son: Can fixed deposit rate be affected by reduction of Repo Rate?
    Dad: Of course. If banks get money from RBI @7.75%, why will banks pay higher interest to you and me? One year FD rate is already revised by many banks and it is equal to or very close to 7.75%.

    Son: But as now banks are getting money at a cheaper rate, then they should reduce the loan interest rate i.e. passing on the benefits it receives.

    Dad: Correct. They should. And on that hope market is cheering. If companies get loan at a cheaper rate, they will likely to expand their businesses. That will create more jobs, more income and boost the economy.

    Son: How is inflation linked to this?
    Dad: See, when loan becomes cheaper, people tends to borrow more. That means people will have more money to spend. This will increase the demand for goods, and if supply does not increase to match this demand, then prices will increase.

    Son: So there is a chance, that inflation may rise also?
    Dad: Well, yes. But inflation depends on many other factors as well, like production (industrial and agricultural), manufacturing, export – import, foreign currency movement etc. So inflation may increase or may not.

    Son: One last question. Like we deposit our money with banks, can banks also deposit their money with someone?
    Dad: Yes, they can deposit with RBI and earn interest too. This interest is typically 1% less than the repo rate. This rate is known as Reverse Repo Rate.

    Son: Great! So now I understand CRR, SLR, Repo Rate, Reverse Repo Rate and their impact on deposit rate, loan interest rate and on inflation

    • kohli

      thank u bro

  • Vidhi Agarwal

    Kon kon ippb prelim clear hone ko lekar confident h?

  • ŘJ *-*

    Thanks Nadaan 🙂
    But I think I m not a right person for this Post 😐

    • Who will decide this?

    • Rafael Nadal

      kyu nhi ho?

      • ŘJ *-*

        Antaraatma ki aawaj 🙂

        • Rafael Nadal

          its ok..antaraatma ko samjao…ki tum ho

    • kohli

      rj rj congrats aab iphone dedo muje 😛

      • ŘJ *-*

        Hahahaha. .after 1st April

  • Vidhi Agarwal
  • Vidhi Agarwal

    Nandu if possible Indian bank wali news ko ek alag post banake highlight karo
    Warna sab prelim ko casually lenge

    • Abhishek Pavan

      aPPPP LIKHREY ?

      • Vidhi Agarwal

        nhi i didnt