Interview Questions.

Q1. How Many Types Of Subsidiaries Does Rbi Have?

RBI has two types’ subsidiaries:

Fully owned subsidiary.

Majority stack subsidiary.

Q2. What Are The General Techniques Used By Sccs?

The general strategies utilized by SCCs are:

Minimum margin for lending towards security designated commodities is fixed.

Ceiling on most advances to person borrower towards inventory of positive commodities.

Minimum discriminatory costs of hobbies prescribed for certain styles of advances.

Prohibition of clean advances for financing hoardings of touchy commodities.

Prohibition of the discounting of bills masking sale of sensitive commodities.

Q3. Name The Authority That Mint Coins In India And Also Name The Places Where The Minting Operation Is Processed?

The GOVERNMENT OF INDIA has the authority of minting cash below the advisory of RBI.

The minting of coins is operated inside the following towns:-

Mumbai

Noida

Kolkata

Hyderabad

Q4. When Rbi Was Established?

RBI become mounted on 1 April 1935 in accordance with the availability of the Reserve Bank of India Act 1934.

Q5. What Is Open Market Operation?

Open marketplace operation manner buy and sale of presidency securities by RBI from the public and banks on its very own account.

Q6. How Many Types Of Repos Are Available In International Market When Classified With Regard To Maturity Of Underline Security, Pricing, Terms Of Repo Etc.?

There are 4 sorts of repos are in International Market:

Buy-promote back Repo

Classic Repo

Bond lending/borrowing Repo

Tripartite Repo

Q7. By Which Mean Rbi Did The Off-site Surveillance?

RBI accomplishes the off-web site surveillance by using OFF-SITE SURVEILLANCE AND MONITORING SYSTEM (OSMOS).

Q8. When Was Rbi Nationalized?

RBI become nationalized on 1 January 1949.

Q9. What Is Reverse Repo Rate?

Reverse repo charge is the charge at which RBI borrows cash from the Bank.

Q10. Name The Rating System Given By Rbi For The Banking Sector?

The score system given by RBI for banking zone is referred to as CAMELS.

The significance of CAMELS is as observe:-

C - Capital adequacy ratio

A - Asset nice (level of NPA)

M - Management effectiveness

E - Earning (profitability)

L - Liquidity

S - System and manage

Q11. What Are Rbi Monetary Policy Objectives?

Monetary policy uses the devices under the principal bank to adjust the provision of price and use of money and credit score. Its intention is reaching the particular monetary goals like low and solid inflation and selling growth.

RBI targets:

To hold the fee balance.

Ensure the go with the flow of credit score to the effective sector of the economy.

Support the monetary growth.

Regulate the financial machine.

Q12. What Is Time Liability?

Fixed deposits, cash certificates, cumulative and RDs, group of workers protection deposits, deposit held as securities for advances etc. Are time liabilities.

Q13. What Are Indirect Instruments Of Monetary Policy?

Liquidity Adjustment Facility, Open marketplace operations, Market stabilization scheme, repo price, opposite repo price and bank charge the indirect instruments of financial coverage.

Q14. Name The Majority Stack Subsidiary Of Rbi?

National Bank for Agriculture and Rural Development (NABARD) is the only Majority Stack Subsidiary of RBI.

Q15. How Many Printing Presses For Printing Notes Are Available In India And Name The Places Where They Are Located?

There are 4 printing presses are available in India for printing notes. They are located at:-

Dewas (Madhya Pradesh)

Nasik (Maharashtra)

Mysore (Karnataka)

Salboni (West Bengal)

Q16. On Which Factors Scc Depend?

SCC depends upon the following factors:

The availability of non-financial institution finance.

The extent of effective credit restrictions

The degree of shortfall in deliver on the subject of normal demands.

Q17. What Are The Main Functions Of Rbi?

Functions of RBI:

It formulates implements and video display units the economic regulations.

It keeps the charge stability and ensures ok flow of credit.

It protects depositor’s hobby and presents value effective banking services to the public.

It manages the Foreign Exchange Management Act, 199@

It presents facility to external trade and payment. 

It problems and exchanges the currency and coin and destroys too besides 1Rs. 

It acts as bankers for the primary and country government banks.

Q18. What Is Statutory Liquidity Ratio (slr)?

SLR:– Statutory Liquidity Ratio. It is the proportion of internet call for and time liabilities that bank need to preserve in safe and liquid assets such as coins, gold, government securities and so forth. Every financial institution has to preserve at the near of enterprise each day.

Q19. What Do You Mean By Repo Rate?

Whenever the financial institution has any shortage of fund they are able to borrow it from RBI. Repo fee is the rate at which the bank can borrow the amount from RBI.

Q20. Name The Fund Management Scheme Introduced By Rbi Which Helps The Banks In Their Fund Management?

Two styles of fund control schemes had been introduced with the aid of the RBI which assist the banks to preserve their finances:-

Centralised fund control device (CFMS)

Transfer of finances across deposit account branch (DAD)

Q21. What Is Liquidity Adjustment Facility?

It includes each day infusion and absorption of liquidity on repurchase basis via repo and reverse repo using government protection as collateral.

Q22. What Is Market Stabilization Scheme (mss)?

In Market Stabilization Scheme large capital flow is absorbed through selling of brief-dated authorities securities and treasury bills.

Q23. What Is Scc?

The acronym of SCC is Selective Credit Control. It refers to the directives issued by means of RBI Banking Regulation Act 1949 to adjust the float of financial institution credit against the chosen commodities.

Q24. What Is Wma And What Does It Signifies?

WMA stands for “Way and Mean Advances”. It is a brief term loan from RBI to the GOVERNMENT OF INDIA which permits government to meet their monetary necessities.

Q25. What Is Cash Reserve Ratio (crr)?

Banks preserve a sure share in their total belongings in the form of coins, partially to fulfill their statutory reserve requirement and partially to meet their personal everyday needs for making payments. Hence cash is held partially inside the form of “coins available” and the partly coins inside the form of balances with the RBI. The ratio of bank’s stability with RBI to the banks internet demand and time liabilities is referred to as CRR.

Q26. What Is Bank Rate?

Bank fee is the charge which RBI fees at the loan and advances prolonged to business banks and different monetary intermediaries. It is a tool used by RBI to govern the supply of cash.

Q27. Name Some Para-banking Activities?

Following are some PARA-BANKING activities:-

Mutual funds business

Asset management

Insurance business

Merchant banking

Factoring service

Equity participation in undertaking capital

Leasing

Q28. What Are Direct Instruments Of Monetary Policy?

Cash Reserve Ratio, Statutory Liquidity Ratio and Refinance Facilities are the direct contraptions of Monetary Policy.

Q29. Which Is The New Instrument Launched By Rbi To Protect The Saving Of Poor And Middle Class People From Inflation And Insensitive Household Sectors?

On 15 May 2013 RBI launched a brand new tool known as “Inflation Index Bonds (IIBs)” to defend the savings of bad and middle class people from inflation and insensitive family sectors.

Q30. What Are The Objectives Of Slr?

Objectives of SLR:

To restriction growth of banks credit.

To increase banks funding in accredited securities.

To ensure solvency of banks.

Q31. Name The Fully Owned Subsidiaries Of Rbi?

RBI has three fully personal subsidiaries: 

National Housing Bank(NHB)

Deposit Insurance and Credit Guarantee Corporation of India(DICGC)

Bharatiya Reserve Bank Note Mudran Pvt. Ltd.(BRBNMPL)

Q32. What Is Para-banking?

RBI lets in the financial institution to perform some sports apart from banking. This is referred to as PARA-BANKING.