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HPAS MAIN- 2017(7)

PAPER-VI:  GENERAL  STUDIES-III (4 MARKS=50 words) UNIT–1 

TOPIC:Regulatory  framework  for money  and banking: Reserve  Bank  of  India  (RBI),  Commercial banks and  Regional  Rural  Banks. 

How  RBI controls the commercial banks?

Solution:

RBI controls the commercial banks by various instruments like Statutory Liquidity Ratio (SLR), Cash Reserve Ratio (CRR), Bank Rate, Prime Lending (PLR), Repo Rate, Reverse Repo Rate and fixing the interest rates and deciding the nature of lending to various sectors. These are those ratios and rates that are fixed by RBI and it is mandatory for all the commercial banks to follow or maintain these rates. All these measures control the commercials banks' operations and also control money supply in Indian economy.

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