Saturday 20 December 2014
[BOOKS] MARKETING EBOOKS
[BOOKS] MARKETING EBOOKS
1. MARKETING E-BOOK by www.exampundit.in2. Mahendras Banking INSTITUTE- Marketing Ebook Part-1
Marketing Ebook Part-2
3. BankersAdda- Marketing CAPSULE-1
Marketing CAPSULE-2
[ESSAY] PAYMENT BANKS
[ESSAY] PAYMENT BANKS
Payment Bank is a entity which will allow you to open Savings and
Current Account like the other Banks. However, the difference is that a
Payment Bank can be your mobile operator or supermarket chain(eg. Big
Bazar) or even a NBFC.
Payment Banks helps the customer to handle cash a lot easier by
providing privileages like transferring money from your Mobile Phones to
any bank account or another mobile phone customer and also you can
recieve the money similar way.
The added advantages are paying bills, paying at the Shopping Retailers and recharges etc.
What Makes Payment Banks Different From Normal Banks?
Payment Banks helps the customer to handle cash a lot easier by providing privileages like transferring money from your Mobile Phones to any bank account or another mobile phone customer and also you can recieve the money similar way.
The added advantages are paying bills, paying at the Shopping Retailers and recharges etc.
Payment Banks helps the customer to handle cash a lot easier by providing privileages like transferring money from your Mobile Phones to any bank account or another mobile phone customer and also you can recieve the money similar way.
The added advantages are paying bills, paying at the Shopping Retailers and recharges etc.
India has a vast growing Mobile Users Database with over 91 Crore
customers. So basically providing the service will increase the
Financial Inclusion Programme. Basically it will help the citizen a lot
on the other hand it will boost up the financial inclusion.
Payment Banks will give an interest to the customer's account each year similar like Banks.
The only thing Payment Banks will note provide is Giving Out LOANS.
The RBI has stipulated that every payments bank must have an equity capital of 100 crore to start off and maintain a capital adequacy of 15 per cent. Apart from these, it will need to meet cash reserve requirements and needs to invest in specific securities to meet the statutory liquidity ratio. All these amounts are to be invested in government securities or treasury bills. Promoter’s holding must be at least 40 per cent for the first five years, and eventually reduced to 26 per cent over 12 years.
NACHIKET MORE COMMITTEE is the officially appointed Committee which recommended Payment Banks to increase the Financial Inclusion Programme.
Nachiket More Committee is also known as ‘Committee on Comprehensive Financial Services for Small Businesses and Low-Income Households’.
Payment Banks will give an interest to the customer's account each year similar like Banks.
The only thing Payment Banks will note provide is Giving Out LOANS.
The RBI has stipulated that every payments bank must have an equity capital of 100 crore to start off and maintain a capital adequacy of 15 per cent. Apart from these, it will need to meet cash reserve requirements and needs to invest in specific securities to meet the statutory liquidity ratio. All these amounts are to be invested in government securities or treasury bills. Promoter’s holding must be at least 40 per cent for the first five years, and eventually reduced to 26 per cent over 12 years.
NACHIKET MORE COMMITTEE is the officially appointed Committee which recommended Payment Banks to increase the Financial Inclusion Programme.
Nachiket More Committee is also known as ‘Committee on Comprehensive Financial Services for Small Businesses and Low-Income Households’.
Monday 15 December 2014
RBI GRADE-B PHASE-2 DETAILED SYLLABUS
RBI GRADE-B PHASE-2 DETAILED SYLLABUS
PHASE II
Descriptive Type Test
The Phase II Examination will be conducted only for those candidates who are shortlisted for Phase I(ObjectiveTypeTest).
The Examination will consist of three DescriptiveType papers –
(1) Paper I – English
(2) Paper II– Economic and Social Issues and
(3) Paper III – Finance and Management.
Each of these papers is of 3 hours duration carrying 100 marks.
Syllabus for Paper I – English :
Essay , Precis writing, Comprehension, Business/Office Correspondence.
Syllabus for Paper II – Economic and Social Issues :
Growth and Development – Measurement of Growth : National Income and Per Capit
a Income – Poverty Alleviation and Employment Generation in India– Sustainable Development and Environmental issues. Economic Reforms in India – Industrial and Labour
Policy – Monetary and Fiscal Policy – Privatisation – Role of Economic Planning. Globalisation – Opening up of the Indian Economy – Balance of Payments, Export-Import Policy – International Economic Institutions– IMF and World Bank – WTO – Regional Economic Co-operation. Social Structure in India – Multiculturalism – DemographicTrends – Urbanisation and Migration – Gender Issues – Social Justice : Positive Discrimination
in Favour of the Under Privileged – Social Movements – Indian Political System – Human Development – Social Sectors in India, Health and Education.
Syllabus for Paper III – Finance and Management :
Finance :
The Union Budget – Direct and Indirect Taxes; Non-tax Sources of Revenue; Outlays; New Measures; Financial Sector Reforms; Capital Market,Money Market and Foreign Exchange Market, Stock Exchanges and their Regulation; Capital Market Intermediaries and their Regulation; Role of SEBI; Functions of the Money Market; Growth and Operation of
the Money Market; The Foreign Exchange Market; From FERA
to FEMA; Exchange Rate Management; Exchange Risk Management, Role of Banks and Financial Institutions in Economic Development; Regulation of Banks and Financial Institutions; Disinvestment in Public Sector Units.
Management :
Management, its Nature and Scope; The Management Processes, Planning, Organisation,
Staffing, Directing and Controlling; The Role of a Manager in an Organisation, Leadership; The Tasks of aLeader, Leadership Styles; LeadershipTheories; A Successful Leader versus an Effective Leader, Human Resource Development; Concept of HRD, Goals of HRD, Performance Appraisal – Potential Appraisal and Development – Feedback and Performance Counselling – Career Planning –Training and Development –Rewards – Employee Welfare, Motivation, Morale and Incentives; Theories of Motivation : How Managers Motivate; Concept of Morale; Factors Determining Morale; Role of Incentives in Building up Morale.Communication : Steps in the Communication Process; Communication Channels; Oral versus written Communication; Verbal versus Non-verbal Communication; Upward, Downward and Lateral Communication; Barriers to Communication, Role of Information Technology, Corporate Governance; Factors affecting Corporate Governance; Mechanisms of Corporate Governance.
PATTERN OF EXAMINATION
PATTERN OF EXAMINATION
The Phase I examination is having the following sections
1. General Awareness: 80 Questions
2. English Language: 30 Questions
3. Quantitative Aptitude: 30 Questions
4. Verbal Reasoning : 60 Questions.
In total 200 questions and each question carries 1 mark. 2 hours and 10 minutes are available to complete the examination.
The Phase II descriptive examination having the following papers
Paper I – English (Essay, [Precis writing, Comprehension [Business / Office Correspondence]
Paper II – Economic and Social Issues
Paper III – Finance & Management
Each paper is a 3 hour examination consists descriptive questions and carries 100 marks.
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