This Exam Covers the Following Topics

1. Introduction to Banking in India
   • Overview of the Indian banking system.
   • Types of banks and their roles.
2. Non-Banking Financial Companies (NBFCs)
   • Differences between Banks and NBFCs.
   • Types of NBFCs and their regulatory framework.
3. Reserve Bank of India (RBI) and its Functions
   • Role of the RBI as the central bank.
   • Monetary policy tools used by the RBI (Repo Rate, Reverse Repo Rate, CRR, SLR, MSF).
4. Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)
   • Definitions and implications for liquidity and money supply.
5. Repo Rate, Reverse Repo Rate, and Bank Rate
   • Definitions, differences, and their roles in the banking sector.
6. Marginal Standing Facility (MSF) and Liquidity Adjustment Facility (LAF)
   • Understanding the purpose and mechanics of MSF and LAF.
7. Monetary Policy in India
   • Objectives of monetary policy and its impact on the economy.
   • Tools used by the RBI to control inflation and promote growth.
8. Nationalization of Banks in India
   • Historical background and objectives.
   • Impact of nationalization on the banking sector.
9. Priority Sector Lending (PSL)
   • Definition, categories, and targets for banks.
   • Impact and significance of PSL.
10. Non-Performing Assets (NPAs)
    • Definition, causes, and impact on the banking sector.
    • Measures for managing and reducing NPAs.
11. Capital Adequacy Ratio (CAR) and Basel Norms
    • Understanding CAR and its importance.
    • Overview of Basel I, II, and III norms and their impact on banking regulations.
12. Asset Reconstruction Companies (ARCs) and Debt Recovery Tribunals (DRTs)
    • Role of ARCs and DRTs in managing bad loans.
    • Legal frameworks governing them (SARFAESI Act, 2002, and RDDBFI Act, 1993).
13. Open Market Operations (OMOs)
    • Role in managing liquidity in the economy.
    • Impact on interest rates and inflation.
14. Development of the Financial Sector and Financial Inclusion
    • Reforms in the banking sector and recommendations by various committees (Narasimham, Rajan, etc.).
    • Financial inclusion initiatives and their impact.
15. Monetary Aggregates and Money Supply
    • Definitions of Narrow Money (M1), Broad Money (M2, M3, M4), and their components.
    • Significance in economic analysis.
16. Foreign Exchange Management and Regulation
    • Role of the RBI in managing foreign exchange.
    • Regulatory framework and its implications on banking.
17. Differential Rate of Interest (DRI) Scheme
    • Purpose and impact on financial inclusion and lending to weaker sections.
18. Housing Finance and Chit Funds
    • Regulatory framework governing Housing Finance Companies (HFCs) and Chit Funds.

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