Showing posts with label bank exams. Show all posts
Showing posts with label bank exams. Show all posts

22 March, 2017

SBI PO Salary and Other Benefits

Well this post will obviously give you some motivation to work hard for your goal. Ultimately everyone is working to earn their bread and butter and no one would mind to have a dessert by the end of the day. SBI is known for its perks and benefits and I am sure it is something that everyone of you would like to have.

SBI PO is most sought after job after RBI. Well definitely, SBI PO 2017 is going to change the life of some aspirants. In terms of Social Status and Financial Status, SBI is going to give you an identity that anyone would like to have. We have received thousands of mail and queries regarding the salary of SBI PO. Well, the salary of SBI PO is more than the salary of other banks PO. In terms of various perks, SBI enables its employees with more financial stability.

This post is dedicated to the salary components and growth path in SBI. Before we discuss the exact salary structure of SBI PO, we would like to share one more fact that it differs from place to place. The basic components remain the same, but allowances are different for different cities. Now let us discuss the salary structure of SBI PO who will be joining the bank by the end of 2017.

The basic salary of SBI PO mentioned in Official Notification is Rs. 23700. But the SBI Probationary Officer gets 4 advance increments of Rs 980 which will be added to the basic. Now the basic that we get in total is Rs. 27620


Basic Salary = Rs. 27620
Dearness Allowance = Rs. 12677
City Compensatory Allowance (CCA) = Rs. 870
Special Allowance = Rs. 2140

Total Earning Before Deductions = Rs. 43307


PF (10% of Basic) = Rs. 2762
NPS (10% of Basic+DA) = Rs. 4000
Income Tax = As per govt norms.

Other allowances including Newspapers, Entertainment allowance, Conveyance etc.) = Rs. 4130
HRA = Rs. 2486

Salary In Hand = Rs 40000 Per Month (Approx.)

Below Is The Salary Slip Of Currently Working Scale I Officer In SBI

Apart from above said renumerations, the officers are entitled to following benefits as well:

Leased accommodation ranging from Rs 8,000/- in ‘C’ category Centres to Rs.29,500/- in Mumbai Centre.Medical Aid for Self (100%) and for Family (75%).Home Travel Concession/ Leave Fare Concession.Concessional interest rates for Housing/Car/Personal Loans

This is all that one should know about the salary component of SBI Probationary Officer. So friends, we are sure that these monetary benefits are enough to encourage you all. And apart from these, you will be the BANKER in SBI. Below Image will describe the Growth Path of Probationary Officer.

Important Newspapers for Governments Exam

1. Al-Ahram - Egypt 

2. Izvestia - Russia 

3. The Dawn - Pakistan 

4. Daily News - USA

5. Daily Telegraph - UK

6. Aftonbladet - Sweden 

7. The Daily Mirror - UK

8. The Times - UK

9. The Guardian - UK

10. New Statesman - UK

11. New York Times - USA

12. Pakistan Times - Pakistan 

13. Pravda - Russia 

14. People’s Daily - China 

15. Merdeka - Indonesia 

16. Le Monde - France 

17. Wall Street Journal - USA

18. Clarin - Argentina 

19. The Age - Australia 

20. Gulf Daily News - Bahrain 

21. Correio Braziliense - Brazil 

22. Chronical-Herald - Canada 

23. China Daily - China 

24. Middle East times - Egypt 

25. Courier International - Germany 

26. The Jakarta Post - Indonesia 

27. Tehran Times - Iran 

28. Globes - Israel 

29. La Repubblica - Italy 

30. Asahi Shimbun - Japan 

31. El Universal - Mexico 

32. Gazeta Wyborcza - Poland 

33. O’Independente - Portugal 

34. Gulf Times - Qatar 

35. Gazeta - Russia 

36. Politika - Serbia 

37. El Mundo - Spain 

38. Aksam - Turkey  

12 March, 2017

SBI launches 'work from home' facility for Employees

Every bank aspirant wants job in SBI, why? Most of the people will say that it is the country's largest lender bank and provide high invisible perks Yes, this is very true and to continue this praxis in banking sector here SBI comes up with one more immensely facility to enable its employees to work from home.

Yes, you heard it right now if you are SBI employee you can work from home using mobile devices to address any urgent requirement they may have. The lender will be using mobile computing technologies and shall have continuous control over all the enabled devices centrally to manage and secure the data and applications on the mobile devices. This initiative will help to save a lot of time and some urgent work will not suffer. This step will lead to huge employee satisfaction and also somehow ones can manage work-life balance.

This is a motivation factor for all those who are working in this renowned organisation and also for those who wants to. So, all aspirants here you are with one more reason to prepare urself hard for upcoming SBI exam.


21 November, 2016

GA Questions asked in IBPS PO MAINS 2016

1. Corporation Bank Headquarter- Mangalore

2. BSDBA limit - Rs. 10000

3. Khaliko Pul was CM of- Arunachal Pradesh

4. NATO Summit 2017- Belgium (Brussels)

5. One Question asked from Payment Bank

6. One Question asked from MIPS 

7. One Question asked from Nobel prize in Economy 2016

8. Indravati national park which district-Dantewada, Chhattisgarh

9. Bhavani dam which state- Tamil Nadu

10. Antiwerp diamond situated in which country- Belgium 

11. EFTPOS stands for- Electronic Funds Transfer at Point of Sale 

12. One Question asked from Gross value added (GVA) Rate

13. 22195 cr given for capitalization& for- 13 ailing public sector banks 

14. CRR need for? - CRR is a crucial monetary policy tool and is used for controlling money supply in an economy

15.  Bermuda triangle in which ocean- North Atlantic Ocean

03 November, 2016

बैंको के Headquarters के नाम याद रखने की Short Trick

A. याद रखने के लिए
यदि किसी बैंक के नाम में " Bank of India " आता है तो उसका मुख्यालय मुंबई होगा
3. Industrial Development BANK OF INDIA ==> MUMBAI
7. Securities and Exchange BOARD OF INDIA ==> MUMBAI
8. Dena Bank - ==> MUMBAI (देना बैंक को छोड़ कर)
B. यदि किसी बैंक के नाम में " UNITED " आता है तो उसका मुख्यालय KOLKATA होगा.
9. UNITED Bank of India
10. UNITED Commercial Bank
11. Allahbad Bank
C. यदि किसी बैंक के नाम में " PUNJAB MAHILA " आता है तो उसका मुख्यालय DELHI होगा.
12. PUNJAB National Bank
13. PUNJAB & Sind Bank
14. Bharathiya MAHILA Bank
15. Oriental bank of commerce
D. यदि किसी बैंक के नाम में " INDIAN " आता है तो उसका मुख्यालय CHENNAI होगा.
16. INDIAN Overseas Bank
17. INDIAN Bank
E. यदि किसी बैंक के नाम में " VIJAY or CAN " आता है तो उसका मुख्यालय BENGALURU होगा.
18. VIJAYa Bank
19. CANara Bank
F. व्यक्तिगत बैंक (INDIVIDUAL BANKS)
20) Bank of BARODA ==> BARODA/
21) Bank Of Maharashtra ==> PUNE (Maharashtra)
22) Corporation Bank ==> MANGALURU
23) Syndicate Bank ==> MANIPAL

15 October, 2016

Banking Related Acts

==> Negotiable Instrument Act–1881
==> The Bankers’Books Evidence Act–1891
==> The ReserveBank of India Act–1934
==> The Industrial Finance Corporation of India Act–1948
==> The Banking Companies (Legal Practitioner Clients’ Accounts) Act–1949
==> The Industrial Disputes (Banking and Insurance Companies) Act–1949
==> The Banking Regulation(Companies) Rules–1949
==> The Banking Regulation Act–1949
==> The State Financial Corporations Act–1951
==> The Reserve Bank of India (Amendment and Misc. Provisions) Act–1953
==> The Industrial Disputes (Banking Companies) Decision Act–1955
==> The State Bank of India Act–1955
==> The State Bank of India (Subsidiary Banks) Act-1959
==> The Subsidiary Banks General Regulation–1959
==> The Deposit Insurance and Credit Guarantee Corporation Act–1961(DICGC)
==> The Banking Companies (Acquisition and Transfer of Undertakings) Act–1970
==> The Regional Rural Banks Act–1976
==> The Banking Companies (Acquisition and Transfer of Undertakings) Act–1980
==> The Export-Import Bank of India Act–1981
==> The National Bank for Agriculture and Rural Development Act–1981
Chit Fund Act–1982
==> Sick Industrial Companies (Special Provisions)Act–1985
==> The National Housing Bank Act–1987
==> SIDBI Act–1989
==> The Special Court (trial of Offences relating to Transactions in Securities) Act–1992
==> The Industrial Finance Corporation (Transfer of Undertakings and Repeal) Act–1993
==> Industrial Reconstruction Bank (Transfer of Undertaking & Appeal) Act–1997
==> The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act–(SARFASI-2002)
==> Industrial Development Bank (Transfer of Undertaking & Repeal) Act–2003
==> Credit Information Companies (Rules & Regulation) Act–2005
==> The Industrial Finance Corporation of India Act–1948
==> The Banking Companies (Legal Practitioner Clients’ Accounts) Act–1949
==> The Industrial Disputes (Banking and Insurance Companies) Act–1949
==> The State Financial Corporations Act–1951
==> The Reserve Bank of India (Amendment and Misc. Provisions) Act–1953
==> The Industrial Disputes (Banking Companies) Decision Act–1955
==> The State Bank of India Act–1955
==> The State Bank of India (Subsidiary Banks) Act-1959
==> The Subsidiary Banks General Regulation–1959
==> The Deposit Insurance and Credit Guarantee Corporation Act–1961
==> The National Bank for Agriculture and Rural Development Act–1981
==> Chit Fund Act–1982
==> Shipping Development Fund Committee (Abolition)Act–1985
==> Sick Industrial Companies (Special Provisions)Act–1985
==> The National Housing Bank Act–1987
==> The Special Court (trial of Offences relating to Transactions in Securities) Act–1992
==> The Industrial Finance Corporation (Transfer of Undertakings and Repeal) Act–1993
==> Industrial Reconstruction Bank (Transfer of Undertaking & Appeal) Act–1997
==> SIDBI General Regulations, 1990
==> Banking Regulation (Companies) Rules 1949
==> The Nationalised Banks (Management and Misc. Provisions)Scheme,1970
==> NABARD General Regulations 1982
==> Banking Companies (Period of Preservation of Records) Rules, 1985
==> Banking Companies (Regulation)Rules,1985
==> NABARD Bonds Regulations — 1988
==> The Banking Ombudsman Scheme, 2006
==> Factoring Act Rules, 2011
==> SARFAESI (Central registry) Rules,2011
==> Banker’s Books Evidence Act, 1891
==> Banking Regulation Act, 1949
==> Banking Companies (Legal Practitioners’ Clients’ Account) Act, 1949
==> Banking Regulation (Companies) Rules, 1949
==> Banking Companies (Acquisition and Transfer of Undertaking) Act, 1969
==> Debts Recovery Appellate Tribunal (Procedure) Rules,1994
==> Foreign Contribution (Regulation) Act, 1976
==> Foreign Exchange Management Act, 1999
==> Indian Partnership Act, 1932
==> Indian Stamp Act, 1899
==> Indian Trusts Act, 1882
==> Limitation Act, 1963
==> Recovery of Debts due to Banks and Financial Institutions Act,1993
==> Reserve Bank of India Act — 1934

06 October, 2016

Reasoning Study Notes: Coding Decoding

Dear Readers,

Today we’ll discuss about Coding- Decoding. This topic is can fetch you marks easily but you need to know the right concepts and types of questions to practice.

In banking exams Coding Decoding questions can be asked in Data Sufficiency or there can be direct questions of coding-decoding itself. Usually 3-5 questions can be asked from this topic, thus it can fetch you easy marks with right practice.


1. Try to focus on the thinking behind the solution.

Example 1: If GLORIOUS is coded as GOLRIOSU, code ‘JUDICIAL’?
Solution: This doesn’t need any explanation. A simple question based on observation.
As G L O R I O U S is coded as G O L R I O S U, we are that second and third letters are interchanged, again last two letters are also interchanged as shown below.
Using the same logic, the word J U D I C I A L is coded as J D U I C I L A

Example 2: If PEN is written as ‘+X’ and ENT is written as ‘X–’ in a certain code, how is TEN written in the same code?
Solution: The first thing to notice is that PEN has three characters while +X has only two. So two characters of PEN have been replaced by a single character. The same pattern can be seen in the case of ENT.
We must look for something common in the two of them PEN and ENT.
PEN = “+X”
ENT = “X–”
Common feature in both the above are EN & X.
So P = +, EN = X & T = –
TEN = –X

Here letters are assigned codes according to a set pattern or rule concerning the movement or reordering / rearranging of letters and you need to detect this rule to decode a massage. Sometimes, specific codes are assigned to particular letters without any set pattern. Observe a few examples to know the various reordering or rearranging techniques.

Direction for example 3: In these questions the real alphabets in a word are replaced by certain other alphabets according to a specific rule to form its code.
Example 3: In a code language if TRAINS is coded as RTIASN, how PISTOL will be coded in the same language?

Solution: If we compare the basic word {TRAINS} with the coded word {RTIASN}, we would see that the letters used in the word are same as in the basic word but their order of placement has been changed. Letter T at first position of the basic word has been placed at second position in the coded word and the letter R at the second position has been placed in the first position.
It means that in this question, letters of the basic word have been interchanged i.e. first letter with second, third with the fourth and so on. And thus we get the coded word. So PISTOL will be coded as IPTSLO. Hence option (d) is the answer.

Numerical code is given or value is assigned to a word. Here the only way to relate the alphabets & numbers is by associating the positions of the letters in the English alphabet. Sometimes any mathematical operation like addition or subtraction can be performed using the position of the letters. Direct coding questions can also be asked.

Direction for example 4: In this question, either numerical code values are assigned to a word or alphabetical code letters are assigned to the numbers.

Example 4: If PAINT is coded as 74128 and EXCEL is coded as 93596, then how would you encode ACCEPT?
(a) 455978
(b) 547978
(c) 554978
(d) 735961

Solution: In the given code the alphabets have been coded as follows:
P     A     I     N     T     E     X     C     L
7     4     1     2     8     9     3     5     6
So, in ACCEPT, A is coded as 4, C as 5, E as 9, P as 7 and T as 8. Hence the correct code is 455978 and therefore the answer is Choice (a).

Some messages are given in the coded language and the code for a particular word or message is asked. To analyze such codes, any two messages bearing a common word are picked up. The common code number are picked up. Proceed in the similar fashion by picking up are possible combination of two, the entire message can be decoded.

Example 5: If ‘tee see pee’ means ‘drink fruit juice’; ‘see kee lee’ means ‘juice is sweet’ and ‘lee ree mee’ means ‘he is intelligent’, which word in that language means ‘swee’?
(a) see
(b) kee
(c) lee
(d) pee

Solution: In the first and second statement, the common word is ‘juice’ and the common code word is ‘see’. So, ‘see’ means ‘juice’.
In the second and third statements, the common word is ‘is’ and the common code is ‘lee’. So ‘lee’ means ‘is’. Thus in the second statement, the remaining word ‘sweet’ is coded as ‘kee’. Hence the answer is choice (b).

Example 6: In a certain code, ‘786’ means ‘study very hard’, ‘958’ means ‘hard work pays’ and ‘645’ means ‘study and work’. Which of the following is the code for ‘very’?
(a) 8
(b) 6
(c) 7
(d) Cannot be determined

Solution: Based on the same logic as used in the above question, the code for ‘very’ can be found out to be ‘7’, hence the answer is choice (c).

5. Coding decoding questions can also be asked in following types, these types were recently asked in SBI Exam and it puzzled many students. But if you read the instructions carefully and practice it, you can easily solve it.

Type: Symbols and Places of Digits

Example 6 : Triangle represents ∆ (1) and circle represents ○ (0). If triangle appears in unit's place then only its value is 0. If it appears in 10's place its value is 1 and when it appears in 100’s place is doubled to 2 like that it continues. Questions based on this
For example:
∆ ○ =0+0=0
∆○∆∆∆= 8+0+2+1+0=11

6.1. How will you represent ‘29’ in this code language?
(a) ∆∆∆○∆∆
(b) ○○∆∆∆○○
(c) ∆∆∆∆∆∆○
(d) ∆○∆○∆○∆
(e) ∆○∆∆○○ ○

Solution: (a)
∆∆∆○∆∆ = 16+8+4+0+1+0=29

6.2. What will be the code for  ○∆○∆○∆○ ?
(a) 12

Solution: (c)
○∆○∆○∆○ = 0+16+0+4+0+1+0=21

Type : (Tabular) Coding based on Conditions

Example 7: In each question below is given a group of numbers separated by comma (,). They are followed by four combinations of letters/symbols numbered (1), (2), (3) and (4). You have to find out which of the given combinations correctly represents the group of numbers based on the following coding system and mark the new code of that combination as the answer. If no condition is applicable coding will be according to the table.  If none of the four combinations correctly represents the group of numbers, mark ‘None of the above’, as the answer.

1) If the first number is a prime and the last number is a composite number then their codes are to be interchanged.
2) If both the first and the last number is Prime both are to be coded as $.
3) If both the first and the last letters are Composite and in between there are two or more Prime numbers then Prime numbers are to be coded as A.
4) If the first number is composite and the last number is a prime number, both are to be coded as the code for the composite number.

7.1.  4, 17, 88, 16, 3
(a) #,K,&,$,#
(b) A,K,&,$,#
(c) A,K,&,$,A
(d) $,K,&,$,$
(e) None of the above.

Solution: (a)
In 4,17,88,16,3 the first number is a composite and last is a prime; so codes will be according to condition (4).

7.2.  44, 11, 4, 2, 8
(a) $,S,#,C,$
(b) A, S,#,C,A
(c) B, S,#,C,@
(d) @,S,#,C,B
(e) None of the above

Solution: (d)
Given set of numbers are 44,11,4,2,8, here both first and last numbers are composite and there is only one prime number in between them. Hence no condition will apply and the codes are according to the given symbol table.

28 September, 2016

Study Notes: Banking and Finance

Today in the study Notes we are Discuss about NABARD


(National Bank for Agriculture and Rural Development) set up as an apex Development Bank by the Government of India with a mandate for facilitating credit flow for promotion and development of agriculture, cottage and village industries etc.


Dr. Harsh Kumar Bhanwala, Chairman, NABARD, is a Post Graduate in Management from IIM, Ahmedabad


NABARD has its head office at Mumbai, India.


At the instance of Government of India and Reserve Bank of India (RBI), constituted a committee to review the arrangements for institutional credit for agriculture and rural development (CRAFICARD) on 30 March 1979, under the Chairmanship of Shri B.Sivaraman, former member of Planning Commission, Government of India to review the arrangements for institutional credit for agriculture and rural development.

The Committee, in its interim report, submitted on 28 November 1979, felt the need for a new organisational device for providing undivided attention, forceful direction and pointed focus to the credit problems arising out of integrated rural development and recommended the formation of National Bank for Agriculture and Rural Development(NABARD).

The Parliament, through Act,61 of 1981, approved the setting up of NABARD. The bank came into existence on 12 July 1982 by transferring the agricultural credit functions of RBI and refinance functions of the then Agricultural Refinance and Development Corporation (ARDC). NABARD was dedicated to the service of the nation by the late Prime Minister Smt. Indira Gandhi on 05 November 1982.

NABARD was set up with an initial capital of  100 crore. Consequent to the revision in the composition of share capital between Government of India and RBI, the paid up capital as on 31 March 2015, stood at  5000 crore with Government of India holding  4,980 crore (99.60%) and Reserve Bank of India 20.00 crore (0.40%).

It has 336 District Offices across the country, one special cell at Srinagar. It also has 6 training establishments.


Promote sustainable and equitable agriculture and rural prosperity through effective credit support, related services, institution development and other innovative initiatives.


It works as an institution which looks after the development of the cottage industry, small industry and village industry, and other rural industries.

NABARD Refinance Available to-

- State co-operative agriculture and rural development banks (SCARDBs),

- State co-operative banks (SCBs),

- Regional rural banks (RRBs),

- Commercial banks (CBs) and other financial institutions approved by RBI.

While the ultimate beneficiaries of investment credit can be individuals, partnership concerns, companies, State-owned corporations or co-operative societies, production credit is generally given to individuals.

NABARD is also known for its 'SHG Bank Linkage Programme' which encourages India's banks to lend to self-help groups (SHGs). Largely because SHGs are composed mainly of poor women, this has evolved into an important Indian tool for microfinance. By March 2006, 22 lakh SHGs representing 3.3 core members had to be linked to credit through this programme.

NABARD also has a portfolio of Natural Resource Management Programmes involving diverse fields like Watershed Development, Tribal Development and Farm Innovation through dedicated funds set up for the purpose


 -Solar Scheme

-Capital Subsidy Schemes for Promoting Solar Photovoltaic Water Pumping Systems for Irrigation Purpose

-Capital Subsidy/Refinance Scheme for Installation of Solar Off Grid under Jawaharlal Nehru-National Solar Mission (JNNSM) of the Ministry of New and Renewable Energy

-Solar Water Heating System

-Agricultural Marketing Infrastructure, Grading and Standardization scheme

-Rural Godowns Scheme

-Dairy Enterpreneurship Development Scheme.

All the Very Best BA'ins for IBPS PO 2016 Prelims

22 September, 2016

Regional Rural Banks (RRBs)

Regional Rural Banks (RRBs) were established in 1975 under the provisions of the Ordinance promulgated on the 26th September 1975 and followed by Regional Rural Banks Act, 1976 with a view to develop the rural economy and to create a supplementary channel to the 'Cooperative Credit Structure' with a view to enlarge institutional credit for the rural and agriculture sector.


The Government of India, the concerned State Government and the bank, which had sponsored the RRB contributed to the share capital of RRBs in the proportion of 50%, 15% and 35%, respectively. The area of operation of the RRBs is limited to notified few districts in a State. The RRBs mobilise deposits primarily from rural/semi-urban areas and provide loans and advances mostly to small and marginal farmers, agricultural labourers , rural artisans and other segments of priority sector.

The RBI in 2001 constituted a Committee under the Chairmanship of Dr V S Vyas on “Flow of Credit to Agriculture and Related Activities from the Banking System” which examined relevance of RRBs in the rural credit system and the alternatives for making it viable. The consolidation process thus was initiated in the year 2005 as an off-shoot of Dr Vyas Committee Recommendations. First phase of amalgamation was initiated Sponsor Bank-wise within a State in 2005 and the second phase was across the Sponsor banks within a State in 2012. The process was initiated with a view to provide better customer service by having better infrastructure, computerization, experienced work force, common publicity and marketing efforts etc. The amalgamated RRBs also benefit from larger area of operation, enhanced credit exposure limits for high value and diverse banking activities. As a result of amalgamation, number of the RRBs has been reduced from 196 to 64 as on 31 March 2013. The number of branches of RRBs increased to 17856 as on 31 March 2013 covering 635 districts throughout the country.

Sources of Funds

The sources of funds of RRBs comprise of owned fund, deposits, borrowings from NABARD, Sponsor Banks and other sources including SIDBI and National Housing Bank.

Owned Funds

The owned funds of RRBs comprising of share capital, share capital deposits received from the shareholders and the reserves stood at  19304 crore as on 31 March 2013 as against  16462 crore as on 31 March 2012; registering a growth of 17.26%. The increase in owned funds to the tune of  2842 crore was mainly on account of accretion to reserves by the profit making RRBs. The share capital and share capital deposits together amounted to  6174 crore of total owned fund while the balance amount of  13130 crore represented reserves.

Recapitalisation of RRBs

(a) The Chakrabarty Committee reviewed the financial position of all RRBs in 2010 and recommended for recapitalisation of 40 out of 82 RRBs for strengthening their CRAR to the level of 9 per cent by 31 March 2012. According to the Committee, the remaining RRBs are in a position to achieve the desired level of CRAR on their own. Accepting the recommendations of the committee, the GOI along with other shareholders decided to recapitalise the RRBs by infusing funds to the extent of  2200 Crore. The shareholder wise proportion (GOI/Sponsor Banks/State Governments) is 50:35:15 respectively. 

(b) As on 31 March 2013, an amount of  2015.86 crore has been released to 37 RRBs in 20 States. The released amount includes GoI’s contribution of  1003.92 crore, State Govt's contribution of 303.59 crore and Sponsor bank's contribution of  708.35 crore. The recapitalisation is complete in respect of 35 RRBs (5 in Odisha , 3 in MP, 2 in Uttarakhand, 2 in Jharkhand, 2 in Chhatisgarh, 2 in Bihar, 2 in Maharashtra, 3 in West Bengal, 5 in Rajasthan and one each in Assam, Arunachal Pradesh, Nagaland, Tripura, J&K, Karnataka, Tamil Nadu, Gujarat & UT of Puducherry). GoI share 7.99 cr. is pending in respect of Manipur Rural Bank. Mizoram State Government has partially released  0.50 crore in respect of Mizoram Rural Bank and  2.80 crore is pending. Two State Govts. viz. UP(2 RRBs), & J&K (1 RRB) have not released any amount in respect of 3 RRBs operating in their states. Out of 35 fully recapitalised RRBs, 3 RRBs viz. Central Madhya Pradesh GB, Manipur Rural Bank and Mizoram GB have not achieved CRAR of 9 per cent as on 31.3.2013.


Deposits of RRBs increased from  186336 crore to  211458 crore during the year registering growth rate of 13.48 %. There are Thirty three (33) RRBs having deposits of more than  3000 crore each.

The Regional Rural Banks (Amendment) Bill, 2014

The Regional Rural Banks (Amendment) Bill, 2014 was introduced by the Minister of Finance, Mr. Arun Jaitley, in Lok Sabha on December 18, 2014.  The Bill seeks to amend the Regional Rural Banks Act, 1976. 

The Regional Rural Banks Act, 1976 mainly provides for the incorporation, regulation and winding up of Regional Rural Banks (RRBs). 

Sponsor banks:  The Act provides for RRBs to be sponsored by banks.  These sponsor banks are required to (i) subscribe to the share capital of RRBs, (ii) train their personnel, and (iii) provide managerial and financial assistance for the first five years.  The Bill removes the five year limit, thus allowing such assistance to continue beyond this duration.

Authorised capital:  The Act provides for the authorised capital of each RRB to be Rs five crore.  It does not permit the authorised capital to be reduced below Rs 25 lakh.  The Bill seeks to raise the amount of authorised capital to Rs 2,000 crore and states that it cannot be reduced below Rs one crore.

Issued capital:  The Act allows the central government to specify the capital issued by a RRB, between Rs 25 lakh and Rs one crore.  The Bill requires that the capital issued should be at least Rs one crore.

Shareholding: The Act mandates that of the capital issued by a RRB, 50% shall be held by the central government, 15% by the concerned state government and 35% by the sponsor bank.  The Bill allows RRBs to raise their capital from sources other than the central and state governments, and sponsor banks.  In such a case, the combined shareholding of the central government and the sponsor bank cannot be less than 51%.  Additionally, if the shareholding of the state government in the RRB is reduced below 15%, the central government would have to consult the concerned state government.  

The Bill states that the central government may by notification raise or reduce the limit of shareholding of the central government, state government or the sponsor bank in the RRB. In doing so, the central government may consult the state government and the sponsor bank.  The central government is required to consult the concerned state government when reducing the limit of shareholding of the state government in the RRB.

Board of directors:  The Act specifies the composition of the Board of Directors of the RRB to include a Chairman and directors to be appointed through the central government, NABARD, sponsor bank, Reserve Bank of India, etc.  The Bill states that any person who is a director of an RRB is not eligible to be on the Board of Directors of another RRB.

The Bill also adds a provision for directors to be elected by shareholders based on the total amount of equity share capital issued to such shareholders.  If the equity share capital issued to shareholders is 10% or less, one director shall be elected by such shareholders.  Two directors shall be elected by shareholders where the equity share capital issued to them is from 10% to 25%.  Three directors shall be elected in case of equity share capital issued being 25% or above.  If required, the central government can also appoint an officer to the board of directors to ensure effective functioning of the RRB.

The Act specifies the term of office of a director (excluding the Chairman) to be not more than two years.  The Bill raises this tenure to three years.  The Bill also states that no director can hold office for a total period exceeding six years.

Closure and balancing of books:  As per the Act, the books of a RRB should be closed and balanced as on December 31 every year.  The Bill changes this date to March 31 to bring the Act in uniformity with the financial year.  

At present there are 56 RRBs in India (There is no RRBs working in Goa and Sikkim)

Name of the RRBs Present Head Office State / UT 

1. Allahabad UP Gramin Bank Banda, Uttar Pradesh 

2. Andhra Pradesh Grameena Vikas Bank Warangal, Telangana 

3. Andhra Pragathi Grameena Bank Kadapa, Andhra Pradesh 

4. Arunachal Pradesh Rural Bank Naharlagun (Papumpare), Arunachal Pradesh 

5. Assam Gramin Vikash Bank Guwahati, Assam 

6. Bangiya Gramin Vikash Bank Murshidabad, West Bengal 

7. Baroda Gujarat Gramin Bank Bharuch, Gujarat 

8. Baroda Rajasthan Kshetriya Gramin Bank Ajmer, Rajasthan

9. Baroda UP Gramin Bank Raibareilly, Uttar Pradesh 

10. Bihar Gramin Bank Begusarai, Bihar 

11. Central Madhya Pradesh Gramin Bank Chhindwara, Madhya Pradesh 

12. Chaitanya Godavari Grameena Bank Guntur, Andhra Pradesh 

13. Chhattisgarh Rajya Gramin Bank Raipur, Chhattisgarh 

14. Dena Gujarat Gramin Bank Gandhinagar, Gujarat 

15. Ellaquai Dehati Bank Srinagar, Jammu & Kashmir 

16. Gramin Bank of Aryavart Lucknow, Uttar Pradesh 

17. Himachal Pradesh Gramin Bank Mandi, Himachal Pradesh 

18. J & K Grameen Bank Jammu, Jammu & Kashmir 

19. Jharkhand Gramin Bank Ranchi, Jharkhand 

20. Karnataka Vikas Grameen Bank Dharwad, Karnataka 

21. KashiGomtiSamyut Gramin Bank Varanasi, Uttar Pradesh 

22. Kaveri Grameena Bank Mysore, Karnataka 

23. Kerala Gramin Bank Mallapuram, Kerala 

24.  Langpi Dehangi Rural Bank Diphu, Assam 

25. Madhya Bihar Gramin Bank Patna, Bihar 

26. Madhyanchal Gramin Bank Sagar, Madhya Pradesh 

27.  Maharashtra Gramin Bank Aurangabad, Maharashtra 

28. Malwa Gramin Bank Sangrur, Punjab 

29.  Manipur Rural Bank Imphal, Manipur 

30. Meghalaya Rural Bank Shillong, Meghalaya 

31. Mizoram Rural Bank Aizawl, Mizoram 

32. Nagaland Rural Bank Kohima, Nagaland 

33. Narmada Jhabua Gramin Bank Indore, Madhya Pradesh 

34. Odisha Gramya Bank Bhubaneshwar, Odisha 

35.  Pallavan Grama Bank Salem, Tamil Nadu 

36.  Pandyan Grama Bank Virudhunagar, Tamil Nadu 

37. Paschim Banga Gramin Bank Howrah, West Bengal

38.  Pragathi Krishna Gramin Bank Bellary, Karnataka 

39. Prathama Bank Moradabad, Uttar Pradesh 

40. Puduvai Bharthiar Grama Bank, Puducherry 

41. Punjab Gramin Bank Kapurthala, Punjab

42. Purvanchal Bank Gorakhpur, Uttar Pradesh 

43.  Rajasthan Marudhara Gramin Bank Jodhpur, Rajasthan 

44. Saptagiri Grameena Bank Chittor, Andhra Pradesh  

45. Sarva Haryana Gramin Bank Rohtak, Haryana 

46. Sarva UP Gramin Bank Meerut, Uttar Pradesh 

47. Saurashtra Gramin Bank Rajkot, Gujarat 

48. Sutlej Gramin Bank Bhatinda, Punjab 

49. Telangana Grameena Bank Hyderabad, Telangana 

50. Tripura Gramin Bank Agartala, Tripura 

51. UtkalGrameen Bank Bolangir, Odisha 

52. Uttarbanga Kshetriya Gramin Bank Coochbehar West Bengal 

53. Uttar Bihar Gramin Bank Muzaffarpur Bihar, 

54. Uttarakhand Gramin Bank Dehradun, Uttarakhand 

55. Vananchal Gramin Bank Dumka, Jharkhand 

56. Vidharbha Konkan Gramin Bank Nagpur, Maharashtra 

20 August, 2016

56 Days Study Plan for IBPS PO Prelims 2016

By Bankersadda
We all want to be in the Top Companies & when we talk about banking sector, we all want to be a Probationary Officers' (PO) in PSBs.
To become a Probationary Officer is a dream of many bank aspirants. You work hard all year for this one opportunity and here we have IBPS PO Pre Exam in 56 days. What you do in these 56 days will make or break your dream of becoming a PO.All the hard work you’ve been doing so far now if not channelised properly into smart work, might then go in vain. It is very important for you to understand that from now onwards, every move that you make counts.
Key to CRACK IBPS PO Entrance Exam

How should you plan to work in these areas: Quantitative Aptitude, Reasoning, English
Quantitative Aptitude
If you are good in calculation and you’ve cleared your basics then this section is good for scoring. For quantitative aptitude, its practice that matters for scoring well in limited time. But if you find this section difficult, start working on it with a smart plan. Learn basic concepts and practice them well, as for banking exams basic concepts will come in handy rather than tricks. Also you must carefully choose the questions that you attempt. With good accuracy you’ll surely get through this section with a decent score. Try not to get struck on a particular question or topic for too long.
Reasoning is a tricky section, but it is very important to solve questions of this section in limited and stipulated time. We've seen in recent SBI Exams that this section can be quite challenging for students as well as surprising. For scoring well in reasoning practicing what is really important and it can be your game changer.
For scoring well in any language, the most important thing is to know its grammar rules. You must learn and understand basic rules of grammar of English language and also increasing you reading habit will help you in making a command over this language sooner.

So to crack this pattern, we are providing you the "56 DAY ACTION PLAN" for the preparation of IBPS PO exam.
You all have to clear the PRELIMINARY exam to make yourself qualify for the MAINS, therefore our 56 Day Action Plan will mainly focus on:
Quantitative Aptitude
The time for Prelims exam is: 1 hour
Note: Students if you are very well focused to crack IBPS PO and finally become Probationary Officer you must not only focus on Prelims as going through Prelims exam is just a milestone, you have to be prepared for MAINS Examination as well. Do not wait for Prelims to be over to start your preparation for Mains. For the first 41 days you should be focused on preparing for Prelims and for next 15 days you should also prepare for Mains Exam. For IBPS PO Mains Exam you need study General Awareness and Computer Awareness. For General Awareness you can read newspaper and follow Bankersadda. You can get all the latest news on
Detailed Study Plan for Non - Working Aspirants
Devotion of Time for Subjects in Total - 12 hours/ day
Quantitative Aptitude- 5 hours
Reasoning- 4 hours
English- 3 hours
The time is devoted for both studying the topics and practice.
Detailed Study Plan:
672 hours of dedication and hard work……..
Aur aap apne aapko Nationalized Bank ki branch mein as a PO dekh sakte hai.
First of all, we have divided 56 Days in 2 Slots to Help You Study Better.
1st 34 Days: Do & Revise all the topics of each and every subject. Make your weak subjects strong in these 30 days.
Last 22 Days: PRACTICE THE ONE HOUR MOCK in these days, as to crack the prelims SPEED & ACCURACY are need which can be only achieved through practice. This practice will help you all to be SMART HARD WORKERS.
The chapter wise planning of all the subjects we have given in the table below:

Basic Grammar such as sentence, subject and predicate, phase, clauses and Nouns.
Quick Calculation Techniques
Adjective, types of adjective and using suitable forms of adjectives.
Simplification/ Approximation
Blood Relation
Blood Relation
Alpha-Numeric-Symbol series
Phrase Replacement
Ratio and Proportion
Alpha-Numeric-Symbol series
Profit and Loss
Time and Work, Work and Wages
Auxiliary and Modals Verbs
Pipes and Cisterns
Adverbs and its types and usage
Time and Distance
Ranking and Directions
Prepositions, Conjunctions and Interjection
Boat and Streams
Ranking and Directions
RC (Story Based)
Allegation or Mixtures
RC (Banking Based)
Problems on Ages
RC (Economy Based)
Simple Interest
RC (Social Based)
Compound Interest
Data Sufficiency
RC (Topic Based)
Number Series
Data Sufficiency
Error Detection
Number Series
Data Sufficiency
Error Detection
Permutation and Combinations
Seating Arrangement
Error Detection
Quadratic Equations/Inequality
Seating Arrangement
Quadratic Equations/Inequality
Seating Arrangement
Seating Arrangement
Sentence Improvements

Mensuration I:Area and Perimeter
Seating Arrangement
Sentence Improvements

Mensuration II:Volume
Mensuration III:Surface Area
Data Sufficiency
Double/Single Fillers
DI (Table Graph)
Double/Single Fillers
DI (Line Graph)
Machine Input-Output
DI (Bar Graph)
Machine Input-Output
DI (Cumulative Bar Graph)
Machine Input-Output
Jumbled paragraph with odd -one out sentence.
DI (Pie Charts)
Logical Reasoning
Jumbled paragraph with odd -one out sentence.
DI (Radar Graph)
Logical Reasoning
Paragraph Completion
DI (Missing)
Mathematical Symbol
Paragraph Completion
DI (Case let)
Mathematical Symbol
Combining sentences using participial phrases/connecting words. (Compound Sentences)
Practice of First three chapters (1-3)
Practice of First three chapters (1-3)
Practice of First three chapters (1-3)
Practice of next three chapters (4-6)
Practice of next three chapters (4-6)
Practice of next three chapters (4-6)
Practice of next three chapters (7-9)
Practice of next three chapters (7-9)
Practice of next three chapters (7-9)
Practice of next three chapters (10-12)
Practice of next three chapters (10-12)
Practice of next three chapters (10-12)
Practice of next three chapters (13-15)
Practice of next three chapters (13-15)
Practice of next three chapters (13-15)
Practice of next three chapters (16-18)
Practice of next three chapters (16-18)
Practice of next three chapters (16-18)
Practice of next three chapters (19-21)
Practice of next three chapters (19-21)
Practice of next three chapters (19-21)
Practice of next three chapters (22-24)
Practice of next three chapters (22-24)
Practice of next three chapters (22-24)
Practice of next three chapters (25-27)
Practice of next three chapters (25-27)
Practice of next three chapters (25-27)
Practice of next three chapters (28-30)
Practice of next three chapters (28-30)
Practice of next three chapters (28-30)
Practice of next three chapters (31-33)
Practice of next three chapters (31-33)
Practice of next three chapters (31-33)
Practice of last chapter (34)
Practice of last chapter (34)
Practice of last chapters (34)
Practice Mock-1 and Analysis
Practice Mock-1 and Analysis
Practice Mock-1 and Analysis
Practice Mock-2 and Analysis
Practice Mock-2 and Analysis
Practice Mock-2 and Analysis
Practice Mock-3 and Analysis
Practice Mock-3 and Analysis
Practice Mock-3 and Analysis
Practice Mock-4 and Analysis
Practice Mock-4 and Analysis
Practice Mock-4 and Analysis
Practice Mock-5 and Analysis
Practice Mock-5 and Analysis
Practice Mock-5 and Analysis
Practice Mock-6 and Analysis
Practice Mock-6 and Analysis
Practice Mock-6 and Analysis
Practice Mock-7 and Analysis
Practice Mock-7 and Analysis
Practice Mock-7 and Analysis
Practice Mock-8 and Analysis
Practice Mock-8 and Analysis
Practice Mock-8 and Analysis
Practice Mock-9 and Analysis
Practice Mock-9 and Analysis
Practice Mock-9 and Analysis
Practice Mock-10 and Analysis
Practice Mock-10 and Analysis
Practice Mock-10 and Analysis

All the very best BA'ins for IBPS PO Prelims

26 July, 2016

How to fill preferences in IBPS PO – 6?

As many of the students are constantly bombarding the queries related to bank preference for IBPS PO 2016. So, we are providing here the Preference List of the banks based on various criterion which you can use for reference while filling the application form . These data are based on various market research and the choice of the students aspiring for a job in the banking sector.

At first let us provide you the list of participating organisations i.e. those organisations which will be recruiting employees through the IBPS PO 6 Examination.

The table clearly states that 20 banks participating but only 14 out of them have provided the number of vacancies in their banks for PO through IBPS PO 2016 examination, and 6 have not provided any vacancy. But please note that at any stage of the recruitment process, any of those 6 banks can disclose their vacancies.

Now, lets see that what can be the possible criterion for a aspirant to prefer a bank? 

(I) Based on Headquarters of the banks

The headquarters can be one of the criteria for choosing a bank. This is because whatever bank you chose, you will find more number of branches in the state where the headquarter is located. Now if we take the example of Bank of Baroda, it has more number of branches in Gujrat and the probability of getting the posting in Gujrat increases. So you can chose accordingly.

So, we are providing here a list of banks and their headquarters. You can take it as a regional preference that can be near your place. As an example, suppose you reside in UP and you get the posting in Gujrat, then its okay and if you by mistake chose a bank that has a reach in Southern India, then it can be harder for you to accommodate and same is the case for vice-versa. So it's better to review once what you have in mind.

(II) Based on the area of your choice

This choice was available last year, but, this year no such bank having offices only in metro cities is participating in the recruitment process.

(III) Best Choices for North India ‐

States: Delhi, Punjab, UP, UK, J&K, HP, Haryana

1. Bank of baroda
2. Punjab National Bank
3. Oriental Bank of Commerce
4. Allahabad Bank
5. IDBI Bank
6. Punjab & Sind Bank
7. Canara Bank
8. Central Bank of India

(IV) Best choice for East & North East India

States: Odisha, West Bengal, Bihar, Jharkhand

1. Allahabad Bank
2. Bank of India
3. Bank of Baroda
4. UCO Bank
5. United Bank of India
6. Canara Bank

(V) Best Choice for West & Central India

States: Rajasthan, Maharashtra, Gujarat, MP, Chhattisgarh, Goa

1. Bank of Baroda
2. IDBI Bank
3. Dena Bank
4. Bank of Maharashtra
5. Canara Bank
6. Indian Overseas Bank
7. Corporation Bank
8. Central Bank of India

(VI) Best Choice for South India

States: Andhra Pradesh, Telangana, Karnataka, Tamil Nadu, Kerala

1. Andhra Bank
2. Indian Bank
3. Vijaya Bank
4. Indian Overseas Bank
5. Canara Bank
6. Corporation Bank
7. Syndicate Bank

(VII) On the Basis of Banking Mergers and Central Government/PSU's

And now based on the location of Headquarters, number of branches and number of vacancies we are providing here a preference list of banks which can be used by the candidates while filling their form:

Bank of BarodaPunjab National BankCorporation BankBank of IndiaDena BankBank of MaharashtraAllahabad BankCanara BankCentral Bank of IndiaIDBIOriental Bank of CommercePunjab and Sind BankUCOUnion Bank of IndiaUnited Bank of IndiaVijaya BankAndhra BankIndian BankIndian Overseas BankSyndicate Bank

(VIII) In the end, the choice is yours:

After all of this, it is you who has to take the ultimate decision. So do review everything and analyse your choices before filling the form.

Disclaimer: All information given above are based on independent analysis and evaluation made by Bankers Adda. We do not take responsibility for any decision that might be taken, based on this information.

All The Best !

27 June, 2016

How to reach ION DIGITAL ZONE IDZ1 & IDZ2, Mathura road, Near Sarita Vihar

Hello Friends,

Today I will tell you about the path of exam centre - " ION DIGITAL ZONE IDZ 2 MATHURA ROAD A 27 MOHAN CO­OP INDU. ESTATE NEAR SARITA VIHAR, DELHI 110044".

First of all it is easy to reach there as metro station is near the exam centre. Nearest metro station to exam centre is Mohan Estate. The common path is from Mandi House to Mohan Estate. It will take around 36 minutes to reach there from Mandi House.

After reaching Mohan Estate , move to your left hand side and take a walking distance of around 5-7 minutes. Just follow the path till pillar numbers 294, 293, 292. Both exam centres IDZ2 and IDZ1 come along the way with 2 consecutive cuts (IDZ2 at first cut and IDZ1 at second cut) on the left hand side.

I hope it will help you


I hope you like this, so kindly comment below the post and do share your response. Thanks for reading :)

03 June, 2016

List of Important days in Indian history for banking exams:

January,5th-Louis Braille Day
January,10th- World Laughers Day
January,12th National- Youth Day
January,15th- Army Day
January,24th-National Girl Child Day (Indira Gandhi Birthday)
January,25th-National Voters Day
January,26th- Republic Day
January,30th- Martyr’s Day
February,4th-World Cancer Day
February,21st-World Mother Tongue Day
February,28th- National Science Day
March,4th-National Security day
March,8th- International Women’s Day
March,15th-World Consumers Right Day
March,21st- World Forestry Day
March,22nd-World Water Day
March,24th- World TB Day
April, 5th-National Maritime Day
April, 7th-World Health Day
April, 18th-World Heritage Day
April, 21st-Civil Service Day
April, 22nd-World Earth Day
April, 25th- World Malaria Day
May,1st- May Day (Workers Day)
May,3rd-World Press Freedom Day
May,7th-World Asthma Day
May,8th-World Red Cross Day
May,11th-National Technology Day
May Second Sunday
World Mother’s Day
May,15th-World Family Day
May,17th-World Telecommunication Day
Anti-Terrorism Day
May,24th-Common Wealth Day
May,31st-No Tobacco Day
June,5th-World Pollution Day
June,12th-World Day Against Child Labour
June,14th-World Blood Donation Day
June,20th-World Refugee Day
June,21st-World Music Day
June,27th-World Diabetes Day
June,29th-National Statistics Day
July,1st-World Doctors Day
July,11th-World Population Day
July,18th-Nelson Mandela Day
July,28th-World Nature Conservation Day
August,6th-Hiroshima Day
August,9th-Nagasaki Day & Quit India Day
August,12th- International Youth Day
August,19th-World Photography Day
August,29th-National Sports Day
September,5th- National Teachers Day
September,8th- International Literacy Day
September,15th- National Engineers Day
September,21st-World Peace Day
September,26th-World Heart Day
September,28th-World Rabies Day
October,1st- International Day of Elderly
October,8th- Indian Air Force Day
October,9th-World Postal Day
October,16th-World Food Day
November,9th-World Freedom day
November,11th- National Educational Day
November,14th- Children’s Day
November,19th- International Men’s Day
November,20th- Universal Children’s Day
November,21st-World TV Day
November,29th- National Law Day
December,1st-AIDS Day
December,3rd-World Disable Day, World Conservation Day
December,4th-Navy Day
December,10th- Human Rights Day
December,14th- National Energy Conservation day
December,23rd- Farmers Day.

24 February, 2016

परीक्षा में पूछे गए दिवस

विश्व पर्यावरण दिवस कब मनाया जाता है - 5 जून
•अंतर्राष्ट्रीययोग दिवस कब मनाया जाता है -21 जून
•विश्व स्वास्थ्य दिवस कब मनाया जाता है - 7अप्रैल
•विश्व खाद्य दिवस कब मनाया जाता है - 16 अक्टूबर
•विश्व मानवाधिकार दिवस कब मनाया जाता है- 10 दिसम्बर
•विश्व एड्स दिवस कब मनाया जाता है - 1दिसम्बर
•विश्व कैंसर दिवस कब मनाया जाता है - 4 फरवरी
•विश्व रेडियो दिवस कब मनाया जाता है - 13फरवरी

26 January, 2016

Different Types Of ATM

► On site ATM -within the premises of bank
► Off site ATM - Outside the bank premises
► White Label ATM - Provided by NBFC
► Green Label ATM - Provided for Agricultural

05 November, 2015

रेलवे संबंधी कुछ जानकारियाँ

1. भारतीय रेलवे की स्थापना कब हुई – 16 अप्रैल 1853 की पहली रेल कब और कहाँ चली - 16 अप्रैल 1853 को मुंबई से ठाणे तक की पहली रेल ने मुंबई से ठाणे तक कितनी दूरी तय की थी– 34 कि.मी.ीय रेलवे का मुख्यालय कहाँ स्थित है – नई दिल्ली मेंीय रेलवे पर किसका एकाधिकार है – भारत सरकार काीय रेलवे को कितने जोन में बांटा गया है – 17 जोन
7.किस रेल का रूट सबसे लम्बा है – विवेक एक्सप्रेस
8.रेलवे स्टाफ कोलेज कहाँ पर स्थित है – वडौदरा में में सबसे पहले रेलवे टाईमटेबल किसने बनाया था – जार्ज ब्रैडशा ने का सबसे बडा रेलवे जंक्शन कहां पर स्थित है – मथुरा में

12 October, 2015


1. NABARD – National Bank for Agricultural & Rural Development

2. RTGS – Real Time Gross Settlement
3. NEFT – National Electronic Fund Transfer
4. NAV – Net Asset Value
5. NPA – Non Performing Asset
6. ASBA – Account Supported by Blocked Amount
7. BIFR – Board for Industrial and Financial Reconstruction
8. CAMELS – Capital Adequacy, Asset Quality, Management Earnings, Liquidity, Systems & Controls
9. BCSBI – Banking Codes & Standard Board of India
10. BIS – Bank for International Settlement
11. BCBS – Basel Committee on Banking Supervision
12. BOP – Balance of Payment
13. BOT – Balance of Trade
14. BPLR – Benchmark Prime Lending Rate