FULL FORM OF BANKING TERM

**********************
1. BSBDA - Basic Savings Bank Deposit Account
2. FCNR(B) - Foreign Currency Non-Resident Bank
3. TARC - Tax Administration Reform Commission
4. ITEs: Intra-Group Transactions and Exposures
5. LCR: Liquidity Coverage Ratio
6. NSFR: Net Stable Funding Ratio
7. LRMT: Liquidity risk monitoring tools
8. CBS: Core Banking Solution
9. DEAF: Depositor Education and Awareness Fund
10. CRAR: Capital to Risk-weighted Assets Ratio
11. External Commercial Borrowings (ECB)
12. SWIFT: Society for Worldwide Interbank Financial Telecommunication
13. FSLRC: Financial Sector Legislative Reforms Commission
14. MIBOR: Mumbai Inter-Bank Offer Rate
15. LIBOR: London Inter-Bank Offer Rate
16. LAF – Liquidity Adjustment Facility
17. GIRO - Government Internal Revenue Order
18. EEFC - Exchange Earner's Foreign Currency
19. FRBMA: Fiscal Responsibility and Budget Management Act
20. ALM- Asset Liability Management
21. AMFI- Association of Mutual Fund in India.
22. TIEA – Tax Information exchange Agreement
23. CAR – Cash Adequacy Ratio
24. CCEA – Cabinet Committee on Economic Affairs
25. CECA - Comprehensive Economic Cooperation Agreement
26. CEPA – Comprehensive Economic Partnership Agreement
27. DTAA – Double Taxation Avoidance Agreement
28. DTC – Direct Tax Code
29. ECBs - External Commercial Borrowings
30. EEFC - Exchange Earner's Foreign Currency
31. EFSF – European Financial Stability Facility
32. FEMA- Foreign Exchange Management Act
33. FII – Foreign Institutional Investor.
34. FINO- Financial Inclusion Network Operation
35. FIPB – Foreign Investment Promotion board
36. FSLRC – Financial Sector Legislative Reforms Commission
37. FTA- Free trade agreement
38. GAAR - General anti avoidance rule
39. GSLV - Geo-Synchronous Launch Vehicle
40. MSF-Marginal Standing Facility
41. NBFC-Non Banking Finance Companies
42. NCTC - National Counter-Terrorism Centre
43. NEFT - National Electronic Funds Transfer
44. NSG – Nuclear Suppliers Group
45. PPP – Public Private Partnership & Purchasing Power parity
46. PSLV – Polar Satellite Launch vehicle
47. RTGS - Real Time Gross Settlement
48. SLR-Statutory Liquidity Ratio
49. TAPI - Turkmenistan-Afghanistan-Pakistan-India.
50. QFI -Qualified Foreign Investors
CHAIRMAN AND MANAGING DIRECTORS (CMDS) OF NATIONALIZED BANKS
''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
State Bank of India - Arundhati Bhattacharya-
Allahabad Bank – S. A. Phanse
Bank of Baroda – S. S. Mundra
Bank of India – V. R. Iyer
Bank of Maharashtra – Vacant
Canara Bank – R. K. Dubey
Central Bank of India – Rajeev Rishi
Corporation Bank – Sadhuram Bansal
Dena Bank – Ashwini Kumar
Indian Bank – T. M. Bashin
Indian Overseas Bank – M. Narendra
Oriental Bank of Commerce – S. L. Bansal
Punjab and Sindh Bank – D. P. Singh
Punjab National Bank – K. R. Kamath
Syndicate Bank – Sudhir Kumar Jain
UCO Bank – Arun Kaul
Union Bank of India – D. Sarkar
United Bank of India – Smt. Archana Bhargava
Vijaya Bank – H.S. U. Kamath
Andhra Bank – C V R Rajendran
IDBI Bank – M. S. Raghavan
Bharatiya Mahila Bank - Usha Ananthasubramanian.

BOOKS AUTHORED BY RBI GOVERNOR RAGHURAM RAJAN <<

1. Aid and Growth
2. Fault Lines
3. India's Pattern of Development
4. The Real Effect of Banking Crises
5. Controlled Capital Account Liberalization
6. Saving Capitalism from the Capitalists

****IMPORTANT GENERAL KNOWLEDGE QUESTIONS ABOUT BANKS****

1. Which is the First Bank in India? Answer: Bank of Hindustan
2. Which is the first Bank managed by Indians? Answer: Oudh Commercial Bank
3. Which is the first bank started with Indian capital (Indian owned bank)? Answer: Punjab National
Bank
4. Which is the first foreign Bank in India? Answer: Chartered Bank
5. Which is the first bank to get ISO certificate? Answer: Canara Bank
6. Which is the first bank in India to start its branches outside India? Answer: Bank of India
7. Which is the first bank in India to introduce ATM? Answer: H.S.B.C bank
8. Which is the oldest public bank in India? Answer: Allahabad Bank
9. Which is the paper used for making Indian currency? Answer: Rag
10. The currency of IMF is known as? Answer: SDR (Special Drawing Rights)
11. Which is known as artificial currency or Paper Gold? Answer: SDR
BANK FOR INTERNATIONAL SETTLEMENTS (BIS) –
Important points to remember
o Bank for International Settlements is an International organization.
o BIS was established by the Hague agreements.
o BIS was established in 1930.
o First General Manager of BIS was Pierre Quesnay of France.
o The purpose of is to increase the cooperation between the Central banks.
o Number of member – 58 central banks
o Location of Bank for International Settlements (BIS) – Basel, Switzerland
o The present General manager of – Jaime Caruana of Spain.
o Bank for International Settlements (BIS) also provides banking services, but only to central banks,
or to international organizations like itself.
o BIS has representative offices in Hong Kong and Mexico City.
o In 2004 Bank for International Settlements (BIS) has published its accounts in terms of Special
Drawing Rights, or SDRs, replacing the Gold Franc as the bank’s unit of account.
EXPORT-IMPORT BANK OF INDIA (EXIM BANK) –IMPORTANT POINTS
Export-Import Bank of India or EXIM Bank of India is the premier export finance institution of
India. EXIM Bank was set up in 1982 under the Export-Import Bank of India Act 1981. The main
objective behind the formation of EXIM bank is to enhance countries exports from India and to
integrate the country’s foreign trade and investment with the overall economic growth.
Important Points about EXIM Bank:
· Export-Import Bank of India was established on 1982.
· Export-Import Bank of India was set up under the Export-Import Bank of India Act 1981.
· Headquarters of EXIM Bank is at Mumbai, India
· Chairman and Managing Director (CMD) of EXIM bank is T.C.A Ranganathan

NATIONAL HOUSING BANK – IMPORTANT POINTS TO REMEMBER

· The National Housing Bank (NHB) is a state owned bank.
· National Housing Bank is a regulation authority in India.
· National Housing Bank was established on July 8, 1988.
· National Housing Bank was established under section 6 of the National Housing Bank Act (1987).
· The headquarters of National Housing Bank (NHB) is in New Delhi.
· The National Housing Bank (NHB) owned by the Reserve Bank of India.
· The National Housing Bank (NHB) was established to promote private real estate acquisition in India
· The The National Housing Bank (NHB) is regulating and re-financing social housing programs and
other activities.

INDUSTRIAL FINANCE CORPORATION OF INDIA(IFCI) – IMPORTANT POINTS

In 1947, at the of Independence, there was a significant demand for new capital but the Indian
Capital Market was relatively under-developed. Merchant bankers and underwriting firms were
almost non existence and commercial banks were not quipped to provide long term industrial
finance in any significant manner.
· The Industrial Finance Corporation of India (IFCI) was established on July 1, 1948.
· IFCI was the first Development Financial Institution (DFI) in India.
· IFCI was established to cater to the long-term finance needs of the industrial sector.
· Until the establishment of ICICI and IDBI, The IFCI remained solely responsible for
implementation of the government’s industrial policy.
· Some of the sector that benefited from IFCI include – Textiles, paper, sugar, hotels, hospitals,
iron and steel, fertilizers, basic chemicals, cement, power generation etc.

ICRA LIMITED – IMPORTANT POINTS

· ICRA Limited (ICRA) is one of India’s premier financial information services company.
· ICRA Limited is one of the Credit Rating Agency in India.
· ICRA also provide professional financial services in the Asia-Pacific region through its
subsidiaries.
· ICRA Limited, was established in 1991, and was originally named Investment Information and
Credit Rating Agency of India Limited (IICRA India).
· Headquarters of ICRA is at New Delhi, India.
· IICRA India changed its name to ICRA Limited, and went public on 13 April 1997.
· ICRA Limited listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange
(NSE).
· ICRA Limited is a Public Company.
· ICRA offers Industry Financial services and Credit ratings services.
IDBI – INDUSTRIAL DEVELOPMENT BANK OF INDIA
· The Industrial Development Bank of India (IDBI) was established on 1 July 1964 under an Act of
Parliament as a wholly owned subsidiary of the Reserve Bank of India.
· In 16 February 1976, the ownership of IDBI was transferred to the Government of India.
· IDBI was made the principal financial institution for coordinating the activities of institutions
engaged in financing, promoting and developing industry in the country.
· Headquarters of IDBI is at Mumbai, India.
· Chairman and Managing director of IDBI is Shri neelabh krishna.
· IDBI is the 4th largest Bank in India in overall rating.
· Currently 10th largest development bank in the world.
· RBI categorised IDBI as an “other public sector bank”.
·
· Finance and insurance are the product of IDBI.
· Industrial Development Bank of India (IDBI) has now a network of 909 branches, 621 centres and
1512 ATMs.
· In March 2008, IDBI Bank entered into a joint venture with Federal Bank and Fortis Insurance
International to form IDBI Fortis Life Insurance.
· IDBI Fortis Life Insurance is renamed to IDBI Federal Life Insurance Co Ltd.
· IDBI recently inaugurated its 909th Branch at Ranikhet, Uttrakhand on October 13, 2011.
· IDBI was the winner in two categories in Dun & Bradstreet’s Polaris Software Banking Awards
2011
· RBI appointed S.H.Khan committee which recommended its transformation into a universal bank.
· In 2006 IDBI Bank acquired United Western Bank in a rescue.
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (SIDBI) – IMPORTANT POINTS
· Small Industries Development Bank of India (SIDBI) was established on April 2, 1990.
· The Small Industries Development Bank of India Act passed in 1989.
· SIDBI was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of
India.
· Now SIDBI is owned by several state-owned banks, insurance companies and financial
institutions.
· SIDBI is an independent financial institution aimed to aid the growth and development of micro,
small and medium-scale enterprises in India.
· It is an apex body and nodal agency for formulating, coordination and monitoring the policies
and programme for promotion and development of small scale industries.
· SIDBI is in the list of top 30 Development Banks of the World in the latest ranking of The Banker,

SEBI- SECURITIES AND EXCHANGE BOARD OF INDIA

Securities and Exchange Board of India (SEBI) was established by Government of India through
an executive resolution in the year 1988. SEBI was subsequently upgraded as a fully autonomous
body in 1992 with the passing of the Securities and Exchange Board of India Act (SEBI Act) on
30th January 1992. In the year 1995, the SEBI was given additional statutory power by the
Government of India through an amendment to the securities and Exchange Board of India Act

STOCK MARKET INDIA – IMPORTANT POINTS

Stock Market refers to a market place where investors cab buy and sell stocks. The price at
which each buying and selling transaction takes i determined by the market forces. Here market
forces are demand and supply for a particular stock.
In earlier times, stock brokers assembles at a stock exchange to purchase and sale stock or in one
word to make transactions. But now stock market became paperless. Almost all transaction are
done electronically.
Presently there are total 23 stock exchange in India.
1. Bombay Stock Exchange (BSE)
2. National Stock Exchange (NSE)
3. Ahmedabad Stock Exchange
4. Bangalore Stock Exchange
5. Bhubaneshwar Stock Exchange
6. Calcutta Stock Exchange
7. Cochin Stock Exchange
8. Coimbatore Stock Exchange
9. Delhi Stock Exchange
10. Guwahati Stock Exchange
11. Hyderabad Stock Exchange
12. Jaipur Stock Exchange
13. Ludhiana Stock Exchange
14. Madhyapradesh Stock Exchange
15. Madras Stock Exchange
16. Magadh Stock Exchange
17. Mangalore Stock Exchange
18. Meerut Stock Exchange
19. OTC Exchange of India
20. Pune Stock Exchange
21. Saurashtra Stock Exchange
22. Uttar Pradesh Stock Exchange
23. Vadodara Stock Exchange

Important Points
· Oldest Stock Exchange in India – Bombay Stock Exchange
· Largest Stock Exchange in India – National Stock Exchange
· Regulatory Authority of Stock Market – SEBI
· Youngest stock exchange in India – Coimbatore Stock Exchange. the headquarter of SEBI is
located in the business district of Bandra-Kurla complex in Mumbai.
· The Chairman of SEBI – Upendra Kumar Sinha (UK Sinha)
· The Whole Time Member of SEBI- Prashant Saran
· The first chairman of SEBI was – Dr. S. A. Dave
· SEBI deals with – the issuers of securities,the investors and the market intermediaries.
· Basic Objective of SEBI -
1. To Promote the interests of investors in securities
2. To promote the development of Securities Market
3. To regulate the securities market
1.4. For matters connected therewith or incidental thereto.

Bombay Stock Exchange (BSE):-

Bombay Stock Exchange (BSE) is a stock exchange located on Dalal Street, Mumbai. Bombay Stock
Exchange is the oldest Stock Exchange in Asia. This stock exchange was initially started by five
stock broker
outside Mumbai Town hall Under a banyan tree in 1850. In 1875 it become an official organization
known as ‘The Native Share & Stock Brokers Association’. After Independence, In 1956 Bombay
Stock Exchange became the first stock exchange to be recognized by the Indian Government under
the Securities Contracts Regulation Act.
· BSE Founded in 1875
· CEO and MD of BSE – Madhu Kannan
· No. of Company listed – 5,085
· BSE Indexes- BSE SENSEX,BSE Small Cap,BSE Mid-Cap,BSE 500
· Oldest Stock Exchange in Asia

National Stock Exchange of India (NSE) – In order to lift the Indian stock market trading system on
par with the International standards and on the basis of the recommendations of high powered
Pherwani Committee, the National Stock Exchange was incorporated in 1992 by Industrial
Development Bank of India, Industrial Credit and Investment Corporation of India, Industrial
Finance Corporation of India, All Insurance Corporations, Selected commercial banks and other.
The National Stock Exchange (NSE) is the 9th largest stock exchange in the world by market
Capitalization and largest in India by daily turnover and number of trades, for both equities and
derivative trading. NSE is located in Mumbai, Maharastra.
· In November,1992 SEBI was incorporated as a tax-paying company.
· In April 1993, it was recognized as a stock exchange under the Securities Contracts (Regulation)
Act, 1956.
· NSE Incorporated on the recommendation of Pherwani Committee.
· NSE commenced operations in the Wholesale Debt Market (WDM) segment in June 1994
· The Capital market (Equities) segment of the NSE commenced operations in November 1994
· In October 1995 NSE Became largest stock exchange in the country
· Derivatives segment commenced in June 2000.
· Managing Director of NSE- Ravi Narain
· No. of listings- 1,552
· NSE Indexes – S&P CNX Nifty,CNX Nifty Junior,S&P CNX 500
IMPORTANT POINTS ABOUT RATING AGENCIES CRISIL :
credit rating information Services of India LTD. Is a global analytical company which provides
services like ratings, research etc.
• CRISIL is the largest credit rating agency in India.
• It was established on 1987.
ICRA: It is also a credit rating agency of India • It was established in 1991.
• It is second largest credit rating agency in term
of customer base.
CARE: Credit Analysis and Research Limited
(CARE) is a credit rating, research Agency .
• It was established in 1993.

CURRENCY
******
1. Rupee : India, Nepal, Srilanka, Pakistan

2. Dollar : u.s.a, canada, singapore, ecuador,

australia, honkong, taiwan, newzealand, t&t

3. Euro : france, germany, italy, austria, belgium,

cyprus, netherland, portugal, spain, vatican city

4. Pound : u.k, egypt, sudan

5. rial: iran, qutar, saudi arab, yemen, omen, combodia

6. Dinar : Algeria, iraq, kuwait, tunisia

7. Peso : Phillipines, argentina, chile, cuba, mexico,uruguay

8. Franc : cameroon, switzerland

9. Ruble : Russia, Belarus

TYPES OF CHEQUE
**********************
1. Order Cheque: A cheque which is payable to a particular person or his order is called an order
cheque.

2. Bearer Cheque: A cheque which is payable to a person whosoever bears, is called bearer cheque.

3. Blank Cheque: A cheque on which the drawer puts his signature and leaves all other columns
blank is called a blank cheque.

4. Stale Cheque: The cheque which is more than six months old is a stale cheque.

5. Multilated Cheque: If a cheque is torn into two or more pieces, it is termed as mutilated cheque.

6. Post Dated Cheque: If a cheque bears a date later than the date of issue, it is termed as post dated
cheque.

7. Open Cheque: A cheque which has not been crossed is called an open cheque. Even if a cheque is
crossed and subsequently the drawer has cancelled the crossing at the request of the payee and affixes
his full signature with the words “crossing cancelled pay cash”, it becomes an open cheque.

8. Crossed Cheque: A cheque which carries too parallel transverse lines across the face of the cheque
with or without the words “I and co”, is said to be crossed.

9. Gift Cheques: Gift cheques are used for offering presentations on occasions like birthday,
weddings and such other situations. It is available in various denominations.

10. Traveller’s Cheques: It is an instrument issued by a bank for remittance of money from one place
to another.
RESERVE BANK OF INDIA— GOVERNOR & DEPUTY GOVERNORS

GOVERNOR — Dr. Raghuram G. Rajan

DEPUTY GOVERNOR— Dr. K. C. CHAKRABARTY
DEPUTY GOVERNOR— SHRI ANAND SINHA
DEPUTY GOVERNOR— SHRI H.R. KHAN
DEPUTY GOVERNOR— Dr. Urjit R. Patel
RESERVE BANK OF INDIA (RBI) – IMPORTANT POINTS
.......................................................
Name of Central Bank of India: Reserve Bank of India (RBI)
No of Central Bank in India: One (1)
Reserve Bank of India Act passed in 1934.
Reserve Bank of India (RBI) established on 1 April 1935.
Reserve Bank of India (RBI) established on the recommendation of Hilton-Young Commission.
Hilton-Young Commission submitted its report in the year 1926.
Initially RBI was constructed as a Private Share holders’ bank with fully paid-up capital of Rs 5
Crores.
RBI was nationalize in the year of 1st January,1949.
RBI is a statutory body.
RBI is the sole authority in India to issue Bank notes in India.
RBI can issue currency notes as much as the country requires, provided it has to make a security
deposit of Rs. 200 crores, out of which Rs. 115 crores must be in gold and Rs. 85 crores must be
FOREX Reserves.
Emblem of RBI: Panther and Palm Tree.
Initially the headquarter of RBI was in Calcutta (Now Kolkata) but in 1937 it was permanently
moved to Mumbai, Maharastra.
The Reserve Bank of India has 19 regional offices, most of them in state capitals and 9 Sub-offices
The Executive head of RBI is known as Governor.
The governor is associated by Four Deputy Governors.
The bank has also two training colleges for its officers, viz. Reserve Bank Staff College at Chennai
and College of Agricultural Banking at Pune.
RBI is a member bank of the Asian Clearing Union.
Chintaman Dwarkanath Deshmukh (C D Deshmukh) was the governor of RBI at the Time of
nationalization of RBI in 1949.
C D Deshmukh, then Governor of RBI, represented India at the Bretton Woods negotiations in 1944.
1st women Deputy Governor of RBI -K.J.Udeshi.
RBI is not a Commercial Bank.
RBI prints currency in 15 Languages.
RBI is a member of IMF (International Monetary Fund)
BANKING NOTES:-
Independence Banking History in india
Banking history of India is divided into Two major categories -
· Pre-Independence Banking History
· Post-Independence Banking History
Pre-Independence Banking:-
· The origin of modern Banking in India dates back to the 18th century.
· Bank of Hindusthan was established in 1770 and it was the first bank at Calcutta under European
management.
· Banking Concept in India was brought by Europeans.
· In 1786 General Bank of India was set up.
· On June 2, 1806 the Bank of Calcutta established in Calcutta. It was the first Presidency Bank
during the British Raj.
· Bank of Calcutta was established mainly to fund General Wellesley’s wars against Tipu Sultan and
the Marathas.
· On January 2, 1809 the Bank of Calcutta renamed as the Bank of Bengal.
· In 1839, there was a fruitless effort by Indian merchants to establish a Bank called Union Bank but
it failed within a decade.
· On 15th April, 1840 the second presidency Bank was established in Bombay – Bank of Bombay.
· On 1 July 1843 the Bank of Madras was established in Madras, now Chennai. It was the third
Presidency Bank during the British Raj.
· Allahabad Bank which was established in 1865 and working even today.
· The oldest Public Sector Bank in India having branches all over India and serving the customers for
the last 145 years is Allahabad Bank.
Allahabad bank is also known as one of India’s Oldest Joint Stock Bank.
· These Presidency banks worked as quasi central banks in India for many years under British Rule.
· The Comptoire d’Escompte de Paris opened a branch in Calcutta in 1860.
· HSBC established itself in Bengal in 1869
· Calcutta was the most active trading port in India, mainly due to the trade of the British Empire,
and so became a banking center.
· The Oldest Joint Stock bank of India was Bank of Upper India established in 1863 but this bank
was become defunct in 1913.
· In 1881, Oudh Commercial Bank was established at Faizabad it was the first Bank of India with
Limited Liability to be managed by Indian Board. After Independence, In 1958 this bank failed.
· In 1895 Punjab National Bank was established in Lahore in Punjab province of Undivided India. It
was the first bank purely managed by Indian. PNB has not only survive but also become the second
largest
public sector bank in India.
· The first Indian commercial bank which was wholly owned and managed by Indians was Central
Bank of India which was established in 1911.
· Central bank of India was also called India’s First Truly Swadeshi bank.
· The Swadeshi movement inspired local businessmen and political figures to found banks of and for
the Indian community. The period between 1906 and 1911 thousands of Banks were established in
India. Many of
those banks established then have survived to the present such as Bank of India, Corporation Bank,
Indian Bank, Bank of Baroda, Canara Bank and Central Bank of India.
· At least 94 banks in India failed between 1913 and 1918 due to economic crisis during World War
I.
· In 27th January, 1921 Bank of Calcutta, Bank of Madras and Bank of Bombay were amalgamated
to form Imperial Bank of India.
· In 1926 Hilton-Young Commission submitted it’s report.
· In 1934 Reserve Bank of India act was passed.
· On the recommendation of Hilton-Young Commission, On 1st April 1935 Reserve Bank of India
was established
Reserve Bank of India (RBI) – Important Point
· Name of Central Bank of India: Reserve Bank of India (RBI)
· No of Central Bank in India: One (1)
· Reserve Bank of India Act passed in 1934.
· Reserve Bank of India (RBI) established on 1 April 1935.
· Reserve Bank of India (RBI) established on the recommendation of Hilton-Young Commission.
· Hilton-Young Commission submitted its report in the year 1926.
· Initially RBI was constructed as a Private Share holders’ bank with fully paid-up capital of Rs 5
Crores.
· RBI was nationalize in the year of 1st January,1949.
· RBI is a statutory body.
· RBI is the sole authority in India to issue Bank notes in India.
· RBI can issue currency notes as much as the country requires, provided it has to make a security
deposit of Rs. 200 crores, out of which Rs. 115 crores must be in gold and Rs. 85 crores must be
FOREX Reserves.
· Emblem of RBI: Panther and Palm Tree.
· Initially the headquarter of RBI was in Calcutta (Now Kolkata) but in 1937 it was permanently
moved to Mumbai, Maharastra.
· The Reserve Bank of India has 19 regional offices, most of them in state capitals and 9 Sub-offices
· The Executive head of RBI is known as Governor.
· The governor is associated by Four Deputy Governors.
· The bank has also two training colleges for its officers, viz. Reserve Bank Staff College at Chennai
and College of Agricultural Banking at Pune.
· RBI is a member bank of the Asian Clearing Union.
· Chintaman Dwarkanath Deshmukh (C D Deshmukh) was the governor of RBI at the Time of
nationalization of RBI in 1949.
· C D Deshmukh, then Governor of RBI, represented India at the Bretton Woods negotiations in
1944.
· 1st women Deputy Governor of RBI -K.J.Udeshi.
· RBI is not a Commercial Bank.
· RBI prints currency in 15 Languages.
· RBI is a member of IMF (International Monetary Fund). Banking History in India – Post-
Independence Banking History Post-Independence Banking History: Immediately after the
Independence, the partition of India in 1947 adversely impacted the economies of Punjab and West
Bengal by paralyzing banking
activities for months.With end of British rule in India marked the end of a regime of the Laissez-faire
for the Indian banking sector. The Government of India initiated measures to play an active role in
theeconomic life of the nation, and the Industrial Policy Resolution adopted by thegovernment in
1948 envisaged a mixed economy. To streamline the functioningand activities of commercial banks,
the government of India has came up withthe Banking Companies act, 1949. The Reserve Bank of
India, India’s centralbanking authority, was nationalized on January 1, 1949 under the terms of the
Reserve Bank of India (Transfer to Public Ownership) Act, 1948. The Reserve Bank of India was
vested with major powers for the supervision of banking inn
India as he central banking authority. The Banking Regulation Act also provided that no new bank or
branch of an existing bank could be opened without a license from the RBI, and no two banks could
have common directors. During those days, the general public had lesser confidence in Banking. As
an aftermath, the deposit mobilization process was very slow. Moreover, the savings bank facility
provided by postal department was considered comparatively safer than banks, and funds were
largely given Nationalisation in india In India, the Banking Sector has been dominated by
Government or Public Sector Banks for last 64 years. In 1954 the All India Rural Credit Survey
Committee submitted its report recommending creation of a strong, integrated, state-sponsored, state-
partnered commercial banking institution with an effective machinery of branches spread all over the
country. The recommendation of this committee led to establishment of first Public Sector Bank in
the name of State bank of India on July 01, 1955 by acquiring the substantial part of share capital by
Reserve Bank of India, of then Imperial Bank of India. Similarly during 1956-59, as a result of
reorganization of princely states, the State Bank of India associate Bank came into fold of Public
sector banking. On July 19, 1969, the Govt. promulgated Banking Companies (Acquisition and
Transfer of Undertakings) ordinance 1969 to acquire 14 bigger commercial banks with with deposits
over 50 crores. The main objective behind this bank nationalisation was to spread banking
infrastructure in rural india and make
cheap finance available to Indian farmers. The second phase of bank nationalisation took place in
1980 during the prime ministerial tenure of Indira Gandhi, in which 7 more banks were nationalised
with deposits over 200 crores.
List of Nationalised Banks in India:
1. Allahabad Bank
2. Andhra Bank
3. Bank of Baroda
4. Bank of India
5. Bank of Maharashtra
6. Canara Bank
7. Central Bank of India
8. Corporation Bank
9. Dena Bank
10. Indian Bank
11. Indian Overseas Bank
12. Oriental Bank of Commerce
13. Punjab and Sind Bank
14. Punjab National Bank
15. Syndicate Bank
16. UCO Bank
17. Union Bank of India
18. United Bank of India
Bank Liberalisation in India – Liberalisation in Bank
Liberalisation in banking sector in India noticed in early 1990s’ when India adopted a new economic
policy for the development of the nation. Narasimha Rao government embarked on a policy of
liberalization, licensing a small number of private banks.For the first time in India new private banks
got license for providing banking service. These banks came to be known as the New Generation
tech-savvy banks. The first bank in India set up after the adaptation of new liberalization policy in
banking sector was Global Trust Bank. It was later amalgamated with Oriental Bank of Commerce.
The list of banks set up after new liberalization policy
includes Global Trust Bank, UTI Bank (Now known as Axis Bank), ICICI Bank and HDFC Bank.
This move towards the Liberalisation along with the rapid economic growth in India, re-energize the
banking sector in India. Indian banking sector has noticed rapid growth with strong contribution from
all sector of banks – government banks, private banks and foreign banks. The next stage for the
Indian banking sector has been set up with the proposed relaxation in the norms for Foreign Direct
Investment (FDI). All Foreign
Investors in banks can holds up to 74% with some restrictions of the company.

Central Board of Reserve Bank of India

The Reserve Bank’s affairs are governed by a Central Board of Directors. The
board is appointed by the Government of India in keeping with the Reserve
Bank of India (RBI) Act, 1934.
Structure of Central Board of Directors:
· Appointed/nominated for a period of FOUR years
· Constitution:
o Official Directors Full-time : One Governor and not more than four DeputyGovernors.
o Non-Official Directors Nominated by Government: Ten Directors from various fields and one
government official (Generally from Ministry of Finance)
Others: Four Directors - one each from four local boards. One each for the four regions of the
country in Mumbai, Calcutta, Chennai and New Delhi.
The Function of Central Board of RBI:
The main function of Central Board of RBI is General superintendence and direction of the Bank’s
affairs. The local boards advises the Central Board on local matters and to represent territorial and
economic interests of local cooperative and indigenous banks; to perform such other functions as
delegated by Central Board from time to time
Female Deputy Governors of Reserve Bank of India – a Complete List Female Deputy Governors of
the Reserve Bank of India (RBI). First Female/ Woman/ Lady Deputy Governors of the RBI. List of
Female Deputy Governors of the Reserve Bank of India (RBI). K J Udeshi becomes the first woman
RBI deputy governor. K J Udeshi has been appointed the deputy governor of the Reserve Bank of
India (RBI). She is the first woman deputy governor of the RBI. The appointment is till 12 October
2005 when she completes 62 years of age.
Shyamala Gopinath: (21.09.2004 to 08.09.2009, 09.09.2009 to 20
Shyamala Gopinath is the former deputy governor of the Reserve Bank of India
(RBI). Gopinath served as deputy governor of Reserve Bank of India from
September 21, 2004 to June 20, 2011. She was the second lady deputy governor of RBI.
Smt Usha Thorat: (10.11.2005 to 09.11.2010)
Usha Thorat served as Deputy Governor of the Reserve Bank of India (RBI) from November 10,
2005 to November 8, 2010. Prior to this she was the executive Director of the RBI Monetary
Policy,RBI Functions and RBI Rates RBI is the central banking institution of India. RBI control the
monetary policy Rupee as a sole controller. RBI also controls the liquidity (flow of money) in Indian
Market by Changing its Policy rates and Reserve ratios.
RBI have three rates: Bank Rate, CRR,SLR.

Different RBI Rates:

· Bank Rate (10.25%)
· Cash Reserve Ratio
· Statutory Liquidity Ratio
· Base Rate
What are Repo rate and Reverse Repo rate
Repo (Repurchase) rate is the rate at which the RBI lends shot-term money to the banks. When the
repo rate increases borrowing from RBI becomes more expensive. Therefore, we can say that in case,
RBI wants to make it more expensive for the banks to borrow money, it increases the repo rate;
similarly,
if it wants to make it cheaper for banks to borrow money, it reduces the repo rate.

Reverse Repo

Reverse Repo rate is the rate at which banks park their short-term excess liquidity with the RBI. The
RBI uses this tool when it feels there is too much money floating in the banking system. An increase
in the reverse repo rate means that the RBI will borrow money from the banks at a higher rate of
interest. As a result, banks would prefer to keep their money with the RBI.

Bank Rate
Bank Rate is the rate at which central bank of the country, in India it is the Reserve Bank of India
(RBI), allows finance/liquidity to commercial/scheduled banks within the territory of India. RBI uses
Bank Rate as a tool for short-term measures. Any upward revision in Bank Rate is an indication that
banks should also increase the deposit rates as well as the Prime Lending Rate. Any revision in the
Bank rate indicates more or less interest on your deposits and also an increase or decrease in your
EMI.
What is Bank Rate (Non Bankers Point of View) ?
This is the rate at which RBI lends money to other banks or financial institutions. If the bank rate
goes up, long-term interest rates also tend to move up, and if the bank rate goes down, long-term
interest rates also tend to move down. Thus, it can said that in case bank rate is hiked, in all
likelihood banks will hikes their own lending rates to ensure and they continue to make a profit.
Cash Reserve Ratio
Every commercial/Scheduled bank in India has to keep certain minimum amount of cash reserves
with Reserve Bank of India (RBI). Reserve Bank of India uses CRR as a tool to increase or decrease
the reserve requirement depending on whether RBI wants to increase or decrease in the money
supply. RBI can vary Cash Reserve Ratio (CRR) rate between 3% and 15%. An increase in CRR will
make it mandatory for the banks to hold a large proportion of their deposits in the form of deposits
with the RBI. This will
reduce the amount of Bank deposits and they will lend less as they have less amount as their reserve.
This will in turn decrease the money supply. If RBI wants to increase Money supply it may reduce
the rate of CRR and it will allow the banks to keep large amount of their deposit with themselves and
they will lend more money. It will increase the money supply. For example: When someone deposits
Rs.100 in a bank, it increase the deposit of banks by Rs100, and if the cash reserve ratio is 9%, the
banks will have to hold additional Rs 9 with RBI and Bank will be able to use only Rs 91 for
investments and lending / credit purpose. Therefore, higher the ratio (i.e. CRR), the lower is the
amount that banks will be able to use for lending and investment. RBI uses CRR to control liquidity
in the banking system. The Reserve Bank of India (Amendment) Bill, 2006 has been enacted and has
come into force with its gazette notification. Consequent upon amendment to sub-Section 42(1), the
Reserve Bank, having regard to the needs of securing the monetary stability in the country, can
prescribe Cash Reserve Ratio (CRR) for scheduled banks without any floor rate or ceiling rate.
[Before the enactment of this amendment, in terms of Section 42(1) of the RBI Act, the Reserve
Bank could prescribe CRR for scheduled banks between 3 per cent and 20 per cent of total of their
demand and time liabilities].
Statutory Liquidity Ratio
Apart from the Cash Reserve Ratio, scheduled banks in India are required to maintain, at the close of
business every day, a minimum proportion of their Net Demand and Time Liabilities,liquid assets in
the form of gold, cash andapproved securities. The ratio of liquid assets to demand and time
liabilities is known as Statutory Liquidity Ratio (SLR). Reserve Bank of India is empowered to
increase Statutory Liquidity Ratio (SLR) up to 40%. An increase in SLR also reduces their (Bank’s)
capacity to grant loans and advances, thus it is an antii nflationary impact.

What is SLR (Non Bankers Point of View)?

SLR stands for Statutory Liquidity Ratio. This term is used by bankers and indicates the minimum
percentage of deposits that the bank has to maintain in form of gold, cash or other approved
securities. Thus, it is ratio of cash and some other approved to liabilities (deposits) It regulates the
credit growth in India. Current SLR Rates: The present SLR is 23%. (reduced from earlier 24%)
Headquarters Locations of Important International Organizations:--

1. United Nations Organization (UNO) - New York, USA

2. United Nations Children's Fund (UNICEF) - New York, USA

3. United Nations Educational, Scientific and Cultural Organization (UNESCO) - Paris, France

4. United Nations Industrial Development Organization (UNIDO) - Vienna, Austria

5. World Health Organization (WHO) - Geneva, Switzerland

6. United Nations Fund for Population Activities (UNFPA) - New York, USA

7. International Labour Organization (ILO) - Geneva, Switzerland

8. International Monetary Fund (IMF) - Washington, D.C., United States

9. World Trade Organization (WTO) - Geneva, Switzerland

10. International Court of Justice (World Court or ICJ) - The Hague, Netherlands

11. International Atomic Energy Agency (IAEA) - Vienna, Austria

12. World Bank - Washington, D.C., United States

13. International Committee of the Red Cross (ICRC) - Geneva, Switzerland

14. International Maritime Organization (IMO) - London, United Kingdom

15. Universal Postal Union (UPU) - Bern, Switzerland

16. Food and Agriculture Organization (FAO) - Rome, Italy

17. World Meteorological Organization (WMO) - Geneva, Switzerland

18. South Asian Association for Regional Cooperation (SAARC) - Kathmandu, Nepal

19. Amnesty International - London, United Kingdom

20. Transparency International (TI) - Berlin, Germany

21. World Intellectual Property Organization (WIPO) - Geneva, Switzerland

22. International Renewable Energy Agency (IRENA) - Abu Dhabi, United Arab Emirates

23. Commonwealth of Nations - London, United Kingdom

24. International Organization for Standardization (ISO) - Geneva, Switzerland

## TOP 45 BANK INTERVIEW QUESTION ## ********************************

(1) Why do you want join banking sector?
(2) What is bank and its features and types?
(3) What is Private Banking?
(4) What is the difference between Nationalized bank and Private Bank ?
(5) What is RBI and Functions of RBI?
(6) What is the difference between NBFCs and Bank?
(7) What is the Use of Computers in a Bank?
(8) What is recession? What is the cause for the present recession?
(9) What is Sub-prime crisis?
(10) What is FII and FDI? What is the difference between FII and FDI?
(11) What is a Repo Rate?
(12) What is Reverse Repo Rate?
(13) What is CRR Rate?
(14) What is SLR Rate?
(15) What is Bank Rate?
(16) What is Inflation?
(17) What is Deflation?
(18) What is PLR?
(19) What is Deposit Rate?
(20) What is IPO?
(21) What is Disinvestment?
(22) What is Fiscal Deficit?
(23) What is Revenue deficit?
(24) What is GDP & GNP?
(25) What is National Income?
(26) What is Per Capita Income?
(27) What is SEZ?
(28) What is Fiscal Policy?
(29) What is Right to information Act?
(30) What is Cheque?
(31) What is demand Draft?
(32) What is a NBFC?
(33) What is NABARD?
(34) What is SIDBI?
(35) What is SENSEX and NIFTY?
(36) What is SEBI?
(37) What are Mutual funds?
(38) What are non-perfoming assets?
(39) What is Recession?
(40) What is foreign exchange reservers?
(41) What is Customer Relationship Management CRM?
(42) What is dematerialisation ?
(43) What is Bancassurance ?
(44) What is Liquidity Adjustment Facility LAF ?
(45) What is Money Laundering
HEADS OF INDIAN ORGANIZATION :
1. ASSOCHAM- Rana kapoor
2. NASSCOM- krishna kumar natrajan
3. ATTORNEY GENERAL OF INDIA– g.e.vahanvati
4. CBI- ranjeet sinha
5. IB- saiyad ashif Ibrahim
6. RAW- alok joshi
7. SBI- pradip chaudhary
8. BSE- ashish chauhan
9. NSE- chitra ramkrishna
10. SEBI- u.k sinha
11. RBI- raghuram govind rajan
12. ISRO- dr.k.radhakrishnan
13. DRDO- avinash chander
14. IRDA- t.s. vijayan
15. TRAI- rahul khullar
16. LIC- s.k. roy
17. FICCI- naina lal kidwai
18. CAG- shashi kant Sharma
19. CBDT- sudha Sharma
20. CCI- ashok chawla
21. CHIEF ELECTION COMMISSIONOR- v.s.sampath
22. NATIONAL COMMISSION FOR WOMEN- mamta Sharma
23. NATIONAL SECURITY ADVISOR- shivashankar menon
24. NATIONAL INNOVATION COMMISSION- sam pitroda
25. NATIONAL SECURITY COUNCIL-yakov amridor
26. PM ECONOMIC ADVISOR- c. rangrajan
27. PRESS COUNCIL OF INDIA- marandey katju
28. PRESS TRUST OF INDIA- k.n. shanth kumar
29. CHIEF JUSTIC OF INDIA(SC)- palanisami sadhashivam
30. CHIEF JUSTIC OF DELHI (HC)- nuthalapati venkat raman
31. NABARD- prakash bakshi
32. UGC- ved prakash
33. UPSC- d.p. agarwal
34. SSC- amitava Bhattacharyya
35. IBPS- k.r. Kamath
***ABBREVIATION***

GOOGLE :- Global Organisation of Oriented Group Language of Earth

APPLE :- Asian Passenger Pay Load Experiment
HP :- Hewlett - Packard
IBM :- International Business Machines Corporation
HCL :- Hindustan Computer Limited
WIPRO :- Western India Product Limited
GE :- General Electronics
INFOSYS :- Information System
TCS :- Tata Consultancy Services
AOL :- American Online
BPL :- British Process Laboratory
INTEL :- Integrated Electronics
CISCO :- Computer Information System Company
DELL :- michael DELL
SONY :- Sound Of New York
AMD :- Advance Micro Devices
LENOVO :- LE (Legend), NOVO (New)
COMPAQ :- Compatibility And Quality

★ SOME IMPORTANT ABBREVIATIONS ★

* VIRUS - Vital Information Resource Under Seized.

* 3G -3rd Generation.
* GSM - Global System for Mobile Communication.
* CDMA - Code Division Multiple Access.
* UMTS - Universal Mobile Telecommunication System.
* SIM - Subscriber Identity Module .
* AVI = Audio Video Interleave
* RTS = Real Time Streaming
* SIS = Symbian OS Installer File
* AMR = Adaptive Multi-Rate Codec
* JAD = Java Application Descriptor
* JAR = Java Archive
* JAD = Java Application Descriptor
* 3GPP = 3rd Generation Partnership Project
* 3GP = 3rd Generation Project
* MP3 = MPEG player lll
* MP4 = MPEG-4 video file
*AAC = Advanced Audio Coding
* GIF= Graphic Interchangeable Format
* JPEG = Joint Photographic Expert Group
* BMP = Bitmap
* SWF = Shock Wave Flash
* WMV = Windows Media Video
* WMA = Windows Media Audio
* WAV = Waveform Audio
* PNG = Portable Network Graphics
* DOC = Document (Microsoft Corporation)
* PDF = Portable Document Format
* M3G = Mobile 3D Graphics
* M4A = MPEG-4 Audio File
* NTH = Nokia Theme (series 40)
* THM = Themes (Sony Ericsson)
* MMF = Synthetic Music Mobile Application File
* NRT = Nokia Ringtone
* XMF = Extensible Music File
* WBMP = Wireless Bitmap Image
* DVX = DivX Video
* HTML = Hyper Text Markup Language
* WML = Wireless Markup Language
* CD -Compact Disk.
* DVD - Digital Versatile Disk.
*CRT - Cathode Ray Tube.
* DAT - Digital Audio Tape.
* DOS - Disk Operating System.
* GUI -Graphical User Interface.
* HTTP - Hyper Text Transfer Protocol.
* IP - Internet Protocol.
* ISP - Internet Service Provider.
* TCP - Transmission Control Protocol.
* UPS - Uninterruptible Power Supply.
* HSDPA - High Speed Downlink Packet Access.
* EDGE - Enhanced Data Rate for GSM [Global System for Mobile Communication] Evolution.
* VHF - Very High Frequency.
* UHF - Ultra High Frequency.
* GPRS - General Packet Radio Service.
* WAP - Wireless Application Protocol.
* TCP - Transmission Control Protocol .
* ARPANET - Advanced Research Project Agency Network.
* IBM - International Business Machines.
* HP - Hewlett Packard.
*AM/FM - Amplitude/ Frequency Modulation.
* WLAN - Wireless Local Area Network
VENUE OF SOME IMPORTANT SPORTS TOURNAMENT (MUST SHARE)
*****************************************

1. 2012 Olympics is held at - London

2. Venue of 2016 Olympics - Rio de Genero (Brazil)
3. Venue of 2014 Winter Olympics - Sochi (Russia)
4. 2012 Summer Paralympics is held at - London
5. Venue of 2016 Summer Paralympics - Rio de Genero (Brazil)
6. Venue of 2014 Winter Paralympics - Sochi (Russia)
7. Venue of 2014 FIFA World Cup Football - Brazil
8. Brand ambassador of the 2014 FIFA World Cup - Pele
9. Venue of 2018 FIFA World Cup - Russia
10. Venue of 2022 World Cup Football - Qatar
11. 2010 Commonwealth Games was held at - Delhi
12. 2014 Commonwealth Games will be at - Glasgow (Scotland)
13. Venue of 2018 Commonwealth Games - Gold Coast (Australia)
14. 2012 Euro Cup Football was held at - Poland and Ukraine
15. Venue of 2016 Euro Cup Football - France
16. Venue of 2015 World Cup Cricket - Australia and New Zealand
17. Host of the 2019 World Cup Cricket - England
18. Host of the 2014 T-20 World Cup Cricket - Bangladesh
19. Host of the 2016 T-20 World Cup Cricket - India
20. Venue of 2014 Asian Games - Incheon (South Korea)
21. Host of the 2023 World Cup Cricket - India
22. Venue of 2019 Asian Games - Hanoi (Vietnam)
23. Venue of 2020 Summer Olympics - Tokyo (Japan)
24. Venue of 2018 Winter Olympics - Pyeongchang (South Korea)
25. Host of Cricket world Test Champions 2017 - England
26. Host of Cricket world Test Champions 2021 - India
27. Official Mascot of 2014 FIFA World Cup - Smiling Armadillo
28. 35th National Games to be hosted by - Kerala in 2014.
29. Official mascot of the 35th National Games - Great Hornbill
30. 4th Kabaddi World Cup - In Punjab, November 2013

बैंकों के बारे में कुछ महत्वपर्ू ण जानकारी-

***************************************
1. भारत में खलु ने वाला पहला बैंक – बैंक ऑफ हहन्दस्ु तान (सन् 1770 में खल
ु ा)
2. चेक हसस्टम जारी करने वाला भारत का पहला बैंक – बंगाल बैंक (Bengal Bank) द्वारा पहली बार सन् 1784 में चेक हसस्टम जारी हकया गया
3. बचत खाता (Savings Bank a/c) खोलने वाला भारत का प्रथम बैंक – प्रेसीडेंसी बैंक (Presidency Bank) द्वारा पहली बार सन् 1830
में बचत खाता खोला गया...
4. भारत में खल ु ने वाला पहला हवदेशी बैंक – Comptoire d’Escompte de Paris of France (सन् 1860 में खल ु ा)
5. वतणमान में कायणरत भारत का सबसे परु ाना बैंक – इलाहाबाद बैंक (Allahabad Bank)
6. हवदेश में शाखा खोलने वाला भारत का प्रथम बैंक – बैंक ऑफ इहन्डया ने सन् 1946 में भारत के बाहर लंदन में पहली बार अपनी शाखा खोली
ु ल फंड आरम्भ करने वाला प्रथम बैंक – भारतीय स्टेट बैंक (State Bank of India)
7. म्यचु अ
8. क्रेहडट काडण जारी करने वाला प्रथम बैंक – सेंट्रल बैंक ऑफ इहन्डया
9. ATM सेवा शरू ु करने वाला प्रथम बैंक – HSBC
ु करने वाला प्रथम बैंक – ICICI
10. इन्टरनेट बैंहकंग सेवा शरू

LIST OF NEW APPOINTMENTS

1. Sushil Koirala become new PM of Nepal. He replace Khil Raj Regmi.
2. Satya Nadella appointed as CEO of Microsoft.
3. R.K.Tiwari appointed new Chairman of CBDT.
4. N Ramachandran was elected President of Indian Olympic Association (IOA).
5. Justice Ashok Kumar Mathur appointed head of 7th Central Pay Commission
6. Harish Rawat appointed 8th Chief Minister of Uttrakhand. He succeeded Vijay Bahuguna.
7. Manoj Vaish took charge as MD & CEO of MCX.
8. Aruna Bahuguna first woman to be appointed chief of National Police Academy.
9. Janet Yellen new Chairperson of Federal Reserve.
10. R. Chandrashekhar appointed the President of NASSCOM (National Association of Software and
Service Companies)
11. J.N.Chaudhary was appointed as new head of NSG (National Security Guard)
12. Arvind Ranjan was appointed the full time chief of the Central Industrial Security Force (CISF).
13. Ashok Lavasa, appointed the New Civil Aviation Secretary. He succeeded K.N.Srivastava.
14. M. Veerappa Moily appointed as the new Environment and Forests Minister.
15. Siddarth Birla took charges as President of FICCI.
16. Subrahmanyam Jaishankar became the ambassador of US
17. B. G. Srinivas and U.B. Pravin Rao appointed as presidents of the Infosys.
18. Sushma Singh to take over as new Chief Information Commissioner She succeed Deepak
Sandhu.
19. Harsh Kumar Bhanwala appointed Chairman of National Bank for Agriculture and Rural
Development (NABARD).
20. Usha Sangwan appointed first woman managing director of LIC.
Number of Players in Sports:
----------------------------------
¤ Baseball- 9.
¤ Rugby football- 15.
¤ Polo- 4.
¤ Water Polo- 7.
¤ Kho Kho- 9.
¤ Kabaddi - 7.
¤ Hockey- 11.
¤ Football (Soccer)- 11.
¤ Cricket- 11.
¤ Netball - 7.
¤ Volleyball- 6.
¤ Badminton- 1 or 2 (Singles & Doubles respectively).
¤ Tennis- 1 or 2 (Singles & Doubles respectively).
¤ Table Tennis- 1 or 2 (Singles & Doubles respectively).
¤ Basketball- 5 .
¤ Gymnastic- Several individuals compete simultaneously.
¤ Billiards/Snooker- 1.
¤ Boxing- 1.
¤ Chess- 1.
¤ Bridge- 2 .
¤ Croquet- 13 or 15.
¤ Golf- Several individuals compete simultaneously.
¤ Lacrosse- 12.

IMPORTANT RIVER VALLEY PROJECTS IN INDIA

****************************
1. Bhakra Nangal Project —On Sutlej in Punjab. Highest in India.Ht. 226m. Reservoir is called
Gobind Sagar Lake.

2. Mandi Project— On Beas in HP

3. Chambal Valley Project—- On Chambal in MP & Rajasthan, 3 dams are there:- Gandhi Sagar
Dam, Rana Pratap Sagar Dam and Jawahar Sagar Dam

4. Damodar Valley Project— On Damodar in Bihar(Now Jharkhand) & West Bengal, Based on
Tennessee Valley Project USA

5. Hirakud Project— On Mahanadi in Orrisa, World’s Longest Dam: 4801m

6. Rihand Project— On Son in Mirzapur, Reservoir is called Gobind Vallabh Pant reservoir.

7. Kosi Project— On Kosi in N.Bihar

8. Mayurkashi Project— On Mayurkashi in West Bengal

9. Kakrapara Project— On Tapi in Gujrat

10. Nizamsagar Project— On Manjra in Andhra Pradesh

11. Nagarjuna Sagar Project— On Krishna in Andhra Pradesh

12. Tugabhadra Project— On Tugabhadra in Andhra Pradesh & Karnataka

13. Shivasamudram Project— On Cauvery in Karnataka. It is the older river valley project in India.

14. Tata Hydel Scheme—- On Bhima in Maharashtra

15. Sharavathi Hydel Project— On Jog Falls in Karnataka

16. Kundah & Periyar Project—- In Tamil Nadu

17. Farakka Project — On Ganga in WB. Apart from power and irrigation it helps to remove silt for
easy navigation.

18. Ukai Project—- On Tapti in Gujarat

19. Mahi Project—- On Mahi in Gujarat

20. Salal Project—-- On Chenab in J&K

21. Mata Tila Multipurpose Project— On Betwa in Uttar Pradesh and Madhya Pradesh

22. Thein Project—- On Ravi, Punjab.

23. Pong Dam— On Beas, Punjab

24. Tehri Dam — On Bhgirathi, Uttarakhand

25. Sardar Sarovar Project—- On Narmada, Gujarat/MP

***********INDIAN BALLISTIC MISSILES *************
Prithvi I — (SS-150) - Army Version (150 km range with a payload of 1,000 kg)
Prithvi II — (SS-250) - Air Force Version (250 km range with a payload of 500 kg)
Prithvi III — (SS-350) - Naval Version (350 km range with a payload of 1000 kg)
Agni-I— 700 km (SRBM)
Agni-II—2,500 km (MRBM)
Agni-III —5,000 km (IRBM)
Agni-IV —4,000 km (IRBM)
Agni-V —5,500 km (ICBM)
Agni-VI —10,000 km (ICBM) Under development