ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018 · 2018-10-22 · Axis bank launched Kisan credit card through which farmers can avail credit upto 250 lakh for a maximum term

ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018

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Table of Contents

1. List of Applications and Schemes launched by banks ............................................ 4

2. New Indian Currency Notes ................................................................................... 6

3. Types of Risks in Banks .......................................................................................... 7

4. Commercial, Small and Payments Banks ............................................................... 8

5. Abbreviations ......................................................................................................... 9

6. Types of Banking ................................................................................................... 10

7. Securities ............................................................................................................... 12

8. List of Mergers in Indian Banking Industry ........................................................... 13

9. Digital Banking ...................................................................................................... 14

10. Electoral Bonds .................................................................................................... 18

11. Electronic Fund Transfer at Point of Sale ............................................................. 18

14. KYC ...................................................................................................................... 21

15. Important Financial Institutions ......................................................................... 22

16. Important Acts ................................................................................................... 24

17. Monetary Policies ............................................................................................... 24

19. Types of Loans .................................................................................................... 26

20. Banking Ombudsman Scheme ........................................................................... 27

21. Money Market .................................................................................................... 27

22. Negotiable Instruments Act 1881 ........................................................................ 28

23. Endorsements .................................................................................................... 29

24. Financial Inclusion .............................................................................................. 29

25. Capital Market .................................................................................................... 31

26. Basel Norms ....................................................................................................... 33

27. List of International Airports in India .................................................................. 34

28. List of Revolutions in India ................................................................................. 35

29. Indian & International Bank Taglines .................................................................. 36

30. Union Cabinet Ministers & their Constituency .................................................. 37

31. Census 2011 ........................................................................................................ 38

32. List of Important Rivers on Cities ...................................................................... 39

33. List of Major Ports in India ................................................................................ 40

34. Major Atomic/Thermal/Hydro Power Plants ...................................................... 41


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35. List of upcoming Sports Venues ........................................................................ 42

36. List of Newly Appointed National Officials ....................................................... 44

37. National Parks & Wildlife Sanctuaries ................................................................ 45

38. Important Days .................................................................................................. 47

39. Joint Military Exercises ...................................................................................... 48

40. Reports & Indices ............................................................................................... 49

41. Classical Folk Dances ......................................................................................... 50

42. Stock Exchanges Around the World .................................................................. 50

43. Nick Names of Cities ......................................................................................... 51

44. Currency Printing & Coin Minting in India .......................................................... 51

45. Important Terms ................................................................................................ 52

46. International Organisations & Headquarters ..................................................... 54

47. Rivers, Dams & States ........................................................................................ 55

48. Famous Temple ................................................................................................. 56

49. Stadiums in India ................................................................................................ 57

50. Boundary Lines ................................................................................................. 58


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1. List of Applications and Schemes launched by banks

Bank Scheme and Apps

AIRTEL +

Axis Bank

Airtel Money

Axis Bank Power Salute: Banking Offers

exclusive to Defence

Personnel

machine learning led chatbot

to carry out transactions based

on conversations.

Asha Home Loans: Tailor-

made for people buying their

1st homes.

LIME App

which is a Digital Wallet with

payments, banking and

shopping facilities.

Based on mobile banking

transactions, Axis Bank

topped the chart by the

value of transaction

accounting 17.2% of the

total mobile banking

transaction, according to

SBI annual report.

Axis bank launched Kisan

credit card through

which farmers can avail

credit upto 250 lakh for a

maximum term of 5

years. Card is also giving

benefit of insurance

coverage of upto Rs

50000/-

Bank of

India

Instant Money Transfer(IMT):

Send payments /cash

withdrawal approvals through

banks/ATMs using mobile

number & secret code.

Receiver need not be BOI

account holder.

Initiator of

for farmers. Started in

1980s.

Bank of

Maharashtra : RD scheme as there

is no TDS on interest earned

by the depositor in Recurring

Deposits.

Canara Bank MWallet-enables you to view

wallet balances, ATM Locator,

Branch Locator, transfer funds

between accounts to wallet

and wallet to wallet within the

bank

Citi Bank Introduced voice biometrics

authentication system for its

phone banking clients,

replacing current practice of

interactive voice response.

Launched instant chat services

for its customers named

Citibank Online. It is first such

customer support service in

India by a Bank.

HDFC Chatbot service OnChat. It

allows users to make

payments through Facebook

Messenger

IRA (Intelligent Robotic

Assistant),

Mumbai branch

Pragati for low income group

families

Payzapp is an all-in-one

mobile payment and money

transfer app.

The Union Cabinet has

approved the proposal

for grant of permission to


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the HDFC bank to raise

additional share capital

of up to a maximum of

24,000 crore rupees.

ICICI EazyPay App for merchants. It

allows all in one acceptance

payments platform

Scheme

in association

with American Express

Student Travel Card

ICICI Bank has appointed

Girish Chandra

Chaturvedi as an

additional (independent)

director effective for a

period of 3 years.

Sandeep Bakhshi has

been appointed as the

Chief Operating Officer

(COO).

ICICI +

Vodafone

M-Pesa

Karnataka

Bank

KBL Suraksha: Personal

accident insurance scheme for

savings bank account holders

Karnataka Bank has

launched KBL- Deposit

Only Card for their

Current account or

overdraft customer which

will help them in hassle

free cash deposit

transaction at the bank.

Kerala

Gramin Bank

FI@School Program:

Propagates financial literacy

among school children

Kotak

Mahindra

Bank

KayPay: Facebook-based

funds transfer platform

Kotak Bharat - mobile banking

app

Launched Airtel payment

banks in association with

Airtel.

Punjab

National

Bank

Contactless Credit Card

Wave N Pay (on Visa Platinum

platform), for transactions up

to INR 2000

RBL Bank

exclusively for GOLF LOVERS

microfinance loan

disbursement

SBI MobiCash Mobile Wallet, in

association with Bharat

Sanchar Nigam Limited

(BSNL).

Boutique Financing SCHEME

e-wallet-Buddy: First Indian

Mobile Wallet Application

available in 13 Languages.

YONO (You Only Need One

App)- One app for all the

banking, shopping and

investment needs.

Sbi-intouch-Digital branches

across the country with an aim

to offer advanced banking

services like instant loan

approvals, assistance in

choosing investment portfolios

and access to latest mutual


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funds among others.

Vijaya Bank 3 innovative apps VPAYQWIK,

Vijaya *99# and VeConnect+

Yes Bank a new mobile

banking app with multiple

more features and support for

banking transactions on Apple

and Android based Smart

Watches

service: It allows

any account holder to do

money transfers, pay utility

bills and other mobile banking

services, without any smart

phones or internet, based on

sim sleeve technology

Unique Customizable Savings

Account to enable customers

to design an account as per

their convenience

Corporation

Bank Corporation Bank. has

obtained the

under the category Best

Expectation Management

(Mid Cap) for the

financial-year 2017-18.

Bank of

Baroda Bank of Baroda has given

the direction to IT majors

IBM & Accenture to

create an IT Centre of

Excellence (ITCoE) and

Analytics Centre of

Excellence (ACoE) as part

use technology to drive

growth.

IDBI Bank Mr B Sriram has been

appointed as the IDBI

Bank's CEO and

Managing Director (MD)

for three months.

The Insurance Regulatory

Development Authority

of India (IRDAI) has

allowed Life Insurance

Corporation of India

(LIC) to invest up to 51%

in IDBI Bank.

PayTM Paytm introduced

automatic recurring

payments, a new feature

that lets users configure

the payments app to pay

for periodic recurring

expenses automatically

2. New Indian Currency Notes

Currenc

y Notes

Dimen

-sions

(mm)

Motifs/

Design

Colour

10 63mm

x 123

Sun temple Chocolate

brown

mm.

50 66x135 Hampi with

Chariot

Fluorescen

t Blue

100 66 Rani Ki Vav Lavender


7

mm ×

142

mm

200 66x146 Sanchi

Stupa

Bright

Yellow

500 44x150 Red Fort Stone Grey

2000 66x166 Mangalyaa

n

Magenta

3. Types of Risks in Banks

Fig: Types of Risks

Credit risk usually occurs when there is

not enough income, or failure in business.

values before default that arises from the

deterioration in a portfolio or an

• RBI has announced to set up a

Public Credit Registry, will

contain information on all

borrowers to ensure financial

stability. This will be headed by

Yashwant M Deosthalee. To

examine the setup of Asset

Reconstruction Company, A

committee has been set up

chaired by Sunil Mehta for faster

resolution of stressed assets of

Public Sector Banks

Basel Committee on Banking Supervision

defines Market Risk as the risk of losses

in on or off-balance sheet positions that

arise from movement in market prices.

Market risk is the most prominent for

banks present in investment banking.

Basel Committee on Banking Supervision

defines Operational Risk

loss resulting from inadequate or failed

internal processes, people & systems or

from external events. Operational risk, the

risk in all banking transactions.

Liquidity Risk is the risk of a bank not

being able to have enough cash to carry

out its day-to-day operations.

Reputational Risk happens when banks

standing that occurs due to some dubious

actions taken by the bank.

Business Risk is the risk arising from a

-term business strategy. It

deals with a bank not being able to keep

up with changing competition dynamics,

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losing market share over time, & being closed or acquired.

4. Commercial, Small and Payments Banks

Commercial Banks

No restrictions on providing products,

services and functions to customers.

Similarly, no limit on on deposits from

customers.

Can provide personal loan, home loans,

etc. and can issue credits and debit cards.

Can invest money they collect in form of

deposits in open markets.

Can provide foreign exchange services at

charges decided by them.

Small Finance Banks & Payments

Banks:

Small Finance

Bank Payments Banks

Can accept

all types of

deposit

They can

provide

loans

through

money to

their

customers.

Target

customers

are MSME

businessmen

,

unorganized

workers,

small and

Can take only

savings and current

deposit and not FD

& RD

loans. They can

money in

Government

securities (G-sec)

only.

Target customers

are poor, migrants,

unorganized workers

wanting to send

remittances home.

Maximum balance

per customer can be

marginal

farmers.

For Initial 3

years, 25%

branches

must be in

rural areas to

tap those

areas and

50% of the

loans be

given to

MSME

sector.

Its scope

includes

deposit and

loans

Professional

s with 10

years in

financial

services or

promoter

group with

5-year track

record are

eligible to

apply for

licence.

Large

companies

Can issue

both debit

and credit

cards.

Rs.1 lakh

Its scope includes

payment/remittance

s only, Including

cross-border

remittances.

Indian Post, Business

Correspondents,

Retail chains,

Telecom

Companies, etc are

eligible to apply.

They can issue debit

card. But

credit cards.

List of Payment Banks along with its

headquarters:

Bank HQs

Aditya Birla Nuvo Limited-

Veraval Gujarat

Aditya Birla Idea Payments Bank Mumbai


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Jio Payment Bank Mumbai

Cholamandalam Distribution

Services Limited Chennai

Fino PayTech Limited Navi

Mumbai

National Securities Depository

Limited Mumbai

Vodafone m-pesa Limited Mumbai

Paytm Payment Bank Noida

List of Small Finance Banks along with its

headquarters:

Bank HQs

Au Financiers (India)

Ltd. Jaipur

Capital Local Area

Bank Ltd., Jalandhar Jalandhar

Disha Microfin

Private Ltd., Ahmedabad

Janalakshmi

Financial Services

Private Limited

Bengaluru

Equitas Holdings P

Limited Chennai

ESAF Microfinance

& Investments

Private Ltd

Registered Office-

Chennai, Corporate

Office- Thrissur

(Kerala)

RGVN (North East)

Microfinance

Limited

Guwahati

Suryoday Micro

Finance Private Ltd. Navi Mumbai

Ujjivan Financial

Services Private Ltd. Bengaluru

Utkarsh Micro

Finance Private Ltd. Varanasi

5. Abbreviations

• AAY: Antyodaya Anna Yojana

• CAA&A: Controller of Aid Accounts &

Audit

• BBB: Banks Board Bureau

• CFPI: Consumer Food Price Index

• CIRP: Corporate Insolvency

Resolution Process

• CLSS: Credit Linked Subsidy Scheme

• DARE: Department of Agricultural

Research & Education

• DDA: Doha Development Agenda

• DGCI&S: Directorate General of

Commercial Intelligence & Statistics

• DGFT: Directorate General of Foreign

Trade

• DIPAM: Department of Investment &

Public Asset Management

• DIPP: Department of Industrial Policy

& Promotion

• DISCOMS: Distribution Companies

• EBRD: European Bank for

Reconstruction & Development

• EFTA: European Free Trade

Association

• EIB: European Investment Bank

• e-NAM: Electronic National

Agriculture Market

• EPCG: Export Promotion on Capital

Goods

• FSLRC: Financial Sector Legislative

Reforms Commission

• FSRASC: Financial Sector Regulatory

Appointment Search Committee

• GCC: Gulf Cooperation Council

• ICRA: Indian Credit Rating Agency.

• IBC: Insolvency & Bankruptcy Code

• IFSC: Indian Financial System Code

• IMPS: Immediate Payment Service

• LFPR: Labour Force Participation Rate

• M0: Reserve Money

• M3: Broad money

• MDGs: Millennium Development

Goals


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• NAREDCO: National Real Estate

Development Council

• NCDs: Non-Convertible Debentures

• NCLT: National Company Law

Tribunal

• NEFT: National Electronic Fund

Transfer

• NICRA: National Innovations on

Climate Resilient Agriculture

• NPCI: National Payments Corporation

of India

• MAY: Pradhan Mantri Awas Yojana

• PMFBY: Pradhan Mantri Fasal Bima

Yojana

• PMKSY: Pradhan Mantri Krishi

Sinchayee Yojana

• POL: Petroleum Oil & Lubricants

• RMSA: Rashtriya Madhyamik Shiksha

Abhiyan

• RTGS: Real Time Gross Settlement

• SSA: Sarva Shiksha Abhiyaan

• SUUTI: Specified Undertaking for Unit

Trust of India

• SWIFT: Society for Worldwide

Interbank Financial

Telecommunication.

• SWP: Systematic Withdrawal Plan

• UDAY: Ujwal Discom Assurance

Yojana

• UDISE: Unified District Information

System for Education

6. Types of Banking

Merchant Banking (1) Deals in commercial loans and

investments.

(2) Purpose: Facilitate and/or finance

production and trade of commodities. (3) Offerings: Issue management, portfolio

management, credit syndication, acceptance

credit, counsel on mergers and acquisitions,

insurance, etc.

Overseas Banking (1) The kind of banking in which bank operates

its branches outside India. It Provides and

ensures stateside like banking services and

specialized services required to conduct

financial transactions.

(2) Offerings: Online loan application system

that reduces the need for paperwork and

provides customers with instant loan decision.

Offshore Banking (1) Bank accepts currencies of countries

abroad. (2) Provides financial and legal benefits like

privacy and minimal taxation.

Islamic Banking (1) Islamic banking is a kind of banking activity

which strictly follows the principles of the

Islamic law (Sharia). (2) A better and more apt term for Islamic

banking is Sharia Compliant Finance.

In late 2008, a committee on Financial Sector

Reforms, headed by former RBI governor

Raghuram Rajan, had stressed on the need

for a closer look at the issue of interest-free

banking in the country. However, the Reserve

Bank of India (RBI) has decided not to pursue

https://bit.ly/2nCdiUx


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a proposal for introduction of Islamic banking

in the country.

Para banking

(1) Activities which are excluded from routine

bank-work (deposits, withdrawals, giving

credit, etc.) are para banking activities. (2) Banks can undertake certain eligible

financial services or activities. (3) Para Banking activities which for banks are

limited to those permitted by RBI. (4) Example: Insurance, portfolio management

services, to become pension fund managers,

mutual funds business, money market mutual

funds, underwriting of bonds of PSUs,

investment in venture capital funds, etc.

Narrow Banking (Safe Banks)

(1) Narrow banks do not lend money and are

therefore

(2) They use the deposits done by customers

to buy government bonds only. (3) Advantages: (i) No danger of NPAs (ii) RBI

(4) 11 banks that RBI, under PCA, is turning

into Narrow Banks are: Allahabad Bank,

United Bank of India, Corporation Bank, IDBI

Bank, UCO Bank, Bank of India, Central Bank

of India, Indian Overseas Bank, Oriental Bank

of Commerce, Dena Bank, Bank of

Maharashtra.

What is Deposit Insurance?

Money of customers who deposit money in

the banks is insured by DICGC. And the

customers who take loans from banks are

guaranteed of money by DICGC.

DICGC is a wholly owned subsidiary of RBI,

established on 15 July 1978 under Deposit

Insurance and Credit Guarantee

Corporation Act, 1961 for providing

insurance of deposits and guaranteeing of

credit facilities to the customers of banks.

Green Banking

(1) Promoting environmental-friendly

Practices

(2) Encourages reducing carbon footprint

from banking activities.

(1) Institute for Development and Research

defines Green Banking as an umbrella term

that refers to

(1) Practices & guidelines that make banks

sustainable in economic, environment and

social dimensions.

(2) It aims to use IT and physical infrastructure

in a efficient and effective way, with zero or

minimal impact on the environment.

(3) IDRBT offers guidelines for greening

banking at 2 levels:

(i) Making day-to-day business

operations, banking products and

services greener by following simple

practices and making them

environmentally friendly. (ii) Making IT

infrastructure (including data center) and

physical infrastructure (including

buildings) greener.

Eg. taking initiatives so that a bank could

itself generate electricity for its own

consumption

Retail Banking

(1) Retail banking refers to consumer-

oriented services offered by commercial

banks. Eg. savings accounts, mortgages

and various types of loans and

investment services relating to

retirement and educational planning.

(2) Retail assets of a bank: All borrower

relationships and relationships with small

businesses. Thus, including credit cards,

auto loans, mortgages, personal loans,

and small business loans.

(3) How do retail banks earn money: By

lending money to customers at a higher

rate than they pay to depositors. The

difference, known as the margin or turn,

is kept by the bank. For example, if a

bank pays 1% interest on deposits, they

may charge 6% interest on loans.

Wholesale Banking

(1) Services provided to organisations

such as mortgage Brokers, large

corporate clients, mid-sized companies,



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real estate developers & investors,

international trade finance businesses,

etc.

Universal Banking

(1) Recommended by R H Khan

committee. (2) It means allowing

Financial Institutions & banks to carry

out all types of banking or development

financing activity (as allowed and

permitted by RBI, Govt. & related legal

Acts).

7. Securities

When companies (businesses) or individuals

take credit from financial institutions to meet

their needs, they keep some assets as

Points to Remember:

(i) The borrowers return the credit or loan

after a decided period, with interest as

charged when taking credit or loan.

(2) Institutions give credit only if they are

satisfied that they will get their money

back.

(3) Assets kept as security should be of

same or higher value than the credit

amount taken.

(4) Security is a tradable financial asset.

Issuer: The company or other entity issuing

the security is called the issuer.

Representation: Securities may be

represented by a certificate or, more

typically, "non-certificated", that is in

electronic (dematerialized) or "book entry"

only form.

Types of Securities:

1. Mortgage-backed security (MBS)

(1) Loan against or for immovable objects -

land, building, anything attached to earth.

These remain with the borrower for the time

(2) Lender can take possession in case of

default and the lender can sell the immovable

object to recover his amount.

(3) Example - Home loan (property remains

with borrower.)

2. Lien

(1) Is defined as right to keep possession of

property belonging to another person until a

debt owed by that person is discharged. It is a

form of security interest granted over an item

of property to secure the payment of a debt

or performance of some other obligation. So,

lien is a legal claim on the securities.

(2) The owner of the property, who grants the

lien, is referred to as the lienee and the

person who has the benefit of the lien is

referred to as the lienor or lien holder.

(3) Agreement implies that a lien is imposed

by law, which is not in the case of contract.

(4) Similarity between Lien & Pledge: Both

are used for the security purpose. And lender

has the rights to have the possession of the

securities against which the loan is given, but

the lender cannot sell the securities to recover

his losses unless stated in the agreement.

(5) Difference between Lien & Pledge: Lien

is formed by agreement between the two

parties unlike pledge. Unlike pledges, Lien

agreement can be on property too.

3. Pledge

(1) Actual possession of assets against which

loan is taken remains with the lender until the

loan is paid back.

(2) Contract used when lender (pledgee) takes

actual possession of assets (i.e. certificates,

goods). Examples: goods, certificates, gold,

etc.

(3) Such securities or goods are movable

securities.

(4) Pledgee retains possession of goods until

the pledger (i.e. borrower) repays the entire

debt amount.


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(5) In case that the borrower is not able to

meet the obligation i.e. return the money

borrowed with specified time, the lender has

full rights to sell the assets and recover his

losses along with interest.

(6) Indian Contract Act 1872, section 172.

(Memory tip: Act 1872 & Section 172) 4. Hypothecation

(1) Credit and the asset against which or for

which loan is taken, both remain with the

borrower.

(2) In case of default, Fin. institution can take

possession of asset and sell it to recover

credit/loan. Example: Movable assets like

stocks, machinery, loan against or for a

vehicle.

(3) SARFAESI ACT 2002

Major Difference between Pledge &

Hypothecation:

Hypothecation: Bank cannot take

Upon taking possession, it can sell the asset

without asking.

Pledge: Possession stays with bank till

repayment of loan. It must return goods on

loan repayment.

Securi-

ties

Pledge Hypothe-

cation

Mort-

gage

Type Movable

Movable Immovable

Posse-ssion

With Lender

With Borrower

With Borrower

Example

Goods like Gold loan advance against NSC, etc.

Assets like Vehicle, Machines Stocks, etc.

Housing Loan

8. List of Mergers in Indian Banking Industry

SBI

Name of the

Banks

Acquired

Name of the

Banks that got

Merged

Year of

Merging

SBI Bharatiya Mahila

Bank (BMB) 2017

SBI State Bank of

Travancore (SBT) 2017

SBI State Bank of

Bikaner and

Jaipur (SBBJ)

2017

SBI State Bank of

Hyderabad (SBH) 2017

SBI State Bank of

Mysore (SBM) 2017

SBI State Bank of

Patiala (SBP) 2017

Other Banks

Name of the

Banks

Acquired

Name of the

Banks that got

Merged

Year of

Mergin

g

Kotak

Mahindra

Bank

ING Vysya Bank 2016


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ICICI Bank Bank of Rajasthan 2010

State Bank of

India

State Bank of

Indore 2009

State Bank of

India

State Bank of

Saurashtra 2008

HDFC Bank Centurion Bank of

Punjab 2008

Centurion

Bank of

Punjab

Lord Krishna Bank 2007

Indian

Overseas Bank

Bharat Overseas

Bank 2007

IDBI Bank United Western

Bank Ltd. 2006

Federal Bank Ganesh Bank of

Kurundwad 2006

Centurion

Bank

Bank of Punjab

(BoP) 2005

IDBI Bank

Limited IDBI Limited 2005

Oriental Bank

of Commerce

Global Trust Bank

(GTB) 2004

Punjab

National Bank Nedungadi Bank 2003

Bank of

Baroda

Benares State

Bank 2002

ICICI Bank

Limited ICICI Limited 2002

ICICI Bank Bank of Madura 2001

HDFC Bank Times Bank 2000

Union Bank of

India Sikkim Bank 1999

State Bank of

India

Kashinath State

Bank 1995

Bank of India Bank of Karad 1994

Punjab

National Bank

New Bank of

India 1993

State Bank of

India Bank of Cochin 1985

Canara Bank Lakshmi

Commercial Bank 1985

Bank of

Baroda

South Gujarat

Local Area Bank 2004

Bank of

Baroda

Bareilly

Corporation Bank

Ltd.

1998

Oriental Bank

of Commerce

Bari Doab Bank

Ltd 1997

Oriental Bank

of Commerce

Punjab Co-

operative Bank 1997

Allahabad

Bank

United Industrial

Bank Limited 1989

Central Bank

of India

Purvanchal Bank

Ltd. 1990

Bank of India Parur Central

Bank Ltd. 1990

State Bank of

India

National Bank of

Lahore Ltd. 1970

State Bank of

India Bank of Bihar Ltd 1969

Punjab

National Bank

Hindustan

Commercial Bank

Ltd.

1986

Indian Bank Bank of Thanjavur

Ltd 1990

Bank of

Baroda Traders Bank Ltd 1988

Indian

Overseas Bank

Bank of Tamil

Nadu 1990

9. Digital Banking


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India is advancing at breath-taking speed

towards a cashless economy. Digital Payment

Mode is growing faster with the growth in E-

Commerce. Digital Payment Systems for

Banking are going to occupy the largest part

of transactions. With the growth in E-

Commerce in the world, knowledge of these

Cashless Transaction modes has become very

necessary. National Payments Corporation of India

(NPCI)

(1) National Payments Corporation of India

(NPCI) is an umbrella organization for all retail

payments system in India.

(2) It aims to allow all Indian citizens to have

unrestricted access to e - payment services.

(3) Headquarter: Mumbai

Non-Executive Chairman: Biswamohan

Mahapatra and MD and CEO: Dilip Asbe

(4) RBI Nominee Director: Mr. Sudarshan Sen.

(5) It was incorporated in December 2008 &

the Certificate of Commencement of Business

was issued in April 2009. The authorized

capital was pegged at Rs 300 crore & paid up

capital was Rs 100 crore.

The National Payments Corporation of

India (NPCI) has allowed Facebook-owned

WhatsApp to beta test its BHIM UPI beta

payments service with limited user base of

1 million and low transaction limit. Four

BHIM UPI model in phases and full feature

product will be released after beta test is

successful.

USSD

((1) Unstructured Supplementary Service Data

(USSD) allows users to check their balance

and get mini statements, along with making

payments, even if

smartphone or have access to the internet -

just by dialling *99#

(2) Was launched by NPCI in 2014

(3) On their mobile phones, banking

customers can avail the service by dialing

Common number across all Telecom

interactive menu gets displayed on the mobile

screen to facilitate transactions.

(4) One can check status of his/her Aadhaar

number seeding/linking in the bank account.

(5) The service works across all GSM service

providers & brings together diverse

ecosystem partners such as Banks & TSPs

(Telecom Service Providers).

NUUP

(1) NUUP (National Unified USSD Platform)

service is based on the Unified Payment

Interface (UPI) service over USSD, to facilitate

easy access banking services from mobile

phones.

(2) USSD number *99# is allotted for NUUP

services.

(3) TRAI has set a maximum ceiling of ₹1.5 per

transaction for accessing NUUP

BHIM

(1) Bharat Interface for Money is a mobile app

developed by NPCI, based on the Unified

Payment Interface (UPI) - with zero

transaction charges.

(2) The aim is to make it easy for everyone to

allow digital payments directly from the bank

account. BHIM allow users to send or receive

money to or from UPI payment addresses, or

to non-UPI based accounts. (using mobile

number or Virtual Payment Address or VPA.)

(3) It was launched by PM Modi on 30th Dec

2016. It is dedicated to Dr. Bhimrao

Ambedkar.

(4) Works on Android, iOS & Windows.

(5) It is available in 12 languages.

(6) Famous Actor Shushant Singh Rajput

will also promote Bharat Interface for

Money (BHIM) digital payments app for


16

cashless economy by appearing in various

video, print and social media cashless

economy by appearing in various video,

print and social media campaigns of NITI

Aayog.

UPI

(1) Unified Payments Interface (Regulated by

RBI) is an instant real-time payment system

developed by National Payments Corporation

of India facilitating inter-bank transactions.

(2) UPI withdraws and deposits funds directly

from the bank account whenever a

transaction is requested.

(3) It uses Virtual Payment Address, Account

Number with IFSC Code, Mobile Number

with MMID, Aadhaar Number.

(4) Prime Minister Narendra Modi launched

three Indian mobile payment applications

BHIM, RuPay and UPI enabled remittance

app of SBI in Singapore aimed at

payment platforms. They were launched at

(5) MobiKwik one of the largest digital

service provider platform, announced the

launch of Unified Payments Interface (UPI)

on its platform via its own Virtual payment

address (VPA) handle @ikwik.

IMPS

(1) Launched in 2010, immediate payment

service (IMPS) is an instant real-time inter-

bank electronic (mobile, online banking,

ATM) funds transfer system in India.

(2) It uses mobile number or Aadhaar number

to connect with a bank account, Mobile Money

Identifier (MMID) is a 7 digit number, issued by

banks. It is clubbed with mobile number to

facilitate fund transfer.

(3) As per NPCI data, the number of

transactions through IMPS crossed 100

million marks in March 2018 and touched a

high of 120.4 million in June.

(4) Transfer of funds through Immediate

Payment Service (IMPS) crossed a

whopping Rs 3.23 trillion in April-June

quarter of 2018-19, which is almost double

the amount recorded in the year-ago

period.

RTGS & NEFT

(1) Real-Time Gross Settlement systems

(RTGS) are funds transfer systems where

transfer of money or securities takes place

from one bank to another on a "real-time" and

on "gross" basis. National Electronic Funds

Transfer (NEFT) is a nation-wide payment

system facilitating one-to-one funds transfer.

The main purpose of NEFT is to enable

electronic cash transfer from one financial

institution to another within India especially

banks.

(2)There is no minimum and maximum limit

for cash remittance. However, the maximum

amount per transaction is limited to ₹ 50,000.

In contrast with NEFT system, there is a

minimum limit of Rs 2,00,000 to be

transferred through RTGS. Though there is no

maximum limit.

MMID

(1) The Mobile Money Identifier (MMID) is the

key identifying detail of a user participating in

a transaction.

(2) An MMID is a seven-digit number given to

a customer upon registration with a bank for

the service.

(3) The remitter and the beneficiary should

have this MMID for doing this inter-bank

funds transfer through Mobile Number and

MMID.

QSAM

(1) *99*99# service, is alternatively known as

QSAM (or Query Service on Aadhaar

Mapper).

(2) Dialling this from mobile phone, helps user

in knowing their Aadhaar Seeding status with

their bank account.


17

NACH (1) National Payments Corporation of India

Institutions, Corporates and Government.

(2) It aims to consolidate multiple ECS

systems running across the country

(3) Yearly volume of NACH has already

reached about 95 million transactions by May

2015 amounting to about Rs. 250 billion in

actual credit value.

CTS

(1) Launched: 1 February 2008

(2) Truncation is the process of stopping the

flow of the physical cheque in its way of

clearing. In its place an electronic image of

the cheque is transmitted with key important

data.

Cheque truncation thus obviates the need to

move physical instruments across branches

(3) Cheque Truncation System (CTS) or

Image-based Clearing System (ICS) is based

on a cheque truncation or online image-based

cheque clearing system where cheque images

and Magnetic Ink Character Recognition

(MICR) data are captured at the collecting

bank branch and transmitted electronically.

(4) Cheque Truncation System (CTS) is a

cheque clearing system undertaken by the

Reserve Bank of India (RBI) for faster clearing

of cheques.

IFSC

(1) The Indian Financial System Code (IFS

Code or IFSC) is an alphanumeric code that

facilitates electronic funds transfer in India.

(2) A code uniquely identifies each bank

branch participating in the two main Payment

and settlement systems in India: the Real

Time Gross Settlement (RTGS) and the

National Electronic Fund Transfer (NEFT)

systems.

(3) The IFSC is an 11-character code with the

first four alphabetic characters representing

the bank name, and the last six characters

(usually numeric, but can be alphabetic)

representing the branch. The fifth character is

Code is used by the NEFT & RTGS systems to

route the messages to the destination

banks/branches.

MICR

(1) Magnetic Ink Character Recognition

(MICR) is the information that appears at the

bottom of a check.

(2) The magnetic ink allows the computer to

read the characters even if they have been

covered with signatures, cancellation marks

or other marks.

(3) MICR, the 9-digit code, is a character-

recognition technology used mainly by the

banking industry to ease the processing and

clearance of cheques and other documents.

(4) The first 3 digits represents the city code;

the next 3 digits represents the bank code;

https://bit.ly/2mdJPmF


18

the last 3 digits represents the bank branch

code.

SWIFT

(1) The Society for Worldwide Interbank

Financial Telecommunication (SWIFT)

provides a network that enables financial

institutions worldwide to send and receive

information about financial transactions in a

secure, standardized and reliable

environment.

(2) Headquarter: La Hulpe, Belgium;

Chairman: Yawar Shah; CEO: Gottfried

Leibbrandt

(3) SWIFT does not facilitate funds transfer:

rather, it sends payment orders, which must

be settled by correspondent accounts that the

institutions have with each other.

BBPS

(1) Bharat Bill Payment System (BBPS) is an

integrated bill payment system in India

offering practical and accessible bill payment

service to customers through a network of

agents of registered member, enabling

multiple payment modes, and providing

instant confirmation of payment.

(2) National Payments Corporation of India

(NPCI) will function as the authorised Bharat

Bill Payment Central Unit (BBPCU), which will

be responsible for setting business standards,

rules and procedures for technical and

business requirements for all the participants.

ACU

(1) Established: December 9, 1974

(2) Headquarters: Tehran, Iran

The Asian Clearing Union (ACU) was

established at the initiative of the United

Nations Economic and Social Commission for

Asia and the Pacific (ESCAP).

(3) The aim of ACU was to secure regional co-

operation about the settlement of eligible

monetary transactions to provide a system for

clearing payments among the member

countries on a multilateral basis.

10. Electoral Bonds

Announced: Scheme Union Budget 2017

Aim: (1) Alternative to cash donations. So that

transparency in political funding can increase.

(2) Elimination of unaccounted and

anonymous donations to political parties.

(3) In a way fights black money.

Points to Remember:

India is the 1st country in the world to have a

unique bond for electoral funding.

Electoral bonds are made available for 10 days

in January, April, July and October.

Any Indian citizen or a body incorporated in

India can buy these bonds.

Electoral bonds will be valid for only 15 days

and will not carry the name of the payee.

Bonds can be bought from SBI branches at

Mumbai, Chennai, Kolkata and New Delhi.

Electoral bonds can be bought for any

amount in multiples of Rs. 1000, Rs.10,000,

Rs.1 Lakh, Rs.10 lakh and Rs. 1 crore.

Purchaser must pay from KYC - compliant

bank account.

Bonds can be donated to a registered political

party only.

11. Electronic Fund Transfer at Point of Sale

Electronic Funds Transfer At Point Of Sale

(EFTPOS) is a payment system that allows

faster and safer digital fund transfers at

payment terminals using debit or credit cards.


19

EFTPOS was first introduced in the US in

1981 and rolled out in 1982, after that

several other countries followed the suit.

Electronic Funds Transfer (EFT) - It is also

known as e-transfer and indicates the transfer

of money between accounts by consumer

electronic systems such as automated teller

machines (ATMs), and electronic payment of

bills.

Point of Sale (POS) - is the location where a

sales transaction occurs

12. Priority Sector Lending

Priority sector was first properly defined in

1972 by Dr. K S Krishnaswamy committee.

Priority Sector Lending is an important role

given by the Reserve Bank of India (RBI) to the

banks for providing a specified portion of the

bank lending to few specific sectors.

As per the RBI circular of July 7, 2016, there

are 8 broad categories of the PSL viz.

(1) Agriculture

(2) Micro, Small and Medium Enterprises

(3) Export Credit

(4) Education

(5) Housing

(6) Social Infrastructure

(7) Renewable Energy

(8) weaker sections.

Private sector lending is essentially meant for

an all-round development of the economy and

not just focus on the financial sector.

Private sector lending is also linked to the

Double Financial Repression. In India, private

sector lending has been made a salient

feature of banking mainly due to the social

and economic objectives that underlie PSL.

However, banks are also required to keep

certain amount to maintain Statutory Liquidity

Ratio (SLR) and from the remaining disposable

amount, 40 per cent is dedicated for the

priority sector. Thus, large fraction of

economic survey has brought this issue to the

forefront and has recommended the

government to restructure SLR and Priority

Sector Lending.

13. NPA and Recovery

What is an NPA?

Non-performing assets are bad loans. Once

a borrower fails in payment of interest or

instalment of the principal or both for 90

days at least, the loan is considered an

NPA.

Rise in NPAs has taken a toll on stock prices

of most of these banks. So, RBI rules require

that banks should set aside certain amount of

money (provisioning) for the NPAs. NPAs are

classified as sub standard, doubtful and

loss-making assets for provisioning

requirements

Substandard asset

NPA for a period

less than or equal to

12 months.

Doubtful asset

NPA for a period of

more than 12

months.

Loss asset

NPA for a period of

more than 36

months

Classification of NPAs for Agriculture

loans:

A loan will be treated as an NPA if

instalment of the principal or interest

remains unpaid beyond the due date for

(i) two crop seasons in case of short

duration crops (maturing within one year);

(ii) one crop season for long duration crops

(maturing after one year).

To recover the NPAs, many measures have

been taken, like: Provisioning, CAR norms,


20

Securitization law, Foreclosure, Norms, One-

time settlement, Interest Waiver, Write-offs,

Debt recovery tribunals, Asset reconstruction

companies

With a view to bringing convergence of the

Priority Sector Lending guidelines for

housing loans with the Affordable Housing

Scheme, and to give a relaxation to low-

cost housing for the Economically Weaker

Sections the housing loan limits for

eligibility under priority sector lending will

be revised to Rs 35 lakh in metropolitan

centres from Rs 28 and to Rs 25 lakh from

Rs 20 lakh earlier in other centres, provided

the dwelling cost does not exist Rs 45 lakh.

SARFAESI ACT 2002

(1) The Securitisation and Reconstruction of

Financial Assets and Enforcement of

Securities Interest Act, 2002 (also known as

the SARFAESI Act) is an Indian law. It allows

banks and other financial institution to

auction residential or commercial properties

to recover loans.

(2) It is used to expedite recovery of loans and

bring down the non performing asset level

of the Indian banking and financial sector.

(3) It will thus become easier to recover bad

loans from wilful defaulters.

Prompt Corrective Action (PCA)

(1) To ensure that banks don't go bust, RBI has

put in place some trigger points to assess,

monitor, control and take corrective actions

on banks which are weak and troubled. The

process or mechanism under which such

actions are taken is known as Prompt

Corrective Action, or PCA.

(2) It maintains sound financial health of

banks, which involves monitoring of certain

performance indicators of the banks as an

early warning exercise.

(3) Regulators use 4 different capital

measures i.e. a total risk and a Tier - 1 based

capital ratio, leverage and Equity to assets

ratio. Reserve Bank of India (RBI) has put state-

run lender Dena Bank under prompt

corrective action (PCA) framework.

The Reserve Bank of India (RBI) has placed

11 public sector banks (PSBs) out of 21

State-owned banks under its Prompt

Corrective Action (PCA) framework

because of deteriorating performance.

Three-four more PSBs are expected to be

brought under PCA framework.

Asset Reconstruction Company

(1) In order to recover the bad debts (sticky

loans), the Asset Reconstruction Company,

who have built in professional expertise,

handles recovery as their core business.

(2) ARCs buy bad loans from banks and try to

restructure them and collect them. ARC is

formed under SARFAESI Act, 2002.

(3) Under this Bank / FIs have the power to

sell their bad loans. The loans which are of 1

lakh or more fall in this category

Debt Recovery Tribunal

(1) The Government of India has constituted

38 Credit Recovery Tribunals (DRT) and

constituted the 5 Debt Restore Appeal

Tribunal (DRAT) across the country.

(2) The Debts Recovery Tribunal (DRT)

enforces provisions of the Recovery of Debts

Due to Banks and Financial Institutions

(RDDBFI) Act, 1993 and Securitization and

Reconstruction of Financial Assets and

Enforcement of Security Interests (SARFAESI)

Act, 2002.


21

(3) The Debt Recovery Tribunal is located

throughout the

Debts due to Banks and Financial Institutions

(4) As per the act, the issue is to be settled in

6 months and in this case the success rate is

around 20 30%.

Strategic Debt Restructuring (1) Strategic Debt Restructuring (SDR) Scheme

allows banks and non-banking lending

institutions to convert their loans into equity

stake.

(2) Under the SDR scheme, banks are

exempted from making an open offer while

acquiring majority stake in a stressed

company.

(3) The Joint Lenders Forum/Corporate

Restructuring Cell can initiate the SDR

scheme.

(4) The SDR as an initiative can be taken by

the group of banks or JLF that have given

loans to the defaulted entity. The Joint Lender

Forum (JLF) is a committee comprised of the

entire bankers who have given loans to a

potentially stressed or stressed borrower.

The Joint Lenders' Forum (JLF) as an

institutional mechanism for resolution of

stressed accounts stands discontinued in

accordance with the Insolvency and

Bankruptcy Code (IBC).

Lok Adalats

(1) Lok Adalat ("Public Court" or "People's

Court") is one of the Alternative dispute

resolution mechanisms in India, it is a forum

where cases pending or at pre-litigation stage

in a court of law are settled.

(2) Created under Legal Services Authority

Act 1987.

(3) Lok Adalats have been found suitable for

the recovery of small loans.

(4) According to RBI guidelines issued in 2001,

they cover NPA up to Rs. 20 lakhs, both suits

filed, and non-suit filed are covered.

14. KYC

KYC o

the process of banks asking for your identity

proof. This prevents fraud and misuse of

banking facility. It is similar to a security

check.

The Reserve Bank of India (RBI) has made

linking of national biometric ID Aadhaar to

bank accounts mandatory as part of its

updated 'Know Your Customer (KYC)'

guidelines. RBI has also imposed a penalty

of Rs 5 cr on south Indian bank for non-

compliance with its directions on Income

Recognition and Asset Classification (IRAC)

norms, Know Your Customer (KYC) norms

and treasury function.

https://bit.ly/2nCdiUx


22

What is CTR?

Currency Transaction Report is a bank form

used as a tool to prevent Money.

What is STR?

An STR is Suspicious Transaction Report.

Firstly, A suspicious transaction is one for

which there are reasonable grounds to

suspect that the transaction is related to a

money laundering offence or a terrorist

activity financing offence.

15. Important Financial Institutions

1. RBI

The Reserve Bank of India (RBI) is India's

Central Banking Institution which controls the

monetary policy of Indian rupee. It

commenced its operations on 1 April 1935 in

accordance with the Reserve Bank of India

Act 1934.

Urjit Patel is the governor of RBI.

RBI has revised its priority sector lending

guidelines for housing loan under Pradhan

Mantri Awas Yojna. Housing Loan of up to

Rs 35 Lakh for dwelling costing less than 45

Lakh will be treated as PSL to uplift low

cost segment to the society.

From now, according to RBI Interest

subsidy scheme on short-term crop loans

up to lakh rupees will be implemented

through the Direct benefit transfer mode.

The Reserve Bank of India (RBI) has made

Scheme (GMS to enable people to open a

hassle-free gold deposit account.

The Reserve Bank of India (RBI) has

announced its second Bi- monthly

Monetary Policy Rates for 2018-19 in

Mumbai. RBI increase the policy repo rate

under the liquidity adjustment facility (LAF)

by 25 basis points to 6.25%. The reverse

repo rate under the LAF stands adjusted to

6.0% The marginal standing facility (MSF)

rate and the Bank Rate to 6.50%. Cash

Reserve Ratio (CRR) remains unchanged at

4%.

Mahesh Kumar Jain has been appointed as

the fourth Deputy Governor at Reserve

Bank of India for period of 3 years.

The other three deputy directors of RBI are

Viral Acharya, and B P Kanungo and N S

Vishwanathan.

Sudha Balakrishnan has been appointed

the first ever Chief Financial

Officer (CFO) of the Reserve Bank of

India (RBI).

RBI had organised a Financial Literacy

Week from 1st- 8th June 2018, throughout

the nation. The Theme for the Programme

2. NABARD

National Bank for Agriculture and Rural

Development (NABARD) is India's specialised

Bank for Agriculture and Rural Development

in India. NABARD was established by Act 61,

1981 of Parliament on 12 July 1982 to

implement the National Bank for Agriculture

and Rural Development Act 1981.

HQ: Mumbai;

Chairman: Dr. Harsh Kumar Bhanwala

Subsidiaries of NABARD: NABCONS,

NABFINS, ABFL.


23

The Cabinet Committee on Economic

Affairs (CCEA) approved initial corpus of

Rs.5,000 crore for setting up of dedicated

Micro Irrigation Fund (MIF) in NABARD

(National Bank for Agriculture and Rural

Development) under Pradhan Mantri Krishi

Sinchayee Yojana (PMKSY).

A bill to increase authorised capital of

National Bank for Agriculture and Rural

Development (Nabard) by six times to

Rs30,000 crore and enable exit of Reserve

Bank of India (RBI) was passed by

Parliament after the government assured

that there is no plan to have private holding

in it.

3. SEBI

The Securities and Exchange Board of India

(SEBI) is the regulator for the securities

market in India. It was established in the year

1988 and given statutory powers on 30

January 1992 through the SEBI Act, 1992.

Recently, SEBI has approved amendments

to buyback and takeover regulations and

changed the time for announcing the price

band of initial public offering (IPO) from 5

to 2 days

4. NATIONAL HOUSING BANK

Housing Bank (NHB), a wholly owned

subsidiary of Reserve Bank of India (RBI), was

set up on 9 July 1988 under the National

Housing Bank Act, 1987.

The National Housing Bank (NHB) has

sanctioned around Rs 3,018 crore under

the credit-linked subsidy scheme (CLSS) of

the Pradhan Mantri Awas Yojana (PMAY).

The present MD and CEO of NHB is Sriram

Kalyanaraman.

5.EXIM BANK

Export Import Bank of India is the premier

export finance institution in India, established

in 1982 under Export-Import Bank of India Act

1981.

EXIM Bank has extended USD 10 million

worth of line of credit (LOC) to Seychelles.

The EXIM Bank will provide loan of upto 4.5

bn to Bangladesh for financing of various

social and infrastructure projects.

6.DICGC

Deposit Insurance and Credit Guarantee

Corporation (DICGC) is a subsidiary of

Reserve Bank of India. It was established on 15

July 1978 under Deposit Insurance and Credit

Guarantee Corporation Act, 1961.

HQ: Mumbai;

Chairman: B.P.Kanungo.

7.ECGC

ECGC Ltd, was established in July 1957 to

strengthen the export promotion by covering

the risk of exporting on credit. The name of

the company has been changed from ERIC to

ECGC Ltd. with effect from 8 August 2014.

The Cabinet Committee on Economic

Affairs (CCEA) has approved the capital

infusion of Rs. 2000 crore for

strengthening of Export Credit Guarantee

Corporation (ECGC) to enhance insurance

coverage to micro, small medium

enterprises (MSMEs) exports. The amount

will be infused in three financial year i.e.

Rs.50 crore in 2017-18, Rs.1450 crore in

2018-19 and Rs.500 crore in 2019-20.

8. SIDBI

Small Industries Development Bank of India

(SIDBI) is a development financial institution

in India. It was established on 2nd April 1990.

Small Industries Development Bank of

India (SIDBI) and Common Service

Centres (CSC) Special Purpose Vehicle

(SPV) signed MoU for providing financial

Support village level entrepreneurs in

CSCs.

The Small Industries Development Bank of

India (SIDBI) celebrated its foundation day

this year on April 2, 2018.

9. IFC

The International Finance Corporation (IFC) is

an International Financial Institution that

offers investment, advisory, and asset-


24

management services to encourage private-

sector development in developing countries.

It was established in 20 July 1956.

16. Important Acts

1. RBI Act

The Reserve Bank of India Act 1934 is an Act

to constitute a Reserve Bank of India (RBI) and

provide the Central Bank with various powers

to act as the Central Bank of India.

2. NABARD Act

NABARD was established by Act 61, 1982 of

the Parliament to implement the National

Bank for Agriculture and Rural Development

Act 1981.

3. RRB Act

The RRB Act 1976 was adopted to provide

sufficient banking and credit facility for

agriculture.

4. BANKING REGULATION Act

The Banking Regulation Act, 1949 is a

legislation in India that regulates all Banking

firms in India.

5. SEBI Act

The Securities and Exchange Board of India

(SEBI) is the regulator for the securities

market in India. It was established in the year

1988 and given statutory powers on 30

January 1992 through the SEBI Act, 1992.

17. Monetary Policies

1. CASH RESERVE RATIO

Cash Reserve Ratio (CRR) is a specified

minimum fraction of the total deposits of

customers, which Commercial Banks must

hold as reserves either in cash or as deposits

with the Central Bank.

Current Rate 4%

2. STATUTORY LIQUIDITY RATIO

Statutory Liquidity Ratio (SLR) is the Indian

Government term for the reserve requirement

that the Commercial Banks in India are

required to maintain in the form of cash, gold

reserves, government approved securities

before providing credit to the customers.

Current Rate 19.5%

3. REPO RATE

Repo Rate is the rate at which the Central

Bank of a Country (Reserve Bank of India in

case of India) lends money to Commercial

Banks in the event of any shortfall of funds.

Current Rate 6.25%

4. REVERSE REPO RATE

Reverse Repo Rate is the rate at which the

Central Bank of a country borrows money

from Commercial Banks within the country. It

is a monetary policy instrument which can be

used to control the money supply in the

country.

Current Rate 6%

5. BANK RATE

Bank rate is the rate charged by the Central

Bank for lending funds to Commercial Banks.

Current Rate 6.50%

6. MARGINAL STANDING FACILITY

Marginal Standing Facility (MSF) is the rate at

which scheduled banks could borrow funds

overnight from the Reserve Bank of India

(RBI) against approved government securities.

Current Rate 6.50%

7. OPEN MARKET OPERATIONS

Open Market Operations (OMO) refer to

buying and selling of government securities in

the open market to expand or contract the

amount of money in the Banking System.


25

INDICATORS CURRENT

RATE

CRR 4%

SLR 19.5%

Repo Rate 6.25%

Reverse Repo Rate 6.00%

MSF 6.50%

18. Types of Accounts

1. CURRENT ACCOUNT

A current account, also known as financial

account is a type of deposit account

maintained by individuals who carry out

significantly higher number of transactions

with banks on a regular basis.

2. SAVINGS ACCOUNT

A savings account is an interest-bearing

deposit account held at a Bank or another

financial institution that provides a modest

interest rate.

3. FIXED DEPOSIT ACCOUNT

A Fixed Deposit (FD) is a financial instrument

provided by Banks or NBFCs which provides

investors a higher rate of interest than a

regular savings account, until the given

maturity date.

4. RECURRING DEPOSIT ACCOUNT

Recurring Deposit is a special kind of Term

Deposit offered by Banks in India which help

people with regular incomes to deposit a

fixed amount every month into their Recurring

Deposit account and earn interest at the rate

applicable to Fixed Deposits.

5. FLEXIBLE ACCOUNT A Flexible Spending Account (FSA), also

known as a flexible spending arrangement, is

one of several tax-advantaged financial

accounts.

6. DORMANT ACCOUNT

A dormant account refers to a Bank Account

which had no activity for a long period of

time, other than posting interest.

7. DEMAT ACCOUNT

A Demat Account is an account that allows

investors to hold their shares in an electronic

form.

8. NRI ACCOUNT

In Indian Banking terminology, the term NRI

Account refers to funds deposited by a Non-

Resident Indian.

9. NRO ACCOUNT

An NRO account is a savings or current

account held in India that helps NRIs manage

income earned in India such as rent,

dividends, or pension from abroad.

10. FCNR ACCOUNT

FCNR (Foreign Currency Non-Repatriable

Account) is a Fixed Deposit Foreign Currency

account and not a savings account. Deposits

in this account can be made in any of the

major foreign currencies like US Dollar, UK

Pound, Canadian Dollar, Deutsche Mark,

Japanese Yen and Euro.

It is available for term deposits of 1 to 5 years

and loans up to Rs.100 lakh can be extended

against funds held in FCNR.

11. NOSTRO ACCOUNT



26

Nostro account refers to an

account maintained by an Indian Bank in the

foreign countries.

12. VOSTRO ACCOUNT

A Vostro account is maintained by a foreign

bank in India with their corresponding bank.

13. EEFC ACCOUNT

(EEFC) is an account maintained in foreign

currency with an authorised dealer.

14. NRE ACCOUNT

NRE Savings Account enables NRIs to park

their foreign income earned outside India.

19. Types of Loans

1. SYNDICATE LOAN

A Syndicated Loan, also known as a

Syndicated Bank facility, is a loan offered by a

group of lenders referred to as a Syndicate

who work together to provide funds for a

single borrower.

2. BRIDGE LOAN

A bridge loan is a type of short-term loan,

typically taken out for a period of 2 weeks to

3 years pending the arrangement of larger or

longer-term financing.

3.TEASER LOAN

A teaser loan is usually an Adjustable-Rate

Mortgage (ARM) with an artificially low initial

interest rate.

4. STUDENT LOAN

Student loans are offered to college students

and their families to help cover the cost of

higher education.

5. MORTGAGES

Mortgages are loans distributed by Banks to

for upfront. A mortgage is tied to your home,

meaning you risk foreclosure if you fall behind

on payments. Mortgages have among the

lowest interest rates of all loans.

6. PERSONAL LOANS

Personal loans can be used for any personal

purpose. This makes them an attractive

option for people with outstanding debts,

such as credit card debt, who want to reduce

their interest rates by transferring balances.

7. LOANS FOR VETERANS

The Department of Veterans Affairs (VA) has

lending programs available to veterans and

their families. With a VA-backed home loan,

money does not come directly from the

administration.

8. SMALL BUSINESS LOANS

Small Business Loans are granted to

entrepreneurs and aspiring entrepreneurs to

help them start or expand a business.

9. PAYDAY LOAN

Payday loans are short-term, high-interest

loans designed to bridge the gap from one

pay check to the next, used predominantly by

repeat borrowers living pay check to pay

check.

10. CONSOLIDATED LOAN

A consolidated loan is meant to simplify your

finances. Simply put, a consolidate loan pays

off all or several of your outstanding debts,

particularly credit card debt.

11. CASH ADVANCES

A cash advance is a short-term loan against

your credit card. Instead of using the credit

card to make a purchase or pay for a service,

you bring it to a Bank or ATM and receive


27

cash to be used for whatever purpose you

need.

12. HOME EQUITY LOANS

Home Equity Loans and Home Equity Lines of

a source of collateral so interest rates are

considerably lower than credit cards.

13. LIFE INSURANCE

Those with retirement funds or life insurance

plans may be eligible to borrow from their

accounts.

14. AUTO LOAN

This type of loan may be distributed by a Bank

or by the car dealership directly, but you

should understand that while loans from the

dealership may be more convenient, they

often carry higher interest rates and

ultimately cost overall more.

20. Banking Ombudsman Scheme

The Banking Ombudsman Scheme is an

expeditious and inexpensive forum for bank

customers for resolution of complaints

relating to certain services rendered by Banks.

The Banking Ombudsman Scheme is

introduced under Section 35 A of the Banking

Regulation Act, 1949 by RBI with effect from

1995. Presently the Banking Ombudsman

Scheme 2006 (as amended up to July 1, 2017)

is in operation.

21. Money Market

It is the trade in short-term loans between

banks and other financial institutions.

Usually, financial instruments with high

liquidity and short-term maturities are

traded.

Few instruments of Money Market are:

1. Call Money - Is the money loaned by a bank

or other institution which is repayable on

demand for 1 day. Call money does not have a

fixed schedule, nor does the lender need to

provide any notice of repayment.

Period - 1 day

2. Notice Money - The money that is lent for

one day in money market is known as call

money and if it exceeds one day, it is known

as notice money. Period - 2-14 days

3. Term Money - While Call money and notice

money refers to short-term funds (less than 14

days). Period - 15 days - 1 year

4. Certificate of Deposits - It is equivalent to

promissory note and is negotiable. Certificate

of Deposits (CD) is issued in lieu of the funds

deposited at a bank for a specified time. It

was introduced in July 1989, to enable the

banking system to mobilize bulk deposits

from the market.

Minimum amount: 1 lakh; Period: 7 days - 1

year

5. Commercial Papers - Commercial

Paper, introduced in 1990, is issued (sold) by

large corporations to obtain funds to meet

short-term debt obligations and is backed

only by an issuing bank or company promise

to pay the face amount on the maturity date

specified on the note.

Minimum amount: 5 lakhs or its multiples;

Period: 7 days - 1 year

6. Treasury Bills - These are short term

borrowing instruments of the Government

of India. Treasury Bills enable investors to

park their short term surplus funds while

reducing their market risk. They are auctioned

by Reserve Bank of India at regular intervals

and issued at a discount to face value.

Minimum amount: Rs. 25000 or its multiples;

Period: 91 days, 182 days & 364 days.

7. Ways and Means of Advances - is a method

used by Reserve Bank of India (RBI) under its

credit policy by which it helps States banking


28

with it to tide over temporary mismatches in

the cash flow of their receipts and payments.

8. Cash Management Bills - are short term

bills issued by central government to meet its

immediate cash needs. The bills are issued by

the RBI on behalf of the government.

22. Negotiable Instruments Act 1881

A negotiable instrument is a piece of paper

which entitles a person to a sum of money

and which is transferable from one person

to another by mere delivery or by

endorsement and delivery.

According to Section 13 of the Negotiable

Instruments Act, "A negotiable instrument

means a promissory note, bill of exchange

or cheque payable either to order or to

bearer.

The new Negotiable Instruments

Amendment Bill provides for interim

compensation to the complainant to the

tune of 20% of cheque amount.

1. Promissory Note - is a financial instrument

that contains a written promise by one party

(the note's issuer or maker) to pay another

party (the note's payee) a definite sum of

money, either on demand or at a specified

future date

2. Bill of Exchange - is like promissory note

and is a written order used primarily in

international trade that binds one party to pay

a fixed sum of money to another party on

demand or at a predetermined date.

3. Cheque - is a document (written on a

specially printed form) that orders a bank to

pay a specific amount of money from a

person's account to the person in whose

name the cheque has been issued.

Types of Cheques

Type Description

Order

Cheque

This is a cheque which is

payable to a particular person

or his order. In this cheque the

cheque is cancelled.

Bearer

Cheque

This cheque is payable to a

person whosoever bears.

Bearer cheque sometimes can

bearer or made payable to a

specific name

Blank

Cheque

In this type of cheque, the

drawer puts his signature and

leaves all other columns blank

Counter

cheque

This cheque requires MICR

encoded to be handled by

their clearing houses. It was

common for banks, especially

in small towns, to issue

cheque to customers which

were not personalized other

than the name of the bank.

Stale

Cheque

Is a cheque presented at the

paying bank after almost 3

months of its payment date.

Mutilated

Cheque

Is a cheque that is torn into

two or more pieces

Post Dated

Cheque

Is a cheque that a bear a date

later than the date of issue.

Open

Cheque

Is a cheque that is not a

crossed. The person whose

name appears on the cheque

can write the name of another

person on it and the money

will be paid to him.

Crossed

Cheque

Is a cheque having two short

parallel lines marked across its

face.

Gift Cheque is a cheque in a decorative

form issued for a small extra

charge by the banks for use by

customers who wish to give

presents of money on special

occasions.

This cheque is issued by a


29

Cheque bank for remittance of money

from one place to another.

Self-cheque is a cheque written by the

account holder as pay self to

receive the money in the

physical form from the branch

where he holds his account.

Bankers

Cheque

It is an instrument issued by

the bank on behalf of

customer containing an order

to pay a certain sum to a

specified person within the

city.

Outstanding

cheque

Is a cheque which has been

written and therefore has been

ledgers, but which has not

been presented for payment

and so has not been debited

account

23. Endorsements

• Endorsement has various definitions

depending on the context of its use.

• For example, a signature authorizing

the legal transfer of a negotiable

instrument between parties is an

endorsement.

• As per Section 15 of Negotiable

Instrument Act, 1881 endorsing means

signing on the face or backside of an

instrument (or even on a paper called

Allonge or stamped paper), for

negotiating (transferring to next

person) a negotiable instrument.

• Endorsements can be an amendment

to a contract or document such as a

life insurance policy or a driver's

license.

• A public declaration of support for a

person, product, or service is also an

endorsement.

24. Financial Inclusion

Financial inclusion basically means making

credit, banking and financial services &

products accessible to:

(1) Weaker section and low-income group

(2) People residing in remote or rural areas

and villages.

It also includes:

1. Promoting healthy banking habits of

investment, money-saving, insurance, etc.

among these groups.

2. Making loans available for these groups at

reasonable rates. To save them from cruel and

exploitative moneylenders.

Types of Financial Inclusion:

Financial inclusion aims to take care people

who fall in 2 types of groups:

1. Low Income section in Urban Areas

2. Low Income section in Rural Areas

So, to carry out financial inclusion

successfully, some important initiatives taken

are:


30

Fig: Financial Inclusion Initiatives

LBS (Lead B anking Scheme)

Started: 1969 by RBI

Recommended by: Gadgil Study Group &

Nariman Committee.

Aim: Bridging the gap left by absence of

commercial banks in rural areas.

Implementation: A public or private bank was

allotted an area (district) in which that bank

had to play a lead role in providing financial

services to the people, making them aware

about the banks and various benefits of banks

and generating trust among people so they

deposit their money without any fear of loss

or fraud.

Points to Remember:

(1) Every district in the country is now allotted

to a bank.

(2) The lead bank to whom a district is

allotted, is responsible for coordination of

activities and services of all financial

institutions in that area.

(3) A Lead Bank Officer (LBO) now called

Lead District Manager is also appointed, who

takes care of all concerned activities.

ittees

at state level coordinate and implement

programmes and policies by financial

institutions operating in States.

No Frills Account


Recommendation by: Rangarajan Committee

Aim: Simplified KYC norms and either nil or

very low minimum balance to help low

income groups maintain bank accounts.

Implementation: However, all the existing

-

into BSBDA (Basic Savings Bank Deposit

Accounts).

BSBDA Account


Aim: To extend benefits of no-frills account to

common man.

Implementation: Applicable to all scheduled

commercial banks in India including Foreign

Banks having branches in India.

Points to Remember:

(1) A BSBDA account is like a savings bank

account (that any person 10+ years in age) can

open. Services available with BSBDA account

are: Deposit and withdrawal, transfer funds,

cheque facility, passbooks, ATM cards and

number of withdrawals to 4 using any mode in

a month.

(2) A BSBDA account can be opened in any

commercial bank and even in foreign banks.

But a person having BSBDA account in a bank

cannot have a savings account in the same

bank.

(3) A person already having savings account

can open a BSBDA in the same bank. But

he/she will have to close the savings account

within 30 days from the date of opening of

BSBDA.

(4) While there will be no limit on number of

deposits that can be made in a month,

account holders will be allowed a maximum of

four withdrawals in a month, including ATM

withdrawals.

(5) Accounts enjoying additional facilities

under the reasonable pricing structure for

value added services, exclusively for BSBDA

customers should not be treated as BSBDAs.



31

BSBDA-Small Account:

If a customer wants to open an account

without KYC norms, then also a bank

account can be opened for him but that will

be treated as BSBDA-Small Account with

conditions as:

1. Total credits in such accounts

should not exceed 1 lakh rupees in

a year.

2. Maximum balance in the account

should not exceed fifty thousand

rupees at any time.

3. In a month, the total of cash

withdrawals and transfers cannot

exceed Rs 10,000.

4. Foreign remittances cannot be

credited to Small Accounts without

completing normal KYC

formalities.

5. Small accounts are valid for a

period of 12 months initially which

may be extended by another 12

months if the person provides

proof of having applied for an

Officially Valid Document.

6. Small Accounts can only be opened

at Core Banking System (CBS)

linked branches of banks or at such

branches where it is possible to

manually monitor the fulfilments of

the conditions.

Pradhan Mantri Jan Dhan Yojana

Prime Minister's People's' Wealth Scheme is a

government scheme that aims to expand and

make affordable access to financial services

such as bank accounts, remittances, credit,

insurance and pensions.

Business Correspondence is exchange of

information in a written format for the

process of business activities that can take

place between organizations, within

organizations or between the customers and

the organization.

Business Correspondence includes

individuals, NGOs, SHGs, NBFCs, Payment

Banks and so on.

White Label ATMs

Automated Teller Machines (ATMs) setup,

owned and operated by non-bank entities are

Tata Communications Payment Solutions

(TCPS), started 1st white label ATM (WLA) at

Chandrapada, a tier-V town near Mumbai

Government has allowed 100% FDI in White

Labelled ATM operations since 2015.

Self-Help Group

SHGs have their origin from the Gramin Bank

of Bangladesh which was founded in 1975 by

the economist Prof. Mohammad Yunus of

Chittagong University.

SHG-Bank Linkage Programme was started

based on recommendation

of S K Kalia Committee.

SHG - Bank Linkage was started in 1992 under

the guidelines of NABARD and Reserve Bank

of India.

It is a village-based financial intermediary

committee comprising of 10 20 local women

or men.

25. Capital Market

Capital market is a platform where

investors and buyers get into trade of

financial securities such as bonds, stocks,

etc.

1. IPO - Stands for Initial Public Offering. It is a

term used when a private company or

corporation raises investment capital by

offering its stock to the public for the first

time.

2. FPO - Stands for Follow on Public Offer. It

is a process by which an already

listed company on an exchange issues new

shares to the investors or the existing

shareholders, usually the promoters.

3. Right Issue - It is an invitation to existing

shareholders to purchase additional new

shares in the company.

4. ADR - Stands for American Depository

Receipt. It is a negotiable certificate issued by


32

a U.S. bank that represents a specified

number of shares (or one share) in a foreign

stock traded on a U.S. exchange. Negotiable

means its price is not firmly established, and

therefore its ownership is easily transferable.

5. GDR - Stands for Global Depository Receipt

(GDR). It is a bank certificate issued in more

than one country for shares in a foreign

company. The shares are held by a foreign

branch of an international bank.

6. IDR - International Depository Receipt is a

negotiable certificate that a bank issue. It is

also known as ADR in U.S.A. In Europe, IDRs

are known as Global Depository Receipts, and

trade on the London, Luxembourg and

Frankfurt exchanges.

7. NSDL - Stands for National Securities

depository and refers to the organization

meant for holding and safeguarding the

securities that are traded in the securities

market.

8. CDSL - Central Depository Services Limited

is a depository service that works for the

Bombay Stock Exchange (BSE). Its primary

function is to hold securities either in

certificated or uncertificated (dematerialized)

form and enable the book-entry transfer of

securities up to 500 shares in physical form.

CDSL is promoted by the State Bank of India

(SBI), Bank of India, Bank of Baroda, HDFC

Bank, Standard Chartered Bank, Axis Bank

and the Union Bank of India.

9. Debenture - It is a type of debt instrument

that is not secured by physical assets or

collateral. Corporations and governments

frequently issue this type of bond to secure

capital. These are usually documented in an

indenture.

10. BSE - The Bombay Stock Exchange was

established by Premchand Roychand in 1875.

stock exchange and claims to

be the world's fastest stock exchange, with a

median trade speed of 6 microseconds.

11. Sensex - It is the benchmark index of the

Bombay Stock Exchange (BSE) and is also

known as S&P. It is composed of 30 of the

largest and most actively-traded stocks on the

BSE, providing an accurate gauge of India's

economy.

12. NSE - The National Stock Exchange of

demutualized electronic exchange.

13. Nifty - Like Sensex, Nifty is a major stock

index introduced by the NSE in India. The

the index consists of 50 actively traded stocks

from various sectors.

14. OTCEI - The Over-The-Counter Exchange

Of India (OTCEI), founded in 1990 is an

electronic stock exchange that consists of

small- and medium-sized firms aiming to gain

access to the capital markets like electronic

exchanges in the U.S. such as the Nasdaq.

There is no central place of exchange, and all

trading occurs through electronic networks.

The OTCEI is no longer a functional exchange

as the same has been derecognised by SEBI

vide its order dated 31 Mar 2015.

15. Commodity Market - It is a physical or

virtual marketplace for buying, selling and

trading raw or primary products. There are

about 50 major commodity markets

worldwide that facilitate investment trade in

approximately 100 primary commodities.

16. MCX - The Multi Commodity Exchange of

India Ltd. was established in 2003 and is an

independent commodity exchange. It is

India's largest commodity derivatives

exchange where the clearance and

settlements of the exchange happen.

17. NCDEX - National Commodity &

Derivatives Exchange Limited is an online

commodity exchange based in India.

18. Derivatives - It is a contract between two

or more parties based upon the asset or

assets. Its price is determined by fluctuations

in the underlying asset. The most common

underlying assets include stocks, bonds,

commodities, currencies, interest rates and

market indexes.

Forward

Contract

It is a private agreement

between two parties giving the

buyer an obligation to


33

purchase an asset (and the

seller an obligation to sell an

asset) at a set price at a future

point in time.

Future

Contract

It is a contract for assets

(especially commodities or

shares) bought at agreed

prices but delivered and paid

for later.

Option It is a contract, or a provision

of a contract, that gives one

party (the option holder) the

right, but not the obligation to

perform a specified

transaction with another party

(the option issuer or option

writer) according to specified

terms.

- Call Option: This option

provides the holder the right

(but not the obligation) to

purchase an underlying asset

at a specified price (the strike

price), for a certain period.

- Put Option: This option gives

the holder the right to sell an

underlying asset at a specified

price (the strike price).

SWAP It is a derivative contract

where two parties exchange

financial instruments.

17. Mutual Fund - It is an investment vehicle

made up of a pool of money collected from

many investors for investing in securities such

as stocks, bonds, money market instruments

and other assets. Mutual Funds are regulated

in India by SEBI.

The most popular types of mutual funds in

India are -

• Equity funds

• Debt funds

• Money market funds

• Index funds

Net asset value (NAV) represents a funds per

share market value. NAV is the sum of the

market value of all the shares held in the

portfolio divided by the total number of units

outstanding.

Close Ended

Scheme

Open Ended

Scheme

A scheme where

funds are raised

for a fixed period

and is wound up

after a certain

period.

It is available for

subscription and

repurchase on a

continuous basis

and do not have a

fixed maturity

period.

26. Basel Norms

- The Basel accord are a set of agreements

set by Basel Committee on Banking

Supervision (BCBS) which provides

recommendation on banking regulation

with respect to capital risk, market risk and

operational risk.

- The BCBS's secretariat is located at Bank

of International Settlements in Basel,

Switzerland.

- The purpose of this accord is to ensure

that financial institutions have enough

capital to meet obligations and absorb

unexpected stress.

Capital Adequacy Ratio:

Basel Norms I

It divides the asset account to risk in 5

categories:-

1. 0% Risk

2. 10% Risk

3. 20% Risk

4. 50% Risk

5. 100% Risk

Basel Norms II

The 3 main pillars of the Basel Norms II are:

- Minimum Capital requirement

- Supervisory Review


34

- Market discipline

India adopted Basel-II in 2009.

Basel Norms III

- RBI extended the timeline for fully

implementation of Basel-III capital regulation

by a year to March 31st, 2019.

- Indian government estimated the total Risk

Weighted Assets till 2019 will be 120 lakh

crore Rupees and where CAR is minimum 9%.

27. List of International Airports in India

Airports

Name City

State / Union

Territory

Veer Savarkar

International

Airport

Port Blair

Andaman and

Nicobar

Islands

Visakhapat-

nam Airport

Visakha-

patnam

Andhra

Pradesh

Lokpriya

Gopinath

Bordoloi

International

Airport

Guwahati Assam

Gaya Airport Gaya Bihar

Indira Gandhi

International

Airport

New Delhi Delhi

Goa

International

Airport

Whole

state Goa

Sardar

Vallabhbhai

Patel

International

Airport

Ahmed-

abad

Gujarat

Kempegowda

International

Airport

Bengaluru Karnataka

Mangalore

International

Airport

Manga-

lore

Karnataka

Cochin

International

Airport

Kochi Kerala

Calicut

International

Airport

Calicut Kerala

Trivandrum

International

Airport

Thiruvan-

anthap-

uram

Kerala

Chhatrapati

Shivaji

International

Airport

Mumbai Maharashtra

Dr. Babasaheb

Ambedkar

International

Airport

Nagpur Maharashtra

Pune Interna-

tional Airport Pune Maharashtra

Tulihal Airport Imphal Manipur

Biju Patnaik

International

Airport

Bhuban-

eswar Odisha

Sri Guru Ram

Dass Jee Amritsar Punjab


35

International

Airport

Jaipur

International

Airport

Jaipur Rajasthan

Rajiv Gandhi

International

Airport

Hydera-

bad Telangana

Tiruchirappalli

International

Airport

Tiruchira-

palli Tamil Nadu

Chennai

International

Airport

Chennai Tamil Nadu

Coimbatore

International

Airport/Civil

Aerodrome

Coimbato

re Tamil Nadu

Guru Ram

dass ji Amritsar Punjab

International

Airport

Chandigarh

International

Airport

Chandi-

garh Punjab

Chaudhary

Charan Singh

Airport

Lucknow Uttar Pradesh

Lal Bahadur

Shastri Airport Varanasi Uttar Pradesh

Netaji

Subhash

Chandra Bose

International

Airport

Kolkata West Bengal

28. List of Revolutions in India

Revolution Product

Black Revolution Petroleum Product

Blue Revolution Fish Production

Brown Revolution Leather, Cocoa

Golden Fibre

Revolution

Jute Production

Golden Revolution Overall Horticulture,

Honey, Fruit

Production

Green Revolution Agriculture

Production

Grey Revolution Fertilizers

Pink Revolution Onions, Prawn

Red Revolution Meat, Tomato

Production

Evergreen

Revolution

overall agriculture

production growth

Round Revolution Potato Production


36

Silver Fibre

Revolution

Cotton Production

Silver Revolution Egg Production

White Revolution Dairy, Milk

Production

Yellow Revolution Oil Seed Production

Round Revolution Potato

29. Indian & International Bank Taglines

Indian Banks and their Taglines

Banks HQ Tagline

State Bank

India

Mumbai The Banker to

Every Indian

Axis Bank Mumbai Badhti ka Naam

Zindagi

Bank of

India

Mumbai Relationship

Beyond Banking

Central

Bank of

India

Mumbai Central to You

Since 1911

Dena Bank Mumbai Trusted Family

Bank

HDFC Bank Mumbai We Understand

your World

IDBI Bank Mumbai Banking for all/

Aao Sochein

Bada

ICICI Bank Mumbai Hum hai na,

Khayal Apka

IDFC Bank Mumbai Banking Hatke

IndusInd

Bank

Mumbai We Make you

Feel Richer/We

Care; Dil Se

Kotak

Mahindra

Bank

Mumbai Let's Make

Money Simple

Yes Bank Mumbai Experience Our

Expertise

Bank of

Maharashtra

Pune Ek Parivar ek

Bank/One

Family One Bank

Allahabad

Bank

Kolkata A Tradition of

Trust

Bandhan

Bank

Kolkata Aapka Bhala

Sabki Bhalai

United Bank

of India

Kolkata The Bank that

U

UCO Bank Kolkata Honors your

Trust

Union Bank

of India

Mumbai Good People to

Bank with

Punjab

National

bank

New

Delhi

The Name You

Can Bank Upon

Punjab and

Sind Bank

New

Delhi

Where Service is

a Way of Life

Canara

Bank

Bengalur

u

Together We

Can

Vijaya Bank Bengalur

u

A Friend You

Can Bank Upon

Syndicate

Bank

Manipal Faithful and

Friendly

Corporation

Bank

Mangalo

re

Prosperity for all

Karnataka

Bank

Mangalo

re

Your Family

Bank, Across

India

Indian Bank Chennai Your Own Bank

Indian

Overseas

Bank

Chennai Good People to

Grow With

Lakshmi

Vilas Bank

Chennai The Changing

Face of

Prosperity

South Indian

Bank

Kerala Experience Next

Generation

Banking

Andhra

Bank

Hyder-

abad

Where India

Banks

Bank of

Baroda

Vado-

dara International

Bank

Citi Union

bank

Tamil

Nadu

Trust and

Excellence since

1904

Karur Vysya

Bank

Tamil

Nadu

Smart Way to

Bank

Oriental Guru- Where Every


37

Bank of

Commerce

gram,

Haryana

Individual is

Committed

Federal

bank

Kochi Your Perfect

Banking Partner

International Banks and their Taglines

Bank Tagline

American

Express Bank

Do More

BNP Paribas The Bank for a Changing

World

Barclays Bank Fluent in Finance

Citi Bank Get it Done / The

Citi Never Sleeps

DBS Bank Living, Breathing Asia

Deutsche Bank A Passion to Perform

HSBC Bank

JPMorgan

Chase Bank

The Right Relationship is

Everything

Royal Bank of

Scotland

Make It Happen

Scotia Bank Richer Than You

Think

Standard

Chartered Bank

Your Right Partner

30. Union Cabinet Ministers & their Constituency

Department Ministers Constituenc

y

Ministry of

Personnel, Public

Grievances and

Pensions,

Ministry of

Atomic Energy,

Ministry of Space

All Important

Policy Issues, All

Other Portfolios

not allocated to

any Minister

Narendra

Modi

Varanasi,

Uttar

Pradesh

Ministry of Home

Affairs

Rajnath

Singh

Lucknow,

Uttar

Pradesh

Ministry of

External Affairs

Sushma

Swaraj

Vidisha,

Madhya

Pradesh

Ministry of Road

Transport &

Highways,

Ministry of

Shipping,

Ministry of Water

Resources, River

Development and

Ganga

Nitin

Jairam

Gadkari

Nagpur,

Maharashtra

Rejuvenation

Minister without

portfolio

Arun

Jaitley

Gujarat,

Rajya Sabha

Ministry of

Minority Affairs

Mukhtar

Abbas

Naqvi

Jharkhand,

Rajya Sabha

Minister of

Commerce and

Industry

Ministry of Civil

Aviation(Addition

al charge)

Suresh

Prabhu

Andhra

Pradesh,

Rajya Sabha

Ministry of

Human Resource

Development

Prakash

Javadekar

Madhya

Pradesh,

Rajya Sabha

-Minister of Law

and Justice

-Minister of

Electronics

and Information

Technology

Ravi

Shankar

Prasad

Bihar - Rajya

Sabha

Minister of

Statistics and

Programme

Implementation

D.V.

Sadanand

a Gowda

Bangalore

North,

Karnataka

Minister of Uma Jhansi, Uttar


38

Drinking Water

and Sanitation

Bharti Pradesh

Ministry of

Consumer Affairs

& Food & Public

Distribution

Ram Vilas

Paswan

Hajipur,

Bihar

-Ministry of

Railways Minister

of Coal

-Ministry of

Finance

(Additional

Charge)

-Ministry of

Corporate Affairs

Piyush

Goyal

Deoria, Uttar

Pradesh

Ministry of

Women & Child

Development

Maneka

Sanjay

Gandhi

Pilibhit,

Uttar

Pradesh

-Ministry of

Chemicals and

Fertilizers

-Minister of

Parliamentary

Affairs

Ananth-

kumar

Bangalore,

South

Karnataka

Ministry of Steel Vishnu

Deo Sai

Raigarh

Chhattis-

garh

Ministry of Health

& Family Welfare

Jagat

Prakash

Nadda

Himachal

Pradesh,

Rajya Sabha

Ministry of Heavy

Industries and

Public Enterprises

Anant

Geete

Raigad,

Maharashtra

Ministry of Food

Processing

Industries

Harsimrat

Kaur

Badal

Bathinda,

Punjab

-Ministry of Rural Narendra Gwalior,

Development,

Ministry of

Panchayati Raj, -

Ministry of Mines

Singh

Tomar

Madhya

Pradesh

Ministry of Social

Justice &

Empowerment

Thawar

Chand

Gehlot

Madhya

Pradesh,

Rajya Sabha

Ministry of Tribal

Affairs

Jual Oram Sundargarh,

Odisha

Ministry of

Agriculture and

Farmers Welfare

Radha

Mohan

Singh

Purvi

Champaran,

Bihar

Minister of

Textiles

Smriti

Zubin

Irani

Gujarat,

Rajya Sabha

Ministry of

Agriculture and

Farmers Welfare

Radha

Mohan

Singh

Purvi

Champaran,

Bihar

-Ministry of

Petroleum and

Natural Gas, -

Minister of Skill

Development and

Entrepren-

eurship.

Dharmen-

dra

Pradhan

Deogarh,

Orissa

-Ministry of

Science and

Technology,

-Ministry of Earth

Science,

-Ministry of

Environment,

Forest and

Climate Change

Harsh

Vardhan

Chandni

Chowk,

Delhi

Ministry of

Defence

Nirmala

Sitharama

n

Rajya

Sabha,

Karnataka

31. Census 2011

The Indian Census 2011 was referred to as

the seventh census operation after Indian

Independence. The national census 2011

has been run on all the 28 states of the

country and the seven Union Territories.

There have been surveys on cities and


39

districts as well. The data of Indian census

2011 covers all the major aspects of society

like population, sex ratio and literacy

percentage as well. In any government

point of view the topic is very important.

Here are some highlights on census

• First census was conducted in 1872.

• Census 2011 were released in New Delhi

on 31st March 2011 by Union Home

Secretary GK Pillai and RGI C

Chandramouli.

• Census 2011 was the 15th census of India

& 7th census after Independence.

• Total estimated cost of the Census was

INR 2200 crore (US$350 million).

• Total Population estimated - 1,210,569,573

(1.21 Billion).

• India in 2nd rank in population with

17.64%. decadal growth & China is 1st

rank with decadal growth 19% (over 1.35

billion).

• Total male Population - [Males - 623.7

million (51.54%)].

• Total Females Population - 586.46 million

(48.46%).

• Highest Populated State - Uttar Pradesh

followed by Maharashtra and Bihar.

• Least Populated State - Sikkim

• Highest Populated Union territory - New

Delhi

• Least populated Union Territory -

Lakshadweep followed by Daman and Diu

• Highest Urban population In India-

Maharashtra 4,11,00,980

• Lowest urban Population in India -

Lakshadweep 26,967

• Highest Rural Population in India - Uttar

Pradesh 13,16,58,339

• Lowest Rural Population in India (state &

UT)- Lakshadweep 33,683

Sex Ratio (Females per 1000 Males)- 943 :

1000

Sex Ratio State

Sex Ratio (Females per

1000 Males)

Kerala (1084)

Lowest sex ratio Haryana (879)

Highest sex ratio in UT Pondicherry

(1037)

Lowest sex ratio in UT Daman and Diu

(618)

Child (0-6 years) sex ratio 914

Highest child (0-6) sex

ratio in state

Mizoram (971)

Lowest child (0-6) sex

ratio in state

Haryana (830)

Literacy Rate in India

Males 82.14%

Females 65.46%

Highest Literacy

Rate in State

Kerala (94%)

Lowest Literacy

Rate in State

Bihar (61.8%)

Highest Literacy

Rate in UT

Lakshadweep (91%)

Lowest Literacy

Rate in UT

Dadra and Nagar Haveli

(76.24%

32. List of Important Rivers on Cities



40

Name of the

River

Name of the City

Alaknanda Badrinath

Bhadra Bhadravathi

Brahmani Rourkela

Brahmaputra Dibrugarh

Guwahati

Chambal Kota

Gwalior

Cooum, Adyar Chennai

Daman Ganga

River

Daman

Ganga Mirzapur

Ganga, Yamuna

& Saraswati

Allahabad

Ganges

Bhagalpur

Haridwar

Kanpur

Patna

Varanasi

Farrukhabad

Fatehgarh

Kannauj

Kanpur Cantonment

Shuklaganj

Chakeri

Hajipur

Ghataprabha Bagalkot

Girna River Malegaon

Godavari Rajahmundry

Nashik

Nanded

Nizamabad

Gomti Jaunpur

Lucknow

Hugli Kolkata

Jhelum Srinagar

Kali Karwar

Kaveri Tiruchirapalli

Erode

Krishna Vijayawada

Sangli

Mahanadi Banki

Cuttack

Mahanadi Sambalpur

Narmada Jabalpur

Bharuch

Netravati,

Gurupura

Mangalore

Noyyal Coimbatore

Panchaganga Kolhapur

Pennar Nellore

Rapti Gorakhpur

Sabarmati Ahmedabad

Saryu Ayodhya

Savitri Mahad

Sharavathi Honnavar

Shipra Ujjain

Sutlej Ferozepur

Tapi Surat

Tungabhadra Koodli

Ulhas Karjat

Vaigai Madurai

Vishwamitri Vadodara

Vrishabhavathi Bangalore

Yamuna

Agra

New Delhi

Mathura

Auraiya

Etawah

33. List of Major Ports in India

Name of the Sea

Ports

Coast State

Kandla Western

Coast

Gujarat

Mumbai Western

Coast

Maharashtra

Jawaharlal Nehru Western

Coast

Maharashtra

Marmugoa Western

Coast

Goa

Mangalore Western

Coast

Karnataka

Cochin Western

Coast

Kerala

Haldia Eastern

Coast

West Bengal

Paradip Eastern

Coast

Odisha

Vishakhapatnam Eastern

Coast

Andhra

Pradesh

Chennai Eastern

Coast

Tamil Nadu

Ennore Eastern

Coast

Tamil Nadu

Tuticorin Eastern Tamil Nadu


41

Coast

34. Major Atomic/Thermal/Hydro Power Plants

There are 3 major resources through which

Power Station runs in India.

1. Nuclear Power Plants

2. Thermal Power Plants

3. Hydropower Plants

Nuclear Power Plant in India

Nuclear power stations are the fourth-largest

source of electricity in India after Thermal,

Hydroelectric and Renewable sources of

electricity. As of 2016, India has 21 nuclear

reactors in 7 Nuclear Power plants. Some

Nuclear Power plants are under construction

and some are planned projects which will be

implemented in future.

Atomic Power Station State

Narora Nuclear Power plant Uttar

Pradesh

Rawatbhatta Nuclear Power

plant

Rajasthan

Kakarpar Nuclear Power plant Gujarat

Kaiga Nuclear Power plant Karnataka

Kundankullam Nuclear Power

plant

Tamil Nadu

Kalpakkam Nuclear Power

plant

Tamil Nadu

Tarapur Nuclear Power plant Maharashtra

Rajasthan Atomic Power

Station

Rajasthan

Thermal Power Plant in India

Thermal power is the largest source of

power in India. There are different types of

Thermal power plants based on the fuel

used to generate the steam such as coal,

gas, and Diesel. About 65% of electricity

consumed in India are generated by

thermal power plants.

Thermal Power Station State

Singrauli Thermal Power

Plant

Madhya

Pradesh

Ramagundam Thermal

Power Plant

Andhra

Pradesh

Dadri Thermal Power plant Uttar Pradesh

Talcher Thermal Power

plant

Odisha

Korba Thermal Power plant Chhattisgarh

Vindhyachal Thermal Power

plant

Madhya

Pradesh

Farakka Thermal Power

plant

West Bengal

Mudra Thermal Power plant Gujarat

Sipat Thermal Power plant Chhattisgarh

Rihand Thermal Power plant Uttar Pradesh

Jharsuguda Thermal Power

plant

Odisha

Tiroda Thermal Power plant Maharashtra

Anpara Thermal Power

plant

Uttar Pradesh

Barauni Thermal Power

plant

Bihar

Bellary Thermal Power plant Karnataka

Durgapur Thermal Power

plant

West Bengal

Sikka Thermal Power plant Gujarat

Satpura Thermal Power

plant

Madhya

Pradesh

Wanakbori Thermal Power

plant

Gujarat

Obra Thermal Power plant Uttar Pradesh

Udupi Thermal Power plant Karnataka

Simhadri Thermal Power

plant

Andhra

Pradesh

Hydropower Plant in India

Hydropower is one of the oldest and widely

used renewable sources of energy. India is

the 7th largest producer of hydroelectric

power in the world and ranks 3rd

worldwide by its total number of dams.

Hydropower

Station

City State

Koyna Hydro

Electric Power

plant

Koyna Maharashtr

a

Hirakund Hydro

Electric Power

plant

Mahanadi Odisha


42

Idukki Hydro

Electric Power

plant

Periyar Kerala

Nagarjuna

Hydro Electric

Power plant

Krishna Andhra

Pradesh

Tehri Hydro

Electric Power

plant

Bhagirathi Uttarakhan

d

Bhakra Nangal

Hydro Electric

Power plant

Sutlej Himachal

Pradesh

Sardar Sarovar

Hydro Electric

Power plant

Narmada Gujarat

Nathpa Jhakri

Hydro Electric

Power plant

Sutlej Himachal

Pradesh

Srisailam Hydro

Electric Power

plant

Krishna Andhra

Pradesh

Indirasagar

Hydro Electric

Power plant

Narmada Madhya

Pradesh

Sharavathi

Hydro Electric

Power plant

Sharavathi Karnataka

Dehar Hydro

Electric Power

plant

Beas Himachal

Pradesh

Kalinadi Hydro

Electric Power

plant

Kalinadi Karnataka

Teesta Hydro

Electric Power

plant

Teesta Sikkim

Baira-Siul

Hydro Electric

Power plant

Baira Himachal

Pradesh

Salal Hydro

Electric Power

plant

Chenab Jammu and

Kashmir

Machkund

Hydro Electric

Power plant

Machkund Andhra

Pradesh,

Orissa

Balimela Hydro

Electric Power

plant

Sileru Odisha

Subarnarekha

Hydro Electric

Power plant

Subarnarekh

a

Jharkhand

Shivanasamudr

a Hydro

Electric Power

plant

Kaveri Karnataka

Loktak Hydro

Electric Power

plant

Leimtak Manipur

Rihand Hydro

Electric Power

plant

Rihand Madhya

Pradesh,

Uttar

Pradesh

Rangit Hydro

Electric Power

plant

Rangit Sikkim

Bansagar Hydro

Electric Power

plant

Sone Madhya

Pradesh

Uri Hydro

Electric Power

plant

Jhelum Jammu and

Kashmir

35. List of upcoming Sports Venues

Asian Games

Asian Games 2018 is a Pan India Multi

Continental Event will be the 18th Asian

Games which will going to be schedule from

18th August 2nd September 2018. The Game

is also known as Jakarta Palembang 2018.

Sports Venue 2014- Incheon, South Korea

Sports Venue 2018- Jakarta, Palembang,

Indonesia


43

Sports Venue 2022- Hangzhou, China

Commonwealth Games

The Commonwealth Games are an

international multi-sport event involving

athletes from the Commonwealth of Nations.

The event was first held in 1930 and has taken

place every four years since then.

Venue of CWG 2014 - Glasgow, Scotland

Venue of CWG 2018 Gold Coast,

Australia

Venue of CWG 2022- Birmingham,

England

Olympics Games

The Winter Olympic Games is a major

international sporting event held once every

four years for sports practised on snow and

ice. The first Winter Olympics, the 1924

Winter Olympics, were held in Chamonix,

France.

Summer Olympic Venue

Venue of Olympics 2016 Rio De Janeiro,

Brazil

Venue of Olympics 2020 Tokyo, Japan

Venue of Olympics 2024 Paris, France

Winter Olympic Venue

Venue of Olympics 2014 Sochi, Russia

Venue of Olympics 2018 PyeongChang,

South Korea

Venue of Olympics 2022 Beijing, China

ICC World Cup

The ICC Cricket World Cup is the

international championship of One Day

International cricket. The event is organised

by the sport's governing body, the

International Cricket Council, every four

years.

Venue of ICC World Cup 2015 - Australia,

New Zealand

Venue of ICC World Cup 2019 - England,

Wales

Venue of ICC World Cup 2013 - India

ICC World Cup T20

World Cup 2014 - Bangladesh

World Cup 2016 - India

World Cup 2020 - Australia

Venue of Women World Cup 2013 - India

Venue of Women World Cup 2017 -

England

Venue of Women World Cup 2021 - New

Zealand

s World Cup T20 2014 -

Bangladesh

-

India

Australia

Venue of Hockey World Cup 2010 - New

Delhi, India

Venue of Hockey World Cup 2014 - The

Hague, Netherlands

Venue of Hockey World Cup 2018 -

Bhubaneswar, India

2010 - Rosario, Argentina

2014 - The Hague, Netherland, London

2018 - London, England

FIFA World Cup

Venue of FIFA World Cup 2014 - Brazil

Venue of FIFA World Cup 2018 - Russia

Venue of FIFA World Cup 2022 - Qatar


44

-

Canada

World Cup 2019 -

France

FIFA U 17 World Cup

Venue of FIFA U17 World Cup 2015 -Chile

Venue of FIFA U17 World Cup 2019 India

36. List of Newly Appointed National Officials

• President of India - Mr. Ram Nath

Kovind

• Vice-President of India - Mr. Venkaiah

Naidu

• Prime Minister of India - Mr. Narendra

Modi

• Chief Justice of India - Mr. Dipak

Misra

• Attorney General of India- Mr. K. K.

Venugopal

• Solicitor General of India -

• Supreme Commander of Armed

Forces- President Ram Nath Kovind

• Chief of the Army Staff- Bipin Rawat

• Chief of the Air Staff - Birender Singh

Dhanoa

• Chief of the Naval Staff - Sunil Lanba

• Chairperson of Rajya Sabha - Vice

President Venkaiah Naidu

• Deputy Chairperson of Rajya Sabha -

Mr. P J Kurien

• Speaker of Lok Sabha - Mrs. Sumitra

Mahajan

• Deputy Speaker of Lok Sabha- Mr. M

Thambidurai

• Chief Election Commissioner - Mr.

Achal Kumar Jyoti

• Comptroller and Auditor General of

India - Mr. Rajiv Mehrishi

• Registrar General of India and

Census Commissioner - Mr. Sailesh

• Central Vigilance Commissioner - Mr.

K V Chowdary

• Chief Information Commissioner - Mr.

R K Mathur

• National Security Advisor Mr. Ajit

Kumar Doval

• Chief Economic Advisor - Mr. Arvind

Subramanian

• Principal Scientific Advisor to

Government - K Vijay Raghavan

• Scientific Advisor to Defence Minister

- G Satheesh Reddy

• Cabinet Secretary - Mr Pradeep

Kumar Sinha

• Foreign Secretary - Mr. Vijay Keshav

Gokhale

• Finance Secretary- Mr. Ashok Lavasa

• Revenue Secretary- Mr. Hasmukh

Adhia

• Director General of Border Security

Force (BSF) - Mr. K K Sharma

• Director General of National Security

Guard (NSG) - Sudeep Lakhtakia

• Director General of National

Investigation Agency (NIA) - Mr. YC

Modi

• Director of Intelligence Bureau (IB) -

Mr. Rajiv Jain

• Director of Central Bureau of

Investigation (CBI) - Mr. Alok Verma

• Director of Research Analysis Wing

(RAW) - Mr. Anil Dhasmana

• Director General of Directorate of

Revenue Intelligence - Mr. Debi

Prasad Dash

• Chairperson of Atomic Energy

Commission - Mr. Sekhar Basu

• Chairperson of 21st Law Commission

- Justice B S Chauhan

• Chairperson of 14th Finance

Commission - Dr. Y V Reddy

• Chairperson of National Commission

for Women - Ms. Lalitha

Kumaramangalam

• Chairperson of National Human

Rights Commission - Justice H L

Dattu

• Chairperson of University Grants

Commission (UGC) - Prof. D P Singh,

• Chairperson of UPSC - Mr. Arvind

Saxena

• Chairperson of Indian Space Research

Organisation (ISRO) - Mr. K. Sivan

• Chairperson of Defence Research and

Development Organisation (DRDO) -

Sanjay Mitra

• Chairperson of Atomic Energy

Regulatory Board (AERB) - Mr. Shiv

Abhilash Bhardwaj


45

• Director General of Indian Council of

Agricultural Research (ICAR) - Dr.

Trilochan Mohapatra

• Director General of Council of

Scientific and Industrial Research

(CSIR) - Dr. Girish Sahni

• Governor of Reserve Bank of India

(RBI) - Mr. Urjit Patel

• Chairperson of Central Board of

Direct Taxes (CBDT) - Mr. Sushil

Chandra


Indirect Tax and Customs (CBIC) -

S.Ramesh

• Chairperson of Securities and

Exchange Board of India (SEBI) - Mr.

Ajay Tyagi

• Chairperson of Insurance Regulatory

and Development Authority (IRDA) -

SC Khuntia

• Chairperson of National Bank for

Agriculture and Rural Development

(NABARD) - Mr. Harsh Kumar

Bhanwala

• Chairperson of Central Pollution

Control Board - Mr. S P Singh Parihar

• Chairperson of Railway Board - Mr.

Ashwani Lohani

• Chairperson of Bank Board Bureau

(BBB) - Bhanu Pratap Sharma


Secondary Education (CBSE) - Anita

Karwal

• President of Sahitya Akademi - Dr.

Vishwanath Prasad Tiwari

• Chairperson of Lalit Kala Akademi -

Mr. Uttam Pacharne

• Chairperson of NITI Aayog - PM

Narendra Modi

• Vice Chairperson of NITI Aayog -

Mr. Rajiv Kumar

• Chairperson of Telecom Regulatory

Authority of India (TRAI) - Mr. Ram

Sewak Sharma

•

United Nations Mr. Rajiv Kumar

Chander

• Chairperson of National Green

Tribunal (NGT) - Justice Adarsh

Kumar Goel

37. National Parks & Wildlife Sanctuaries

State National Park Wildlife

Sanctuary

Andaman &

Nicobar

Campbell

National Park

Barren Island

Wildlife

Sanctuary

Sir Hugh

Rose Island

Wildlife

Sanctuary

Andhra

Pradesh

Sri Venkates-

wara National

Park

Papikonda

National Park

Krishna

Wildlife

Sanctuary

Kolleru Lake

Arunachal

Pradesh

Namdapha

National Park

Mouling

National Park

Dibang

Wildlife

Sanctuary

Talley Valley

Wildlife

Sanctuary

Assam Dibru

Saikhowa

Sonai Rupai

Wildlife

National Park

Kaziranga

National Park

Manas

National Park

Orang

National Park

Sanctuary

Pabha

Wildlife

Sanctuary

Dipor Bil

Wildlife

Sanctuary

Bihar Valmiki

National Park

Gautam

Buddha

Wildlife

Sanctuary

Rajgir

Wildlife

Sanctuary

Chhattis-

garh

Indravati

National Park

Guru Ghasidas

National Park

Bhairam-

garh Wildlife

Sanctuary

Goa Bhagwan

Mahavir

National Park

Bondla

Wildlife

Sanctuary


46

Salim Ali Bird

Sanctuary

Gujarat Gir forest

national park

Blackbuck

National Park

Marine

National park

Indian Wild

Ass

Sanctuary

Kutch Desert

Wildlife

Sanctuary

Jammu &

Kashmir

Dachigam

National Park

Hemis

National Park

Karakoram

Wildlife

Sanctuary

Hirpora

Wildlife

Sanctuary

Jharkhand Betla National

Park

Palamau

Wildlife

Sanctuary

Dalma

Wildlife

Sanctuary

Karnataka Anshi National

Park

Bandipur

National Park

Bannerghatta

National Park

Ghatapra-

bha Wildlife

Sanctuary

Bhimgad

Wildlife

Sanctuary

Sharavathi

Valley

Wildlife

Sanctuary

Kerala Periyar

National Park

Anamudi

National Park

Parambi-

kulam

Wildlife

Sanctuary

Malabar

Wildlife

Sanctuary

Madhya

Pradesh

Van Vihar

National Park

Kanha Kisli

National Park

Bori Wildlife

Sanctuary

Ken Gharial

Sanctuary

Gandhi

Fossil National

Park

Bandhavgarh

National Park

Sagar

Sanctuary

Maharashtra Chandoli

National Park

Sanjay Gandhi

National Park

Tadoba

National Park

Pench

National Park

Great Indian

Bustard

Wildlife

Sanctuary

Phansad

Wildlife

Sanctuary

Koyna

Wildlife

Sanctuary

Manipur Keibul Lamjao

National Park

Balphakram

National Park

-

Meghalaya Nokrek

National Park

-

Mizoram Phawngpui

Blue Mountain

National Park

Dampa Tiger

Reserve

Nagaland Intanki

National Park

-

Odisha Bhitarkanika

National Park

Simlipal

National Park

Chilika Bird

Sanctuary

Punjab - Abohar

Wildlife

Sanctuary

Harike Lake

Wildlife

Sanctuary

Rajasthan Desert

National Park

Keoladeo

National Park

Rantham-bore

National Park

Darrah

National Park

Mount Abu

Wildlife

Sanctuary

Sariska Tiger

Reserve

Sikkim Kanchend-

zonga

Kyongnosla

Alpine


47

National Park Wildlife

Sanctuary

Tamil Nadu Gulf of

Mannar

National Park

Palani Hills

National Park

Mudumalai

National Park

Point

Calimere

Wildlife

Sanctuary

Telangana Mahavir

Harina

Vanasthali

National Park

Eturnag-

aram

Wildlife

Sanctuary

Pranahita

Wildlife

Sanctuary

Tripura Bison National

Park

Clouded

Leopard

-

National Park

Uttarakhand Valley of

Flowers

National Park

Rajaji National

Park

Nanda Devi

National Park

Jim Corbett

National Park

-

Uttar

Pradesh

Dudhwa

National Park

Kaimur

Sanctuary

Okhla Bird

Sanctuary

West Bengal Neora

National Park

Buxa Tiger

Reserve

Murti

Wildlife

Sanctuary

38. Important Days

MAY

Date Day Theme

1

May

International

Labour Day

Uniting workers

for social and

economic

advancement

2

May World Asthma Day

Never too early,

Never too late

3

May

World Press

Freedom Day

Keeping power

in check, Media,

Justice and the

rule of law

8

May

World Red Cross

Day

Memorable

smiles from

around the

world

11

May

National

Technology Day

Science and

technology for a

sustainable

future

17

May

International

Telecommuni-

cation Day

Enabling the

positive use of

artificial

intelligence (AI)

to accelerate

the

implementations

of the SDG

22

May

International Day

for Biological

Diversity

Celebrating 25

years of action

for biodiversity

JUNE

5

June

World

Environment Day

Beat plastic

pollution

12

June

World Day against

Child Labour

Generation safe

and healthy

14

June

World Blood Donor

Day

Blood connects

us all

21

June

International Yoga

Day Yoga for peace

26

June

International Day

against Drug

Abuse and Illicit

Trafficking

Listen first -

Listening to

your children

and youth is the

first step to help

them grow

healthy and safe

JULY

1

July GST day


48

11

July

World Population

Day

Family planning

and human

heart

12

July

International

Malala Day -

15

July

World Youth Skills

Day -

26 Kargil Vijay Diwas -

July

28

July

World Hepatitis

day

Eliminate

Hepatitis

29

July World Tiger Day -

39. Joint Military Exercises

Name of

Exercise

Coun-

tries

Place Duratio

n

Coordinat

ed Patrol

(CORPAT

)

India and

Banglade

sh

Chittagon

g,

Banglades

h

Malabar India, US

and

Japan

Guam,

Western

Pacific

Pacific

Ocean.

June 7

to 16

June

Harimau

Shakti

India and

Malaysia

Hulu

Langat

forest,

Malaysia

April

30th to

May

13th

Varuna India and

France

Phase- I:

Mormuga

o Port

Trust

(MPT),Vas

co da

Gama,

Goa

Phase II:

Chennai

coast

Phase-III:

La

Reunion

Island

Surya

Kiran XIII

India and

Nepal

Pithoragar

h, India

Lamitye

VIII

India and

Seychell

es

Mahe,

Seychelle

s

24 Feb -

4 March

Shakti IV India and

France

Mailly le

Camp.

France

31 Jan -

5 Feb

Vajra

Prahar

India and

US

Joint Base

Lewis-

McChord,

United

January

States

Vinbax 1 India and

Vietnam

Jabalpur

in Madhya

Pradesh

30

January

- 3

Februar

y

Hamesha

Vijayee

Southern

Comman

d

Rajasthan 16 - 22

Decemb

er

Ekuverin

VIII

India and

Maldives

Belgaum,

India

14 - 27

Decemb

er

Ajeya

Warrior

India and

UK

Mahajan

Firing

Range,

India

1 - 14

Decemb

er

IMBAX I India and

Myanma

r

Shillong,

India

20 - 25

Novemb

er

Danx 50

Parachut

e Brigade

Andaman

& Nicobar

Islands,

India

20 - 24

Novemb

er

Sampriti

VII

India and

Banglade

sh

Shillong,

India

6 - 11

Novemb

er

PRABAL

DOSTYK

India

And

Kazakhst

an Army

Himachal

Pradesh,

India

2 - 15

Nov

2017

INDRA Indo-

Russia

Armed

Forces

Sea Of

Japan

Near

Vladivosto

k, Russia

19 - 29

Oct

2017

MITRA

SHAKTI

India -

Sri Lanka

Army

Pune,

India

13 - 25

Oct

2017

YUDH

ABHYAS

United

States

And

Indian

Army

Washingt

on, US

14 - 27

Sep

2017


49

Maitree Indian

Army

and

Royal

Thailand

Army

Himancha

l Pradesh,

India

3 To 17

July

2017

Thar

Shakti

X Corps Rajasthan,

India

17 April -

17 May

NOMADI

C

ELEPHAN

T

India-

Mongolia

n

Military

Mizoram,

India

5 - 18

April

2017

Exercise

Bold

Kurukshet

ra

India and

Singapor

e

Madhya

Pradesh,

India

4 - 21

March

AL-

NAGAH-II

Oman

And

Indian

Army

Himachal

Pradesh,

India

6 - 19

March

2017

Khanjar IV India and

Kyrgyzst

an

Kok

Jhangak,

Kyrgyzsta

n

20

Februar

y - 5

March

40. Reports & Indices

Report/

Index

Publis-

hed by

HQ Ran

k

Ease of Doing

Business Report

World

Bank

Washin

gton DC

100

International

Intellectual

Property Index

US

chamber

of

Commer

ce Global

innovatio

n Policy

Centre

US 44

Global Gender

Gap Index

World

economi

c forum

Switzerl

and

108

Gender Parity

Index

UNESCO Paris,

France

108

World

Happiness

Report

United

nations

sustainab

le

develop

ment

solution

network

133

World Migration

Report

Internatio

nal

Migratio

n

Organisa

tion

Geneva,

Switzerl

and

1

Global

Competitiveness

Index

World

Economi

c Forum

40

Environmental

Performance

Index

World

Economi

c Forum

Switzerl

and

177

Global Hunger

Index

Internatio

nal Food

Policy

Research

Washin

gton

100

(201

7)

Inclusive

Internet Index

Econo-

mist

Intellig-

ence Unit

- 47

World Press

Freedom Index

Reporter

s without

Border

France 138

Foreign Direct

Investment Conf

idence Index

2018

AT

Kearney

11

World

Competitiveness

Ranking 2018

Internatio

nal

Institute

for

Manage

ment

Develop

ment

Lausann

e,

Switzerl

and

44

Global Peace

Index 2018

Institute

for

Economi

137


50

cs &

Peace

Energy

Transition Index

World

Economi

c Forum

Cologny

,

Switzerl

78

and

41. Classical Folk Dances

Classical Dance

Dance State

Bharatanatyam Tamil Nadu

Manipuri Manipur

Odissi Odisha

Kuchipudi Andhra Pradesh

Kathakali Kerala

Kathak Uttar Pradesh

Sattriya Assam

Mohiniyattam Kerala

Folk Dance

Dance State

Rasleela Uttar Pradesh

Bihu Assam

Fugdi Goa

Garba, Dandiya Raas Gujarat

Raut Nacha Chhattisgarh

Maach Madhya Pradesh

Thang Ta Manipur

Dumhal, Rauf Jammu and kashmir

Nati Himachal pradesh

Giddha, Bhangra Punjab

Ghumura Odisha

Lavni Maharashtra

Ghoomar, Kalbelia Rajasthan

Puli Kali Kerala

Chhau West Bengal

42. Stock Exchanges Around the World

Stock Exchange Country

Located

Bombay Stock Exchange India

National Stock Exchange of

India

India

Euronext European

Union

B3 Brazil

Shanghai Stock Exchange China

Hong Kong Stock Exchange Hong Kong

NASDAQ USA

Tokyo Stock Exchange Japan

London Stock Exchange UK

Bombay Stock Exchange has become the

ge to be designated as a


51

Designated Offshore Security Market by US

security and exchange Commission.

43. Nick Names of Cities

Nicknames Cities

City of Pearls Hyderabad

Silicon Valley of India Bengaluru

Venice of East Alappuzha

Mini Bombay Indore

Manchester of East Kanpur

Athens of East Madurai

Blue City Jodhpur

Orange city Nagpur

Cotton City Akola

Land of Litchi Muzaffarpur

Queen of Arabian Sea Kochi

City of Black Diamonds Dhanbad

Sandalwood City Mysore

44. Currency Printing & Coin Minting in India

Currency Printing in India

Nashik - The bank note printing in India

started in 1928 with the establishment of India

Security Press at Nashik by Government of

India.

Mysore - The demand for banknotes has been

steadily increasing. To bridge the demand and

supply gap, the Government of India decided

to establish the new bank note printing press

at Mysore (Karnataka).

Dewas (MP) - The second bank note printing

press was established in Dewas (Madhya

Pradesh) in 1975 by Government of India.

Bharatiya Reserve Bank Note Mudran Pvt

Limited - RBI formed a wholly owned

subsidiary Bharatiya Reserve Bank Note

Mudran Private Limited. The BRBNMPL was

incorporated as a Private Limited Company

on 3rd February 1995.

Coin Minting in India

Mumbai - It was established in 1829. Bombay

(Mumbai) Mint has a diamond under the date

of the coin (year of issue).

Alipore (Kolkata) - It was established in 1757.

Kolkata mint has no mark under the date of

the coin (year of issue).

Saifabad (Hyderabad) - It was established in

the 17th century. Hyderabad Mint has a star

under the date of the coin (year of issue). The

other mint marks from Hyderabad include a

split diamond and a dot in the diamond.

Cherlapally (Hyderabad) - It was established

in the 17th century. Hyderabad Mint has a star

under the date of the coin (year of issue). The

other mint marks from Hyderabad include a

split diamond and a dot in the diamond.


52

Noida (UP) - It was established in 1988. Noida

mint has a dot under the year of issue (coin

date).

45. Important Terms

Fiscal Responsibility and Budget

Management Act

This act was enacted in 2003 for balancing

budget by reducing the fiscal deficit. Its

objective is to bring fiscal stability by

introducing a transparent fiscal management

system.

MUDRA Scheme

MUDRA is an acronym of Micro Units

Development and Refinance Bank Agency.

The scheme was launched on 8th april 2015.

Under this scheme MUDRA banks are set up

which will provide loans at the low rates to

the small and micro enterprises with less than

10 lakh credit requirement. Commercial

banks, RRBs, cooperative banks, small finance

banks, registered microfinance institutions

and NBFC are authorized to provide loans

under the MUDRA scheme. Loans under this

scheme is categorised in three categories -

1. Shishu - Up to Rs. 50,000

2. Kishore - Up to Rs. 5 lakh

3. Tarun - Up to Rs. 10 lakh

Dividend Distribution Tax

The tax levied on the dividend is to be

paid by domestic companies only.It is

paid on gross amount of dividend. Cess

and surcharge of 3% and 12%

respectively, is also charged on that

dividend. Presently 15% DDT is levied.

DDT is levied on mutual funds too.

Ad Valorem Tax

The tax imposed on goods and services

according to their value. Sales tax, VAT,

Property tax, stamp duty is the type of ad

valorem tax.

Venture Capital Funds

It is an investment fund, which helps in

development of new products/startup.

Venture capital fund manages money of

the investors who provide capital to

startup and small and medium size

enterprises, expecting long term returns.

These funds are regulated by SEBI. These

funds are risky and envisage high returns.

There are three types of VCFs -

1. Early stage financing

2. Expansion financing

3. Acquisition or buyout financing

Security Transaction Tax



53

The tax paid on the transaction of securities

listed in the stock market. It is levied on

shares, debentures, derivatives and equity

mutual funds. This tax was introduced in 2004

to stop the avoidance of capital gain tax. Off

market share transaction are excluded from

Security transaction tax.

Capital Gains Tax

The tax imposed on the profit earned on sale

of capital asset. Capital asset is classified in

two categories - Long term capital asset and

short-term capital asset.

• Long term capital asset - Period

exceeding 36 months before transfer

of securities or shares. Capital gain

tax on this asset on securities

exceeding Rs. 1 lakh is 10%.

• Short term capital asset - Period not

more than 36 months before transfer

of securities or shares. Capital gain

tax on this asset is 15%.

Advance Pricing Agreements

An agreement which is signed between

taxpayer and tax authority in advance on the

transactions over a fixed period. It was

introduced by Finance Act 2012 to bring

certainty in tax laws.

Fiscal Consolidation

The process by which government reduce

their deficits and accumulation of debts.

FRBM is process by which reduction in fiscal

deficit is done to achieve fiscal consolidation.

Fiscal Policy

The policies made by government which deals

with the taxation and spendings of

government. It changes every year and

focuses on growth of economy.

Monetary Policy

It is a tool used by central bank to regulate

money supply in economy. Interest rates and

credit ratios are the policy instruments of

monetary policy. It focuses on economic

stability.

Interest Rate Risk

The bond owner bears the risk arises due to

the fluctuation in interest rates.

Fiscal Deficit

When government spends more than its

income then it is termed as fiscal deficit. The

difference between total expenditure and

revenue receipts and non-debt capital

receipts amounts to fiscal deficit.

Primary Deficit

It is calculated by deducting interest

payments from fiscal deficit.

Revenue Deficit

When there is a difference between

expenditure and revenue it is termed as

revenue deficit.

Monetized Deficit

When government take help from RBI to

reduce expenditure and finance the debt

obligation. It is the sum of RBI contribution to

market borrowings of government and net

increase in holdings of RBI. RBI generally

prints money to finance government deficits.

Revenue Deficit

When there is a difference between revenue

expenditure and revenue receipts, revenue

deficit occur.

Current Account Deficit

When there is difference between the imports

and exports of goods and services between

countries, the situation is called current

higher than earning as compare to the other

countries.

Capital Budget

Capital budget consists of capital receipt and

expenditure. It is also known as capital

account. It shows the how capital is managed

and spent.


54

Custom Duties

The duties or tax imposed on the products

which are exported from and imported in

India. Increase in custom duty will encourage

domestic production.

Bull Market

This is the term related to stock market. A bull

market is a market where prices are rising or

expected to rise. It shows market is strong

and positive.

Bear Market

Bear market is opposite of bull market. It is

when market prices are falling. In the long run

it shows rise in unemployment and recession

in economy.

Inflation Risk

Due to inflation the change in purchasing

power, there is the chance that cash flow

It is also known as purchasing power risk.

Direct Tax

Direct taxes are paid directly by the person on

whom it is imposed. Examples - Income tax,

Wealth tax, Gift tax, Property tax etc.

Indirect Tax

The tax which is imposed on producers or

traders but ultimately paid by consumers. For

example - sales tax, excise etc.

Vote on Account

When there is requirement to withdraw

money from the consolidated fund of India

there is a need to obtain vote on account by

government from parliament or legislature.

Guillotine

When the period of the discussion on

demands for grants is over, speaker passes

guillotine motion so that all the remaining

demands for the grant are put to vote at once.

Minimum Alternate Tax

It is a kind of direct tax which is imposed on

zero tax companies at 18.5% interest rate.

Public Account of India

It is constituted under article 266(2) of

constitution. Public account contains all the

money other than consolidated fund of India.

There is no need of parliament approval to

withdraw money from fund. Examples: -

Provident Fund and Small Saving Funds.

Contingency Fund of India

It is maintained to meet the emergency

requirements. It is placed at the disposal of

the President to enable him/her to make

advances to meet urgent unforeseen

expenditure, pending authorization by the

Parliament.

46. International Organisations & Headquarters

International

Organizations

HQs

Amnesty international London

APEC (Asia Pacific

Economic Forum)

Singapore

ASEAN (Association of

South East Asian Nations)

Jakarta

Commonwealth of Nations London

EU (European Union) Brussels

FAO (Food and

Agricultural Organization)

Rome

IAEA (International Atomic Vienna

Energy Agency)

ICAO (International Civil

Aviation Organization)

Montreal

ICJ (International Court of

Justice)

The Hague

ILO (International Labor

Organization)

Geneva

IM (International Maritime

Organization)

London

IMF (International

Monetary Fund)

Washington

International Standards

Organizations

Geneva


55

NAM (Non-Aligned

Movement)

New York/

Istanbul

NATO (North Atlantic

Treaty Organization)

Brussels

OECD (Organization for

Economic Cooperation

and Development)

Paris

OPEC (Organization of

Petroleum Exporting

Countries)

Vienna

SAARC (South Asian

Association for Regional

Cooperation)

Kathmandu

Transparency International Berlin

UNAEC (United Nations

Atomic Energy

Commission)

New York

UNAIDS (Joint United

Nations Programme on

HIV/ AIDS)

Geneva

UNCDF (United Nations

Capital Development

Fund)

New York

UNCTAD (United Nations

Conference on Trade and

Development)

Geneva

UNODC (United Nations

Office on Drugs and

Crimes)

Vienna

UNDP (United Nations

Development Programme)

New York

UNEP (United Nations

Environment Programme)

Nairobi

UNESCO (United Nations

Educational scientific and

cultural Organization)

Paris

UNFCCC (United Nations

Frame Convention on

Climate Change)

Germany

UNFPA (United Nations

Population Fund)

New York

UNHCR (United Nations

High Commissioner for

Refugees)

Geneva

UNICEF (United Nations

New York

UNO (United Nations

Organization)

New York

WHO (World Health

Organization)

Geneva

WMO (World Metrological

Organization)

Geneva

World Bank Washington

World Intellectual

Property Org.

Geneva

WTO (World Tourism

Organization)

Madrid

47. Rivers, Dams & States

State Name River Name

Andhra

Pradesh

Somasila Dam Pennar River

Srisailam Dam Krishna River

Gujarat Ukai Dam Tapti River

Dharoi Dam Sabarmati

River

Kadana dam Mahi River

Dantiwada Dam Banas River

Sardar Sarovar

Dam (Narmada

Dam)

Narmada

River

Himach

al

Pradesh

and

Punjab

Border

Bhakra Nangal

Dam

Sutlej River

Himach

al

Pradesh

Pandoh Dam Beas River

Nathpa Jhakri

Dam

Satluj River

Chamera Dam Ravi River

Jammu

and

Kashmir

Baglihar Dam Chenab River

Dumkhar

Hydroelectric

Dam

Indus River

Uri

Hydroelectric

Dam

Jhelum River

Jharkha

nd

Maithon Dam Barakar River

Chandil Dam Swarnarekha

River

Panchet Dam Damodar

River

Karnata

ka

Tunga Bhadra

Dam

Tungabhadra

River

Linganamakki

dam

Sharavathi

River

Kadra Dam Kalinadi

River

Alamatti Dam Krishna River

Supa Dam Kalinadi or


56

Kali river

Krishna Raja

Sagara Dam

Kaveri River

Harangi Dam Harangi

River

Narayanpur

Dam

Krishna River

Kodasalli Dam Kali River

Kerala

Malampuzha

Dam

Malampuzha

River

Peechi Dam Manali River

Idukki Dam Periyar River

Kundala Dam Kundala

Lake

Parambikulam

Dam

Parambikula

m River

Walayar Dam Walayar

River

Mullaperiyar

Dam

Periyar River

Neyyar Dam Neyyar River

Madhya

Pradesh

Barna Dam Barna River

Bargi Dam Narmada

River

Bansagar Dam Sone River

Gandhi Sagar

Dam

Chambal

River

Mahara

shtra

Yeldari Dam Purna river

Ujani Dam Bhima River

Pawna Dam Maval River

Mulshi Dam Mula River

Koyna Dam Koyna River

Jayakwadi Dam Godavari

River

Bhatsa Dam Bhatsa river

Wilson Dam Pravara River

Tansa Dam Tansa river

Panshet Dam Ambi River

Mula Dam Mula river

Kolkewadi Dam Vashishti

River

Girna Dam Girana river

Vaitarna Dam Vaitarna river

Khadakwasla

Dam

Mutha River

Gangapur Dam Godavari

river

Telanga

na

Radhanagari

Dam

Bhogawati

River

Lower Manair

Dam

Manair River

Mid Manair Dam Manair River

and SRSP

Flood Flow

Canal

Upper Manair

Dam

Manair River

and Kudlair

River

Singur dam Manjira River

Nizam Sagar

Dam

Manjira River

Odisha Indravati Dam Indravati

River

Hirakud Dam Mahanadi

River

Tamil

Nadu

Vaigai Dam Vaigai River

Perunchani Dam Paralayar

River

Mettur Dam Kaveri River

Uttarak

hand

Tehri Dam Bhagirathi

River

Dhauli Ganga

Dam

48. Famous Temples

Temple Year Place Built By

Virupaksha

Temple

7th

centu

ry

Hampi,

Karnataka

Queen

Lokhama-

hadevi

Meenakshi

Temple

1623-

1655

CE

Madurai

Tamil

Nadu

Vishwana

ntha

Nayakar

Ramanatha

swamy

Temple

7th

8th

centu

ry

Rameshwa

ram

Island,

Tamil

Pandya &

Jaffna

Kings

Nadu

Suchindra

m

Temple

17th

centu

ry

Kanyakum

ari,

Tamil

Nadu

Nambudiri

Brahmins

Vitthala

Temple

15th

centu

ry

Hampi,

Karnataka

King

Devaraya

II

Brihadesh

wara

Temple

11th

centu

ry

Thanjavur,

Tamilnand

u

Raja Raja

Chola

I

Airavatesw 12th Darasuram Rajaraja


57

ara

Temple

centu

ry

Chola

II

Venkatesw

ara

Temple

300

AD

Tirumala,

Andhra

Pradesh

King

Thondaim

an

Kashi

Vishwanat

h

1780 Varanasi,

Uttar

Pradesh

Ahilya Bai

Lord

Jagannath

Temple

1611 Puri,

Odisha

Indrady-

umna

Vaishno

Devi

Temple

Jammu

Somnath Gujarat Moon

God

Shirdi Sai

Baba

Temple

1922 Shirdi,

Maharasht

ra

Badrinath 9th

centu

ry

C.E

Uttarakhan

d

Adi

Shankara

Kedarnath 8th

centu

ry

Garhwal

area

Uttarakhan

d

Pandavas

Konark

Sun

Temple

13th

centu

ry

Odisha Narasimh

a

deva

Sanchi 3rd Raisen, Asoka

Stupa centu

ry

BC

Madhya

Pradesh

Siddhivina

yak

Temple

18th

centu

ry

Prabha

Devi,

Mumbai

The

Golden

Temple

1577 Amritsar,

Punjab

Guru

Ram Das

Mahabodh

i

Temple

3rd

centu

ry

B.C

Bihar Ashoka

Kamakhya

Temple

8th-

17th

centu

ry

Nilachal

Hill,

Guwahati

Amarnath

Cave

Temple

Jammu

and

Kashmir

Natural

formation

Yamunotri

Temple

19th

centu

ry

Uttarkashi,

Uttarakhan

d

Maharani

Gularia

Gangotri

Temple

18th

centu

ry

Uttarkashi,

Uttarakhan

d

Amar

Singh

Thapa

49. Stadiums in India

Name City/Location

Aishbagh Stadium Bhopal

Baichung Stadium Namchi

Bakshi Stadium Srinagar

Barabati Cuttack

Barkatullah Khan Jodhpur

Barkatullah University

Stadium

Bhopal

Biju Patnaik Hockey

Stadium

Rourkela

Birsa Munda Athletics Ranchi

Brabourne Mumbai

Buddh International Circuit Greater Noida

Captain Roop Singh

Stadium

Gwalior

CB Patel International

Cricket Stadium

Surat

Chennai Jawaharlal Nehru Chennai

Cooperage Football

Stadium

Mumbai

Dadaji Kondadev Stadium Thane

Dhyan Chand National Delhi

Dr. Bhupen Hazarika Guwahati

Dr. Y.S. Rajasekhara Reddy

Aca-vdca Cricket Stadium

Visakhapatnam

Dy Patil Navi Mumbai

Eden Gardens Kolkata

Ems Stadium Kozhikode

East Bengal Ground Kolkata

East Coast Railway Stadium Bhubaneswar

Fatorda Stadium Margao

Feroz Shah Kotla Delhi

Gandhi Stadium Jalandhar

Gangotri Glades Cricket

Ground

Mysore

Gmc Balayogi Athletic

Stadium

Hyderabad


58

Greater Noida Cricket

Stadium

Greater Noida

Green Park Stadium Kanpur

Guru Gobind Singh Stadium Nanded

Guru Nanak Stadium Ludhiana

Holkar Cricket

Stadium

Indore

IPCL Sports Complex

Ground

Baroda

Indira Gandhi Solapur

International Hockey

Stadium

Rajnandgaon

JSCA International Cricket

Stadium

Ranchi

Kanchenjunga Stadium Siliguri

KD Singh Babu Stadium Lucknow

Keenan Stadium Jamshedpur

Khuman Lampak Main

Stadium

Imphal

KIIT Stadium Bhubaneswar

Lal Bahadur Shastri Hyderabad

Lucknow International

Stadium

Lucknow

Jawaharlal Nehru Kochi

Jawaharlal Nehru New Delhi

Lal Bahadur Shastri Hyderabad

Lucknow International

Cricket Stadium

Lucknow

M. Chinnaswamy Bangaluru

Ma Chidambaram Chennai

Madhavrao Scindia Rajkot

Maharashtra Cricket

Association

Gahunje (Pune)

Mangalagiri International Mangalagiri

Cricket Stadium

Mohammedan Sporting

Ground

Kolkata

Moti Bagh Stadium Baroda

Moin-ul-haq Patna

Nehru Stadium Indore

New Bangalore Football

Stadium

Bangalore

Paljor Stadium Gangtok

Punjab Cricket Association

IS Bindra Stadium

Mohali

Rabindra Sarobar Stadium Kolkata

Rajiv Gandhi International

Stadium

Dehradun

Rajiv Gandhi Port Silver

Jubilee

Visakhapatnam

Salt Lake Stadium Kolkata

Sardar Vallabhbhai Patel

Stadium

Ahmedabad

Satindra Mohan Dev

Stadium

Silchar

Sawai Mansingh Jaipur

Sector 42 Stadium Chandigarh

Sher-i-Kashmir Stadium Srinagar

Shaheed Veer Narayan

Singh International

Raipur

Trivandrum International

Stadium

Trivandrum

Tau Devi Lal Stadium Gurgaon

YS Raja Reddy Stadium Kadapa

Vidarbha Cricket

Association Stadium

Nagpur

Wankhede Mumbai

50. Boundary Lines

• Radcliffe Line - This is the boundary

line between India and Pakistan. It

was drawn by Sir Cyril Radcliffe on

17th August 1947 because of the

separation between the two

countries.

• Durand Line - This demarcates the

boundary of Pakistan and

Afghanistan.

• Hindenburg Line - This is the

boundary dividing Poland and

Germany.

• McMahon Line - It is the boundary

line between India and China and it

was drawn by Sir Henry McMahon.

• Marginal Line - This line was drawn

up by General Mannerheim between

Russia-Finland border. It is a 320-km

line of fortification.

• Maginot Boundary Line - This

boundary line demarcates France and

Germany

• Oder-Neisse Line - This line was

drawn between Poland and Germany

after the second World War.


59

• 8th Parallel - It is the boundary

between North and South Korea.

• 49th Parallel - This represents the

boundary between Canada and USA.

• Mannerheim Line - This line

demarcates Russia and Finland.

• Mason-Dixon Line - It is a line of

demarcation between four states in

the United State.

• Siegfried Line - It is the boundary

between Germany and France.

• 24th Parallel - Pakistan feels that this

should be the actual line between

India and Pakistan. However, India

does not approve of this.

• 17th Parallel - It defined the

boundaries between North and South

Vietnam before they unit

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