BANKERS MANTRA

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1.    International Day for the Eradication of Poverty observed today i. International Day for the Eradication of Poverty was observed across the world on 17 October 2014. ii. The theme for the day was Leave no one behind: think, decide and act together against extreme poverty. iii. The 2014 theme recognises and underscores the demanding challenge of identifying and securing the participation of those experiencing extreme poverty and social exclusion in the Post-2015 Development Agenda, which will replace the Millennium Development Goals. iv. The day was observed to promote people’s awareness on the need to eradicate poverty and destitution worldwide. Note: On the other hand, Argentina, Luxembourg, South Korea, Australia and Rwanda will step down from their seats on 31 December 2014 to make way for the newly-elected members. 2.    RBI inks MoU with Kenya's central bank for info exchange i. The Reserve Bank has signed a pact with Central Bank of...

ISRO successfully launched third navigation satellite IRNSS 1C i. Indian Space Research Organization (ISRO) on 16 October 2014 successfully launched third navigation satellite Indian Regional Navigation Satellite System (IRNSS) 1C. ii. Polar Satellite Launch Vehicle (PSLV) C26 injected IRNSS 1C into the designated orbit from the first launch pad of Satish Dhawan Space Centre in Sriharikota. This was the 27th consecutive successful flight of PSLV. iii. Initially, the satellite was injected into a sub-geosynchronous transfer orbit with a 282.56 km perigee (nearest point to Earth) and 20670 km apogee (farthest point from Earth).

Part-1st to continue. ... 8. What is KYC?       The Reserve Bank of India (RBI) has advised banks to follow ‘KYC guidelines’, wherein certain personal information of the account-opening prospect or the customer is obtained. The objective of doing so is to enable the Bank to have positive identification of its customers.  This is also in the interest of customers to safeguard their hard earned money.       The KYC guidelines of RBI mandate banks to collect three proofs from their customers. They are- Photograph                    Proof of identity             Proof of address 9. What is Sub-prime crisis? The current Subprime crisis is due to sub-prime lending. These are the loans given to the people having low credit rating. 10. What is Base Rate?  ...

Budget- Budget is the estimation of income and expenditure. Budget is prepared for proper and systematic development. Budget represent in 3 ways- 1. Income> expenditure= surplus 2. Income= expenditure= balance budget 3. Income< expenditure = deficit budget Note- India's budget is always deficit because India is a developing country. Sources of Money for Government- 1. Loan from RBI 2. Government securities 3. Loan from Asian development Bank and world bank Categories of Budget- 1. Gender Budget 2. Zero base Budget 3. Outcome Budget 4. Traditional Budget 5. Performance Budget 6. Interim Budget 1. Gender Budget- When budget is female oriented is called gender budget. 2. Zero base Budget- When government form budget without considering last years budget performance that is called zero base budget. 3. Outcome Budget- When budget is result oriented(means particular sector growth related). 4. Traditional Budget- When income estimated and expenditure fixed is ca...

1.    Arvind Subramanian appointed new Chief Economic Advisor i. Arvind Subramanian became chief economic advisor to the Indian government on Thursday. ii. Mr. Subramanian, a senior fellow at the Peterson Institute for International Economics in Washington, attended a news conference in New Delhi at which his appointment was announced. iii. He is a development economist who worked closely with Reserve Bank of India Governor Raghuram Rajan when both were at the International Monetary Fund. iv. Mr. Subramanian, said he was hopeful on the economy and that macro-economic stability and creating the conditions for investment would be priorities. v. Kaushik Basu (World Bank Chief Economist) and Raghuram Rajan (current RBI Governor and former IMF chief economist) were the other two internationally renowned economists who recently served as CEA. 2.    Rajiv Mehrishi appointed new finance secretary i. Rajiv Mehrishi, the top bureaucrat from Rajasthan, replace...

India's Current State Governor’s •    E. S. L. Narasimhan       -Andhra Pradesh •    Nirbhay Sharma          -Arunachal Pradesh •    Janaki Ballabh Patnaik            - Assam •    D. Y. Patil                               - Bihar •    Balramji Das Tandon              - Chhattisgarh •    Mridula sinha                          - Goa •    Om Prakash Kohli                  - Gujarat •    Ka...

Various chairman's of Goveronment Office's *V. S. Sampath…… Chief Election Commissioner of India *Justice K.G. Balakrishnan….. Chairperson, National Human Rights Commission *Rajeev Mathur …..Chief Commissioner, Central Information Commission *Naseem Ahmed……… Chairman, National Commission for Minorities *P. L. Punia …….Chairman, National Commission for SC *Rameshwar Oraon …..Chairman, National Commission for ST   *Lalitha Kumaramangalam ……Chairperson, National Commission for Women *Ratan Kumar Sinha….. Chairman, Atomic Energy Commission --- *K. Radhakrishnan…… Chairman, ISRO *Rajni Razdan…… Chairman, Union Public Service Commission *Sam Pitroda……. Chairman, National Knowledge Commission *Ved Prakash….. Chairman, University Grants Commission *Ashwin B. Pandya…..Chairman, Central Water Commission

1. what is bank? A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly by loaning or indirectly through capital markets. A bank links together customers that have capital deficits and customers with capital surpluses. 2. What is the difference between Cheque and Demand Draft? Cheque: Cheuqe is a negotiable instrument instructing a bank to pay a specific amount from a specific account held in the maker/depositor name with that Bank. Demand Draft: A demand draft is an instrument used for effecting transfer of money. It is a negotiable instrument. 3. What is a Non-Banking Financial Company (NBFC)? A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insuranc...

Current Affairs of 15 October 1. Rajan given Best Central Bank Governor award by Euromoney Reserve Bank of Insia governor Raghuram Rajan has been conferred with the Best Central Bank Governor award for 2014 by Euromoney magazine. Euromoney said Raghuram Rajan’s tough monetary medicine combatted the storm ravaging the deficit-ridden economy in the recent emerging market crisis. “Now, he is battling vested interests to arouse a sleepy financial system for over one billion people... Remarkably, the internationally-renowned economist, who earned acclaim for his warnings in 2005 of an upcoming global crisis of sorts, has, for the past year been true to his word,” Euromoney said. Mr. Rajan received Euromoney’s Central Bank Governor of the Year Award 2014 in Washington on October 10, the RBI said in a release on Wednesday. 2. Australian author Richard Flanagan won 2014 Man Booker Prize Australian author Richard Flanagan on 14 October 2014 won the 50000 pounds Ma...

More Taglines: [1] Federal Bank – Your perfect banking partner. [2] IndusInd Bank – We Make You Feel Richer. [3] ING Vysya Bank – Jiyo easy. [4] Karnataka Bank – Your family bank across India. [5] Karur Vysya Bank – Smart way to bank. [6] Kotak Mahindra Bank – Lets make money simple. [7] Bandhan – Hope for the poor. Foreign Banks: [1] ABN-AMRO Bank – Making More Possible. [2] Abu Dhabi Commercial Bank – Our Vision. Your Future. [3] Bank of Ceylon – BOC-the Bank you can trust. [4] BNP Paribas Bank – The bank for a changing world. [5] Citi Bank – The Citi never sleeps. [6] China Trust Commercial Bank – We Are Family. [7] Deutsche Bank – A Passion to Perform. [8] JPMorgan Chase Bank – The right relationship is everything. [9] Standard Chartered Bank – Your Right Partner. [10] Scotia Bank – You’re richer than you think.

Important Committees related to Banking and Finance 1. Abid Hussain Committee : On Small Scale Industries 2. A C Shah Committee : Reforms Relating To Non Banking Financial Companies (NFBC) 3. Aditya Puri Committee : Dissemination of Credit Information 4. Anil Kaushal committee : To examine the recommendations made by the TRAI on pricing of Spectrum. 5. Arvind Mayaram Panel : Report on the alleged irregularities at the National Spot Exchange Ltd (NSEL) 6. Arvind Mayaram Committee : For giving clear definitions to Foreign Direct Investment (FDI) and Foreign Institutional Investment (FII) 7. Athreya Committee : Restructuring Of IDBI 8. Basel Committee : Banking Supervision 9. Bimal Jalan panel : To scrutinize applications for new bank licenses. 10. Bhandari Committee : Reconstruction of RRBs 11. B. Mahapatra Committee : To review the existing prudential guidelines on restructuring of advances by banks/financial institutions 12. Cook Committee : Capital adequacy of ...

About Nobel Prize - Nobel Prize, any of the prizes (five in number until 1969, when a sixth was added) that are awarded annually from a fund bequeathed for that purpose by the Swedish inventor and industrialist Alfred Bernhard Nobel. The Nobel Prizes are widely regarded as the most prestigious awards given for intellectual achievement in the world. For Medicine and Physiology: John O’Keefe, May-Britt Monser and Edvard I. Monser Prize Share - 1/3 The Nobel Prize in Physiology or Medicine 2014 was divided, one half awarded to John O’Keefe, the other half jointly to May-Britt Moser and Edvard I. Monser “for the discoveries of cells that constitute a positioning system in the brain.” For Physics: Isamu Akasaki, Hiroshi Amano, Shuji Nakamura Prize Share - 1/3 They were jointly awarded the prize for the invention of "efficient blue light-emitting diodes which has enabled bright and energy-saving white light sources.” For Chemistry: Eric Betzig, Stefan ...

Banks and Their Tag Lines - 1.    Allahabad Bank - A Tradition of Trust 2.    Andhra Bank – Where India Banks 3.    Bank of Baroda - India’s International Bank 4.    Bank of India - Relationship beyond banking 5.    Bhartiya Mahila Bank – Empowering Women 6.    Bank of Maharashtra - One family one bank 7.    Canara Bank – Together We Can 8.    Central Bank of India – “Central To you Since 1911” 9.    Corporation Bank – A Premier Public Sector Bank 10.  Dena Bank - Trusted Family Bank 11.  ECGC Bank – You focus on exports. We cover the risks 12.  IDBI Bank – Banking For All, “Aao Sochein Bada” 13.  Indian Bank – Your Tech- Friendly Bank 14.  Indian Overseas Bank – Good people to grow with 15.  Punjab National Bank - The name you...

★यहां पर भारत एवं विश्व के विभिन्न देशों में अक्टूबर 2014 में घटित महत्त्वपूर्ण घटनाओं पर आधारित प्रश्नों की एक श्रृंखला दी गई. प्रश्नों की यह श्रृंखला अक्टूबर 2014 का प्रथम भाग है. • वह पुरस्कार जिसके लिए भारत के कैलाश सत्यार्थी और पाकिस्तान की मलाला युसुफजाई का चयन किया गया- शांति का नोबेल पुरस्कार-2014 • वह फ्रांसीसी लेखक जिसका चयन साहित्‍य का नोबेल पुरस्‍कार-2014 हेतु किया गया- पैट्रिक मोदियानो   • प्रधानमंत्री नरेंद्र मोदी की जीवनी लिखने वाले वह पत्रकार जिसका अक्टूबर 2014 के प्रथम सप्ताह में निधन हो गया-एमवी कामथ • वह समुद्री तूफान जो पश्चिम मध्‍य और पूर्वी मध्‍य बंगाल की खाड़ी के ऊपर बना हुआ है और विशाखापटनम से 630 किलोमीटर दूर पूर्व-दक्ष्‍िाण पूर्व में केन्द्रित है-'हुदहुद' • वह एक मात्र भारतीय खिलाड़ी जिसे अमेरिकी पत्रिका फोर्ब्स द्वारा जारी दुनिया के सबसे कीमती एथलीट ब्रांड की सूची में पांचवें स्थान पर हैं- महेंद्र सिंह धोनी • अगस्ता वेस्टलैंड के वह पूर्व प्रमुख जिसे भारत के साथ वीवीआईपी हेलीकॉप्टर सौदे में कथित धांधली के आरोप में इटली की अदालत द्वारा दो वर्...

Easy to Remember: Noble price winners in physics Hiroshi Amano [Hiroshima] Isamu Akasaki, [Nagasaki] Shuji Nakamura[Shuji like our Shruti mam ] Remember three names enough Disclaimer: Clues not intended to criticize anybody 97 Reply − Aman Goenka Bhaskar Honey 2 hours ago Nobel Prize for LED goes to SHI S-Shuji Nakamura H-Hiroshi Amano I-Isamu Akasaki

Schemes provided by various banks: 1,Tab banking facility = SBI 2. Boutique financing scheme = SBI 3. Twitter Handle account = SBI 4. Asha Home loan = AXIS BANK 5. Airtel money = AXIS BANK+AIRTEL 6. Kisan card = AXIS BANK 7. M-Pesa = ICICI+Vodafone 8. Branch on Wheel = ICICI(in odisa) 9. I-Mobile app for windows phone = ICICI 10. Instant money transfer = BOI 11. M-Wallet = Canara Bank 12. E-Wallet = IRCTC 13. Student Travel Card = ICICI 14. E-KYC = SBI 15. Jifi, (a fully integrated social bank account that incorporates social networking platforms like Twitter and Facebook with mainstream banking) = Kotak Mahindra Bank 16. ‘Connect Card’, (ATM cum Debit card in association with VISA that can be used for ecommerce across five lakh merchant outlets) = Indian Overseas Bank . this will be more useful..

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2014 के नोबेल पुरस्कारों का एलान स्वीडन की राजधानी स्टॉकहोम के कारोलिंस्का इंस्टीट्यूट ने किया. चिकित्सा क्षेत्र का पुरस्कार इस बार मस्तिष्क पर शोध कर रहे तीन वैज्ञानिकों को मिला. मेडिसिन का नोबेल पुरस्कार पाने वाले तीन वैज्ञानिकों में दो पति-पत्नी हैं. न्यूरो साइंस के वैज्ञानिक जॉन ओकीफ, माय-ब्रिट मोसर और एडवर्ड मोसर को मेडिसिन का नोबेल पुरस्कार देने का एलान किया गया. न्यूरोसाइंटिस्ट जॉन ओकीफ यूनिवर्सिटी कॉलेज लंदन में प्रोफेसर हैं जबकि मोसर दंपत्ति नॉर्वे के हैं. तीनों वैज्ञानिकों ने बीते एक दशक में मतिष्क के जटिल रहस्य सुलझाए हैं. माय-ब्रिट मोसर और एडवर्ड मोसर नॉर्वे की विज्ञान और तकनीकी यूनिवर्सिटी में काल्वी इंस्टीट्यूट फॉर सिस्टम्स न्यूरोसाइंस एंड सेंटर फॉर बायोलॉजी ऑफ मेमोरी की स्थापना कर चुके हैं. दिमाग का जीपीएस इन तीनों के नाम का एलान करते हुए कारोलिंस्का इंस्टीट्यूट ने कहा, "पोजिशनिंग सिस्टम की खोज, यानी दिमाग का ऐसा जीपीएस जिसकी मदद से हम हर जगह अपनी अपनी दिशा तय करते हैं. जॉन ओकीफ, माय-ब्रिट मोसर और एडवर्ड मोसर ने ऐसी परेशानी का हल खोज निकाला, जिसने वैज्ञानिकों और...

Sat, 11 Oct 2014 प्रधानमंत्री नरेन्द्र मोदी ने गावों के समग्र विकास के लिए ’सांसद आदर्श ग्राम योजना (एसएजीवाई)’ की शुरूआत 11 अक्टूबर 2014 को की. एसएजीवाई का क्रियान्वन केंद्रीय ग्रामीण विकास मंत्रालय की देख-रेख में किया जाना है.  सांसद आदर्श ग्राम योजना के तहत हर सांसद वर्ष 2019 तक तीन गांवों में बुनियादी एवं संस्थागत ढांचा विकसित करने की जिम्मेदारी उठायेंगे, जिनमें से एक आदर्श गांव को वर्ष 2016 तक विकसित किया जाना है. इसके बाद पांच ऐसे आदर्श गांवों (हर साल एक गांव) का चयन किया जाएगा और उनके विकास के काम को वर्ष 2024 तक पूरा किया जाएगा. सांसद आदर्श ग्राम योजना के उद्देश्य लोक नायक जयप्रकाश नारायण की जयंती के अवसर पर आरंभ की गयी एसएजीवाई परियोजना का उद्देश्य है गांवों में रहने वाले लोगों को उन्नशत बुनियादी सुविधाएं और बेहतर अवसर मुहैया कराना, जिससे वे अपना भाग्य खुद बनाने में समर्थ हों. महात्मा गांधी के सिद्धांतों एवं मूल्यों से प्रेरित होकर एसएजीवाई योजना के तहत राष्ट्रीय गौरव, देशभक्ति, सामुदायिक भावना एवं आत्मविश्वास के मूल्यों को अपनाने और आवश्यक ढांचा विकसित करने पर भी समान जोर द...