Notebook

 Banking terms: https://www.youtube.com/watch?v=YPI5NngJ3kI Financial awareness according to Ashish sir: Banking in India: Origin, merger, amalgamation, nationalization,  imp news related to rbi banking terminology: NPCI products Banking ombudsman, nbfc ombudsman, digital ombudsman, integrated ombudsman, rbi retail direct nabard and psl monetary policy, crr, SLR, repo rate, reverse repo rate, refinance facility, bank rate, omo, market stabilization scheme, qualitative tool, quantitative tool,  inflation: cpi, wpi, deflatiion, disinflation, stagflation, stages of inflation, relation, demand pull inflation, cost push inflation, bottleneck inflation,  budget: revenue receipt, capital receipt, revenue expenditure, capital expenditure, fiscal deficit, primary deficit, revenue deficit, consolidated fund, contingency fund, public account fund, budget history NPA: sarfaesi act, debt recovery tribunal, debt recovery appellate tribunal, classification of asset, special mention...

 playlist by adda: https://www.youtube.com/live/9scbw0UZtPU?feature=share https://www.youtube.com/playlist?list=PLiTWLl37st6WmHHU6e2P3jtodGGgXNOVK finance and management books pdf https://www.oliveboard.in/blog/rbi-suggestions-for-rbi-grade-b-study-material/

 Here is an exhaustive list: https://www.youtube.com/playlist?list=PLeer2UdZc4jt0BayUdgllt67_WjkzgDDk Microfinance: Microfinance or microcredit is a type of banking service provided to the unemployed or the low income groups who would otherwise have no other way to get financial services.  Microfinance allows people to take up reasonable small business loans safely and in a manner in compliance with ethical banking practices.  Many kinds of microfinancing take place in various developing countries like India, China, Indonesia, etc.  It gives loans to poor people which are also called microloans. They also help in financial inclusion, promote entrepreneurship and empower the weaker sections like women.  Genesis of microfinance: Oliveboard rbi gr b 2023 lectures youtube https://www.youtube.com/playlist?list=PLmKwZ83G-3jUZXIuTSrNltkJih8E3kbOP Most important govt schemes Rashtriya Madhyamik Siksha Abhiyan Ministry of education Launched in 2009 Centrally sponsored sc...

 December Non Performing Assets RBI has released a report called Report on Trend and Banking in India 2021-22. What does this report say? The Gross NPA had peaked at 9% in 2017-18. But, it declined to 5% in 2021-22. What is the primary function of a bank? The primary function of a bank is to accept deposits and lend them.  What are the primary assets of banks? The primary assets of banks are loans.  When does a non-agricultural loan become an NPA? When the principal or interest of a loan remains unpaid over a period of ninety days then it becomes an NPA.  When does an agricultural loan become an NPA? For short duration crops:  When the loan remains unpaid for two crop seasons. For long duration crops: When the loan remains unpaid for one crop season. What are the primary assets of a bank? Loans are primary assets of a bank.  What are the two types of assets of a bank? There are two types of assets of a bank: 1. Standard asset- It does not carry more than th...

 Build a Saas business from nothing Write code to build an audience before you build a product.  Micro saas business does not raise IPOs, they are run by 1-5 people but they earn a lot of money.  Venture back business Lifestyle business Solve problems for individual users. Solve urgent and important problems in their workflows.  Micro saas There are many problems that concern very few people. Even a single person can run such a business. There is no outside funding. Micro SaaS businesses can be built rapidly. It is possible to directly communicate with customers and directly get their feedback. It does not depend on location and can be built from anywhere. It has a great appeal to individuals and freelancers. There is a niche market and it uses minimal resources to solve it. It could a problem as small as the Shopify's e-commerce store. How to find a good idea? There are some questions in Tyler Tringas’s meat grinder: Can I make this? Do you or your close circle have...

https://www.thehindu.com/opinion/editorial/ Completed till 17th Jan.  January https://www.thehindu.com/opinion/editorial/a-fortuitous-trend-on-wholesale-inflation-data/article66387215.ece A fortuitous trend: On wholesale inflation data In Dec, 2022, inflation was at a much lower rate at 5.7%. The rates are the lowest since Nov 2021. Wholesale inflation was 5.88% in November. It fell to 4.95% in December which is a 22-month low. The wholesale price rise was too high in Dec 2021 at 14.2%. Wholesale inflation was at an all-time high in May 2022 at 16.6%. The succeeding 7 months saw a decline in wholesale inflation. Retail inflation was very high at 7.4% in September which cooled down in the coming four months. RBI has a threshold of 6% inflation which could be maintained in Nov and Dec 2022. Also, wholesale price rise has been lower than the consumer price rise for the first time. It means the input costs for producers is decreasing.  In the quarter of Oct-Dec 2022, inflation has...

 Environment and climate sustainability working group meeting for the first time to be held in Bengaluru from 9th to 11th Feb.  Host: Ministry of environment, forest, and climate change Delegates will visit Kalkere Arboritum and Banerghatta Biological Park at Bengaluru. First education group of g20 countries will meet from 31st Jan to 2nd Feb in Chennai.  The first international financial architecture working group meeting of g-20 under chairmanship of India will be held in Chandigarh from 30-31st Jan.