Banking/Financial Awareness (August 2016)

RBI :----> 


  1.  It imposed penalty on 4 Cooperative Banks of 1) Guwahati 2) Indapur 3) Pachora 4) Hyderabad 5) 2 banks of Raipur
  2. It asked Banks to grant loans to Women SHGs upto rs. 3 lakhs @ 7%p.a. , under National Rural Livelihoods Mission (NRLM) Aajeevika Scheme for 2016-17 . Women getting capital benefits under Swarnjayanti Gram Swarozgar Yojna (SGSY) will not be eligible. 
  3. It launched a website SACHET.org.in in a bid to curb illegal pooling of funds. 

SBI :--->

-------------has imposed 2 types of cheap Homeloans : 
(1) SBI Privilege Home Loan --- for govt. employees  
(2) SBI Shaurya Home Loan --- for defence personal 
Benifits :- 
Govt. employees are relaxed with installment tenure upto 75 years of age, Lower EMI burden post retirement and a concession of 0.05% on the home loan interest. 


FEDERAL BANK ----> 


  1. First Bank to distribute Gold coins  . It tied up with MMTC . 
  2. It tied up with Chillr for cashless transactions. 


ICICI, AXIS ,HDFC are among the top Global banks list on key return ratios.  


ICICI ----->  



  1.  launched a smartphone keyboard named iMOBILE SMART KEYS to make mobile payments easier.
  2. its MCLR rate decreased to 8.90 from 8.95%.   In MCLR, Interest rate of different types of customers are fixed in accordance with their risk.


DIPAM -----> (Department of Investment & Public Asset Mgmt.) has selected 4 investment        banks for the proposed share sale in HUDCO (Housing & Urban Development Corp. Ltd. ). They are :-

Nomura, SBI Caps, ICICI Securities, and IDBI Capital 


TATA CAPITA HOUSING LTD. started PRAPTI scheme @ 4% interest rate for people earning less than 6 lakh a year. 

                                                     The Scheme is divided into 2 parts : -
(1) Low income group (3-6 lakh)
(2) Weaker segment ( below 3 lakh)


1st Major port to finalize the terms of ECB -- Mumbai based container port --Jawaharlal Nehru Port , has signed an agreement with SBI + Development Bank of Singapore for external commercial borrowing of USD 400 Million.



KAR BACHAT YOJNA -- by Mahindra Mutual Fund 



According to American Multinational Banking Firm - Goldman sachs , Indian economy will grow 7.9 % in 2016-17 .Reasons:- Better monsoon, Key reforms, FDI Inflows,  Pay Hike.


RATAN P WATAL Committee :- set up to digitalize incentive payments like cash back schemes and tax rebates.  



YES BANK :-- 

-------------------launched a digital wallet- YES PAY mobile app for Android and iOS mobile for seamless bill payments . 


CANARA BANK :---->

-----------------------  launched EMPOWER app -- Unified Payment Interface app . HQ - Bengaluru 

RELIANCE Life CEO---                     Ashish Vohr

Chief of Bank Board Bureau-------     Vinod Rai 
UBI ( United Bank of India) MD ----   Pawan Kr. Bajaj 

Bank of Baroda + Fisdom -- Personal wealth mgmt. services.  


Govt. has set up an inflation target of 4% with the tolerance of + - 2% till march 2021. 


JAPAN has recorded the largest current a/c surplus in the first half of 2016


HDFC + MAX group's LIC business will merge


NPA increased by 4% from last year 


SYNDICATE BANK launched project ANANYA to improve digital banking services 


Union Bank of India + NPCI launched USSD based *99# mobile application for their customers. 


The first NASSCOM (Natiional Association of Software and Services) warehouse was launched at Rushikonda, Vishakhapatnam 
















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