Everyday English phrases:

1. It's on me - I will pay this bill 🧡(मैं इसका bill pay करूँगा)2. (It's) time to split - An announcement of one's desire or time to split (बांटना)3. I've had it up to here - I will not entertain any more of something 💚(किसी चीज़ की सीमा पार होना)4. Not for my money - Not as far as I am concerned (जब तक यह मुझसे सम्बंधित नहीं है)5. Not in my books - Not according to my views (विचारों के मुताबिक ना होना)6. Okay by me - That's fine with...

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दुनिया की वो जगह जिसका नाम लेना नामुमकिन! स्पेलिंग याद करने में छूट जाएंगे पसीने ।।

न्यूजीलैंड में हॉक की खाड़ी (Hawke’s Bay) में Porangahau के नजदीक स्थित एक पहाड़ी है जिसका नाम लेने में अच्छे-अच्छों के पसीने छूट जाएंगे. हालांकि शायद ही दुनिया में कोई शख्स ऐसा हो जिसे इस जगह की पूरी स्लेपिंग पता हो या वो अपनी मात्रभाषा में ही इसे एक बार में बोले सके. आप खुद पढ़ लीजिए अंग्रेजी में लिखे इस भारी भरकम नाम को जिसकी स्पेलिंग...

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Banking Awareness Notes on Moral Suasion🕹

Moral suasion refers to an appeal to morality to change or influence behaviour. Moral suasion under economics is defined as the attempt to coerce private economic activity through government exhortation in ways not already defined or dictated by existing statute law.The Reserve Bank of India (RBI) uses moral suasion as a qualitative instrument of monetary policy, unlike statutory liquidity ratio or cash reserve ratio.Moral Suasion is a request by...

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Impact or Effect of Inflation 📊

➨ Inflation affects the pattern of production, a shift in production pattern takes place from consumer goods to luxury goods.➨ On Investment: Inflation discourages entrepreneurs in investing as the risk involved in the future production would be very high with less hope for returns.Uncertainty about the future purchasing power of money discourages investment and savings.➨ Inflation also results in black marketing. Sellers may stock up the goods to...

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Concept of National Income 📖

National income estimates are the most reliable macroeconomic indicators of an economy. Therefore, it is essential for students to be aware of National Income Concepts. Changes in national income measure the rate of growth of the economy.Similarly, changes in the structure of national income of an economy reflect the changing significance of different sectors. In India,national income, as also per capita income, have been continuously increasing....

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अंग्रेजी में कुछ प्रसिद्ध मुहावरे और कहावतें।।

🪴चार दिन की चॉदनी फिर अंधेरी रात।A nine days wonder🪴चिराग तले अंधेरा।Nearer the church farther from heaven🪴खाेेदा पहाड निकली चुहिया।Much cry little wool🪴कर भला तो हो भला।Light reflects light🪴जिसकी लाठी उसकी भैंस।      Might is right.🪴भैंस के आगे बीन बजाना।      Crying in wilderness.🪴 चार दिन की चांदनी फिर अंधेरी रात।      A nine days wonder.🪴 आस्तीन का सांप।      Snake in the grass.🪴...

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क्या कभी सोचा है कि सोते वक्त पक्षी पेड़ से क्यों नहीं गिरते, हैरान कर देगी वजह 🦅

इंसान जब भी सोते हैं तो गहरी नींद (Sleep) में चले जाते हैं. आपने देखा ही होगा कभी मेट्रो के कोच में या किसी ऑटो में अगर किसी को नींद आती है तो उसका चेहरा नीचे की ओर लुड़कने लगता है. सोते समय इंसान (Humans) खुद को संतुलित नहीं रख पाता है. लेकिन पक्षियों के साथ ऐसा नहीं होता है. 🐦बहुत कम समय सोते हैं पक्षीइंसानों की तरह पक्षियों (Birds) को देर तक सोने की जरूरत नहीं होती है. पक्षियों के लिए गहरी नींद में जाने का समय केवल 10 सेकंड तक का होता है....

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अंतरराष्ट्रीय बाल श्रम निषेध दिवस

❇️ 12 JUNE🟢 World Day against Child Labour Theme 2022 : “Universal Social Protection to End Child Labour”💠 In 2002, the International Labour Organization declared June 12 as the World Day Against Child Labour💠 Constitution of India in the Fundamental Rights and the DPSP prohibits child labour below the age of...

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Instruments of Monetary Policy

There are several direct and indirect instruments that are used for implementing monetary policy.➖Repo Rate: The (fixed) interest rate at which the Reserve Bank provides overnight liquidity to banks against the collateral of government and other approved securities under the liquidity adjustment facility (LAF).➖Reverse Repo Rate: The (fixed) interest rate at which the Reserve Bank absorbs liquidity, on an overnight basis, from banks against the collateral...

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Shadow Banking System

The shadow banking system (or shadow financial system) is a network of financial institutions comprised of non-depository banks — e.g., investment banks, structured investment vehicles (SIVs), conduits, hedge funds, non-bank financial institutions and money market funds.Shadow banking institutions generally serve as intermediaries between investors and borrowers, providing credit and capital for investors, institutional investors, and corporations,...

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Board for Financial Supervision(BFS)

The Reserve Bank of India performs the supervisory function under the guidance of the Board for Financial Supervision (BFS). The Board was constituted in November 1994 as a committee of the Central Board of Directors of the Reserve Bank of India under the Reserve Bank of India (Board for Financial Supervision) Regulations, 1994.➡️ObjectiveThe primary objective of BFS is to undertake consolidated supervision of the financial sector comprising Scheduled...

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Call Money Rate

Call money rate is the rate at which short term funds are borrowed and lent in the money market.The duration of the call money loan is 1 day. Banks resort to these type of loans to fill the asset liability mismatch, comply with the statutory CRR and SLR requirements and to meet the sudden demand of funds. RBI, banks, primary dealers etc are the participants of the call money market. Demand and supply of liquidity affect the call money rate. A tight...

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Contagion

In economics and finance, a contagion can be explained as a situation where a shock in a particular economy or region spreads out and affects others by way of, say, price movements.The contagion effect explains the possibility of spread of economic crisis or boom across countries or regions. This phenomenon may occur both at a domestic level as well as at an international level. The failure of Lehman Brothers in the United States is an example of...

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Ques. What is full form of 'MSP'?

Ans.: MINIMUM SUPPORT PRICEExplanation:The minimum support price is an agricultural product price, set by the Government of India to purchase directly from the farmer. This is not enforceable by law. By definition, this rate is to safeguard the farmer to a minimum profit for the harvest, if the open market has lesser price than the cost incurr...

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Ques. What is the premium rate under Pradhan Mantri Fasal Bima Yojana for Kharif crops?

Ans.: 2%Explanation:There will be a uniform premium of only 2% to be paid by farmers for all Kharif crops and 1.5% for all Rabi crops. In case of annual commercial and horticultural crops, the premium to be paid by farmers will be only 5%. The premium rates to be paid by farmers are very low and balance premium will be paid by the Government to provide full insured amount to the farmers against crop loss on account of natural calamiti...

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Ques. Substandard assets are those which should not be extended by?

Ans.: 12 monthsExplanation:Categories of NPAs:Banks are required to classify non¬performing assets further into the following three categories based on the period for which the asset has remained non¬performing and the realisability of the dues:Sub-standard AssetsA sub¬standard asset would be one, which has remained NPA for a period less than or equal to 12 months. In such cases, the current net worth of the borrower/ guarantor or the current market...

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Ques. The Annual minimum amount in PPF should be?

Ans.: 500 RupeesExplanation:PPF allows a minimum investment of Rs 500 and a maximum of Rs 1.5 lakh for each financial year. Investments can be made in a lump sum or in a maximum of 12 instalmen...

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Ques. Kisan credit card scheme was prepared on the recommendations of which committee?

Ans.: R.V. GUPTA committeeExplanation:The Kisan Credit Card scheme is a credit scheme introduced in August 1998 by Indian banks. This model scheme was prepared by the National Bank for Agriculture and Rural Development on the recommendations of R.V.GUPTA committee to provide term loans for agricultural nee...

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Ques. What is the Maximum denomination of Currency Notes that can be printed in India?

Ans.: 10000 rupees  Ques. FCCB full form? Ans.: Foreign Currency convertible Bond Explanation:A foreign currency convertible bond (FCCB) is a type of convertible bond issued in a currency different than the issuer's domestic currency. In other words, the money being raised by the issuing company is in the form of foreign currency. A convertible bond is a mix between a debt and equity instrume...

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Ques. Cross cheque is payable by whom?

Ans.: Darwee Explanation:A crossed cheque is a cheque that is payable only through a collecting banker and not directly at the counter of the bank. Two parallel transverse lines, with or without any word, are generally drawn on the top left-hand corner of the cheque.Number of Parties involved with a ChequeUnder the cheque mode of fund payment, there are three parties which are involved for on-track movement of money through a written paper...

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Ques. Electronic holding of Shares replaced in paper securities called?

Ans.: Dematerialisation In finance and financial law, dematerialization refers to the substitution of paper-form securities by book-entry securiti...

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Loans and Advances

Loan is the amount borrowed from bank. The nature of borrowing is that the money is disbursed and recovery is made in installments. While lending money by way of loan, credit is given for a definite purpose and for a pre-determined period. Depending upon the purpose and period of loan, each bank has its own procedure for granting loan. However the bank is a liberty to grant the loan requested or refuse it depending upon its own cash position and...

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Non Performing Assets (NPA)

NPAs refer to loans which are in risk of default. Reserve Bank of India (RBI) defines NPAs as below:AN ASSET, INCLUDING A LEASED ASSET, BECOMES NON­-PERFORMING WHEN IT CEASES TO GENERATE INCOME FOR THE BANK.As per guidelines issued by the RBI, banks classify an account as NPA only if the interest due and charged on that account during any quarter is not serviced fully within 90 days from the end of the quarter.Conditions to become NPAAn asset becomes...

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Credit Creation by Commercial Banks ♦️

Creation of credit is an important function of a commercial bank. Prof. Sayers said “Banks are not merely purveyors of money but, also in an important sense manufacturers of money”. In a modern economy Bank’s deposits form a major proportion of total money supply.A bank’s demand deposits arise mainly from Cash deposits by customers and Bank Loans and Investments.👉🏻Cash Deposits By CustomersThese are termed as primary deposits as they arise from...

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Various instruments available in the money market

1. Treasury Bills (T-Bills): It is a short-term borrowing instrument issued by the Government of India. RBI, issue it on behalf of Government of India.➖ It is also known as zero coupon bonds.➖ It has a maturity of less than one year.➖ It is issued at discount and repaid at par.➖ It is in the form of a promissory note.➖ It is highly liquid and has negligible risk.➖ It is available in denominations of ₹ 25000 and its multiples.2. Commercial Paper:...

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Types of Currencies

HARD CURRENCY: It is the international currency in which the highest faith is shown and is needed by every economy.The strongest currency of the world is one which has a high level of liquidity.SOFT CURRENCY: A term used in the foreign exchange market which denotes the currency that is easily available in any economy in its forex market.HOT CURRENCY: Hot currency is a term of the forex market and is a temporary name for any hard currency.HEATED CURRENCY:...

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Important Financial/Economy Terms

🔹Soft CurrencySoft currency is a currency which is hyper sensitive and fluctuates frequently. Such currencies react very sharply to the political or the economic situation of a country. It is also known as weak currency due to its unstable nature. Such currencies mostly exist in developing countries with relatively unstable governments. Soft currencies cause high volatility in exchange rates as well, making them undesirable by foreign exchange...

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THIRD RTC

• The third Round Table Conference, held between November 17, 1932 and December 24, 1932, was not attended by the Indian National Congress and Gandhi. It was ignored by most other Indian leaders.• Apart from princely states representatives like Aga Khan III, B.R. Ambedkar, Muhammad Iqbal, M.R. Jayakar, N.M. Joshi etc. were present.• Again,...

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स्पोकेन इंग्लिश सीखने के 8 सुझाव ।।

1. अपना महौल English बनाएं :किसी भी भाषा को सीखने में जो एक चीज सबसे महत्त्वपूर्ण होती है वो है हमारा environment, हमारा माहौल. आखिर हम अपनी मात्र -भाषा छोटी सी ही उम्र में कैसे बोलने लगते हैं :- क्योंकि 24X7 हम ऐसे माहौल में रहते हैं जहाँ वही भाषा बोली , पढ़ी, और सुनी जाती है. इसीलिए अंग्रेजी बोलना सीखना है तो हमें यथा संभव अपने माहौल को English बना देना चाहिए. इसके लिए आप ऐसा कुछ...

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Exchange Earner’s Foreign Currency (EEFC) Account

 Exchange Earners’ Foreign Currency Account (EEFC) is an account maintained in foreign currency with an Authorised Dealer Category – I bank i.e. a bank authorized to deal in foreign exchange. It is a facility provided to the foreign exchange earners, including exporters, to credit 100 per cent of their foreign exchange earnings to the account, so that the account holders do not have to convert foreign exchange into Rupees and vice versa, thereby...

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Pradhan Mantri Mudra Yojana 2015 - Fund the Unfunded

☑️ Pradhan Mantri Mudra Yojana (PMMY) is a flagship program of Government of India to “fund the unfunded” basically through this scheme financial institutions like Micro Finance Institutions (MFIs), Non-Banking financial Companies (NBFCs), Small Finance Banks, RBRs, Commercial Banks, Cooperative Banks etc. will provide loans at very low rate to the new Ideas or Startups and people having a business plan in a Non-Farming Sector with Income generating...

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Blue Flag certified beaches in india

🔷 Shivrajpur beach (Dwarka) - Gujarat🔷 Ghoghla beach - Diu🔷 Padaburi and Kasarkod beach - Karnataka🔷 Kappad beach - Kerala🔷 Kovalam beach - Tamilnadu🔷 Eden beach - Puducherry🔷 Rushikonda beach - Andhra Pradesh🔷Golden beach - Odisha🔷 Radhanagar beach - Andaman and Nicobar islandsWhich institution gives the blue flag certification...

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LORD HASTINGS (1813-1823)

• Anglo-Nepal War (1814-16) & Treaty of Sagauli.• 3rd Maratha War (1817-19) and of Maratha Confederacy dissolution.• Strife with Pindaris (1817-18)• Treaty with Sindhia (1817)• Treaty of Sangli (1816)• Treaty of Poona (1817)• Ryotwari System - Thomas Munro (Gov. of Madras) (18...

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भारत-नेपाल द्विपक्षीय संबंध ..

समाचार में क्यों? :- बुद्ध पूर्णिमा के अवसर पर बौद्ध सांस्कृतिक केंद्र की आधारशिला रखने के लिए आयोजित एक समारोह में भाग लेने के लिए पीएम मोदी नेपाल के लुंबिनी गए।✓ भारत और नेपाल के बीच द्विपक्षीय संबंध • 1950 की शांति और मित्रता की भारत-नेपाल संधि भारत और नेपाल के बीच मौजूद विशेष संबंधों का आधार है।• इस संधि के तहत, नेपाली...

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सोवा - रिग्पा ( Sowa - Rigpa ) :-

#UPSC #UPPSC 🚩 आयुष मंत्रालय द्वारा लेह स्थित नेशनल इंस्टीट्यूट ऑफ सोवा रिग्पा एवं सिक्किम के नामग्याल इंस्टीट्यूट ऑफ तिब्बतोलॉजी ( एनआईटी ) के सहयोग से पूर्वोत्तर राज्यों में कार्यरत सोवा - रिग्पा चिकित्सकों के लिए राष्ट्रीय कार्यशाला का आयोजन किया जाएगा । 🚩 ' सोवा- रिग्पा ' को सामान्यतः ' आमची ' चिकित्सा पद्धति के रूप में...

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विदेशी मुद्रा भंडार के बारे में सब कुछ।।

समाचार में क्यों?  • भारतीय रिजर्व बैंक (RBI) ने मार्च 2022 को समाप्त छह महीनों के दौरान भारत की विदेशी मुद्रा (विदेशी मुद्रा) टोकरी में एक और 58 टन सोना जोड़ा, जिससे देश की सोने की होल्डिंग 760.42 टन हो गई।  • आरबीआई का स्वर्ण अधिग्रहण ऐसे समय में हुआ जब विदेशी पोर्टफोलियो निवेशक (एफपीआई) भारत छोड़ रहे थे और भारत का...

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एसोसिएशन ऑफ साउथईस्ट एशियन नेशंस (आसियान)

आसियान खबरों में क्यों?:-  राष्ट्रपति जो बिडेन ने चीन के बढ़ते दबदबे के सामने दक्षिण पूर्व एशिया के लिए दीर्घकालिक प्रतिबद्धता का वादा किया क्योंकि उन्होंने वाशिंगटन में पहले शिखर सम्मेलन के लिए आसियान नेताओं से मुलाकात की।  शिखर सम्मेलन 45 वर्षों में पहली बार आसियान नेताओं को व्हाइट हाउस में आमंत्रित किया गया है। 2016 में,...

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प्रधानमंत्री उज्ज्वला योजना ।।

 खबरों में क्यों ?  हाल ही में एक सूचना के अधिकार (RTI) आवेदन के जवाब में खुलासा हुआ कि वित्त वर्ष 2021-22 में प्रधानमंत्री उज्ज्वला योजना के 90 लाख लाभार्थियों ने अपना सिलेंडर नहीं भरा। साथ ही, 1 करोड़ से अधिक लाभार्थियों ने केवल एक बार अपने सिलेंडरों को रिफिल किया।  प्रधान मंत्री उज्ज्वला योजना के बारे में :-  •...

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इंटीग्रेटेड बैटल ग्रुप (IBG) क्या है?

 ✍ खबरों में क्यों हैं ?  हाल ही में, भारतीय सेना प्रमुख जनरल मनोज पांडे ने कहा कि सेना सितंबर, 2022 के अंत तक दो एकीकृत युद्ध समूहों (IBGS) को तैनात करने की योजना बना रही है। सेना ने पश्चिमी मोर्चे पर एक होल्डिंग फॉर्मेशन और उत्तरी पर एक स्ट्राइक फॉर्मेशन की पहचान की है। सीमाओं को चुस्त एकीकृत युद्ध समूहों (आईबीजी) में...

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मयिलाडुम्पराई ( Mayiladumparai ):-

✓[ हाल ही में , तमिलनाडु के कृष्णागिरी ज़िले में मयिलाडुम्पराई पुरातात्त्विक स्थल से लोहे के उपयोग के 4,200 वर्ष पहले के अर्थात् लगभग 2200 ईसा पूर्व के साक्ष्य पाए गए हैं । वर्तमान में यह लोहे का उपयोग करने वाला भारत में प्राचीनतम स्थल है ... ] ✍ यह लघुपाषाण काल ( 30,000 ईसा पूर्व ) और प्रारंभिक ऐतिहासिक ( 600 ईसा पूर्व ) युग के...

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Environmentally friendly plastics

Bio-plastics ● It is made from natural materials such as corn starch. Bio-plastics generally do not produce a net increase in carbon dioxide gas when they break down ● Good thing about bio-plastics is that they're compostable● They decay into natural materials that blend harmlessly with soil.Biodegradable plastics ● It is made from traditional petrochemicals, which are engineered to break down more quickly. ● They contain...

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Different Types of farming - Most Important Article

🟠Carbon FarmingCarbon farming (also known as carbon sequestration) is a system of agricultural management that helps the land store more carbon and reduce the amount of Greenhouse Gases (GHGs) that it releases into the atmosphere.⚫️Zero Budget natural farmingZero Budget Natural Farming (ZBNF) is a type of chemical-free farming where the total cost of growing and harvesting plants comes out to be zero .🟠Mixed farming Mixed farming is a type...

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UN Global Compact Initiative

● It was Launched in 2000● It is principle-based framework for businesses, stating 10 principles in areas of human rights, labor, environment and anti-corruption ● It is non-binding United Nations pact to encourage businesses and firms worldwide to adopt sustainable and socially responsible policies, and to report on their implementation● Under this Global Compact, companies are brought together with UN agencies, labor groups and...

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Earth Overshoot Day

● It fell on 29th July, 2021. ● Day marks the date when humanity’s demand for ecological resources and services in a given year exceeds what the Earth can regenerate in that year.● It was first conceived by Andrew Simms of the UK think tank New Economics Foundation, which partnered with Global Footprint Network in 2006 to launch the first global Earth Overshoot Day campaign.● Earth Overshoot Day = (Planet’s Biocapacity / Humanity’s Ecological...

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