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प्रश्न
Distinguish between:
Cash credit and overdraft facility
उत्तर
| Bases | Cash credit | Overdraft facility |
| Definition | A loan taken in the form of cash by anyone from the bank against some securities is called cash credit. | Commercial banks allow their customers to withdraw an amount from the bank in excess of their balance. |
| Drawers | Anyone can take a cash loan from banks against some securities. | Only current account holders can avail this facility. |
| Interest rate charged | They charge higher rates of interest against a cash loan. | They charge minimal rates of interest against an overdraft. |
APPEARS IN
संबंधित प्रश्न
Accepting deposits from the public is the................................. function of Commercial Bank.
(secondary / general / primary / incidental)
Explain the components of Legal reserve Ratio.
Explain the process of credit creation by commercial banks.
Fill in the blank using proper alternatives given in the bracket:
............................... is a primary function of commercial bank.
State whether the following statement is true or false.
The Cash Reserve Ratio does not affect the lending capacity of the commercial banks.
Give reason or explain the following statement:
Rate of interest on fixed deposit is high.
Write short note on :
Credit Creation.
Explain with reason, whether you agree or disagree with the following statement:
Commercial banks perform agency functions to earn profit.
Fill in the blank using proper alternatives given in the bracket:
.................consumption cannot be zero.
Write short Answer for the following question:
Explain various types of Bank Deposits ?
State whether the following statement is True or False with reason:
Commercial Banks cannot give interest on deposits.
Fill in the blank with appropriate alternatives given in the bracket :
Commercial banks create __________.
State whether the following statements are TRUE or FALSE:
Commercial banks play an important role in economic development.
Define of Explain the following concept:
Recurring deposit
State whether the following statements are True or False with reasons :
The interest is more on savings deposits.
Write explanatory notes or answer the following.
Explain the primary functions of Commercial bank.
State whether the following statements are True or False with reason:
Interest rate is more for fixed deposits.
Distinguish between:
Central Bank and Commercial Bank
Fill in the blank with appropriate alternatives given below
Deposits from __________ account can be withdrawn without any notice.
Fill in the blank with appropriate alternatives given below
Every loan creates a __________.
Match the following:
| Group A | Group B |
| 1. D-mat account | a. Current account |
| 2. Over draft facility | b. Agency function |
| 3. ATM facility | c. Share brokers |
| 4. Commercial bank | d. General function |
| 5. Credit creation | e. Recurring account |
| f. Profit making | |
| g. Central bank | |
| h. Commercial bank |
Define explain the following concept.
Fixed deposits
Define explain the following concept.
Safe deposit vault
Define explain the following concept.
Discounting of bills
Give reason or explain the following statement:
Overdraft facility is provided to current account holders.
Give reason or explain the following statement:
Saving account deposits are usually opened by salaried class.
Give reason or explain the following statement:
Rate of interest on fixed deposit is high.
Write short note on:
E-banking facility
State with reason whether you agree or disagree with the following statement.
A commercial bank create credit on the basis of primary deposit.
State with reason whether you agree or disagree with the following statement.
Commercial banks perform many general utility services.
What are the primary functions of commercial banks?
Answer in detail:
Explain the process of credit creation.
State whether the following statement is True or False :
Loans given by banks for a period of less than five years is known as long - term loan.
A Commercial Bank is an institution that provides services ______.
The Functions of commercial banks are broadly classified into ______.
Bank credit refers to ______.
The process of money creation or credit creation is done by ______
Which of the following points states that the open market operation helps in controlling credit creation?
M4 = ______ + Total deposits with the Post Office Saving Organization (excluding National Saving Certificate).
How Public debt imposes a burden on the economy as a whole?
If reserve ratio is 10% and primary deposit is ₹1,250 crores, the total deposit created by commercial banks will be ______
Demand deposits include ______
The word 'net' implies that ______ is to be included in the money supply.
If the total deposits created by commercial banks is 10,000 crores and legal reserve requirements are 10%, the number of initial deposits will be ______
Saving deposit in the Post office is a part of ______
The Narrow concept of money includes ______
It takes Rohan 30 minutes to do an economics assignment and one hour to do a finance assignment. What is the opportunity cost of you doing two economics assignments?
_________ is an institution that accept deposits for lending purposes.
