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प्रश्न
Give reason or explain the following statement:
Overdraft facility is provided to current account holders.
उत्तर
Overdraft facility is provided to current account holders.
Explanation: Overdraft facility is one of the primary functions of commercial banks. Overdraft facility is generally given to current account holders. Under this facility, commercial banks allow their customers to withdraw the amount from a bank in excess of their balance. The bank specifies the maximum limit of overdraft. Rate of interest is charged on the amount overdrawn.
APPEARS IN
संबंधित प्रश्न
Accepting deposits from the public is the................................. function of Commercial Bank.
(secondary / general / primary / incidental)
The ratio of total deposits that a commercial bank has to keep with Reserve Bank of India is
called:( choose the correct alternative)
(a) Statutory liquidity ratio
(b) Deposit ratio
(c) Cash reserve ratio
(d) Legal reserve ratio
Explain the process of credit creation by commercial banks.
A bank is an institution which deals in money and _____________
(commodity money/credit/barter/standard money)
Explain the agency function of commercial banks.
Explain the various types of deposits.
Explain, with reason, whether you Agree or Disagree with the following statement.
Commercial banks provide many general utility services.
Explain the process of money creation by the commercial banks with the help of a numerical example.
Distinguish between the following :
Quantitative and Qualitative measures of credit control.
State whether the following statement is true or false.
The Cash Reserve Ratio does not affect the lending capacity of the commercial banks.
Explain with reason, whether you agree or disagree with the following statement:
Commercial banks perform agency functions to earn profit.
Write short notes (Any Two)
Types of loans of commercial bank.
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.
Answer with reasons whether you agree or disagree with the following statement:
The commercial banks perform many useful works for the people.
Fill in the blank with appropriate alternatives given below
__________ is a primary function of commercial banks.
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 |
State whether the following statement is True or False.
Credit money is created by the central bank of a country.
State whether the following statement is True or False.
There is no difference between primary deposit and secondary deposit of a commercial bank.
Define explain the following concept.
Fixed deposits
Define explain the following concept.
Discounting of bills
Give reason or explain the following statement:
Saving account deposits are usually opened by salaried class.
Write short note on:
E-banking facility
Write short note on:
Long term loans
Answer in detail:
Explain the process of credit creation.
Answer the following question.
Explain the money creation function of commercial banks.
Explain the functions of a commercial bank.
The Functions of commercial banks are broadly classified into ______.
CRR is ______
Which of the following points indicates that RBI is controlling the commercial banks?
Which of the following points states that the open market operation helps in controlling credit creation?
What is the effect of a rise in the rate of SLR on the creation of credit?
Which of the following are the functions of a commercial bank?
How Public debt imposes a burden on the economy as a whole?
Kalpana said that Commercial Bank is the controller of credit. Geeta said that the Central Bank is the controller of credit. Bobby said that both the commercial bank and the Central Bank are the controller of credit. Who among them is not correct?
In the present COVID-19 situation, many economists have raised their concerns that the Indian economy may have to face a deflationary situation due to reduced economic activities in the country. Suppose you are a member of the high-powered committee constituted by the Reserve Bank of India (RBl). You have suggested that as the supervisor of commercial banks, ______ (restriction/release) of the money supply be ensured by the Reserve Bank of India (RBI).
In the case of Gross Domestic Capital Formation, which one will be the part of it?
Identify the correctly matched pair of the items in Column A to that of Column B
| Column A | Column B | ||
| 1 | Money | (a) | Supply of Money |
| 2 | Commercial Bank | (b) | Store of Value |
| 3 | Central Bank | (c) | Credit Control |
| 4 | M4 | (d) | Circulation of Money |
Railways is an example of:
Which of the following statements is not true?
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?
Ms. lqra Ansari, a teacher, was explaining in her class about various types of deposits with the commercial banks. She quoted that - "These deposits form a part of M1 measure of money supply and are payable on demand by the commercial banks."
Identify the type of deposits she was explaining about and choose the correct alternative:
- Demand Deposits
- Time Deposits
- Post Office Deposits
Explain the functions of commercial bank.
