RBI’s Major Functions

• Supervisory & Regulatory

• Promotional & Developmental

• Refinance Activities
 RBI’s Major Functions
• Supervisory & Regulatory

• Promotional & Developmental

• Refinance Activities
 RBI’s Major Functions
SUPERVISORY & REGULATORY

IS S U A N C E C R E D IT EXCHANGE TRANSFER
OF C O N TR O L C O N TR O L O F FUNDS
CURRENCY
NO TES
 RBI’s Major Functions
• Supervisory & Regulatory

• Promotional & Developmental

• Refinance Activities
 RBI’s Major Functions
PROMOTIONAL & DEVELOPMENTAL

B a n k e r to B a n k e r to F in a n c e T r a in in g
G o v e rn m e n t B a n k e rs

A g r ic u lt u r e

In d u s try

E x p o rts
 RBI’s Major Functions
• Supervisory & Regulatory

• Promotional & Developmental

• Refinance Activities
 RBI’s Major Functions
REFINANCE ACTIVITIES

LENDER O F LAST RESO RT R E F IN A N C E O P E R A T IO N S

 BANKER - CUSTOMER
RELATIONSHIP
• Definition

• Rights & Obligations

• Deposit Accounts

• Loan Accounts
 BANKER - CUSTOMER
RELATIONSHIP
• Definition

• Rights & Obligations

• Deposit Accounts

• Loan Accounts
 BANKER - CUSTOMER
RELATIONSHIP
Deposit Accounts

DEMAND TER M O THERS

CURRENT F IX E D C E R T IF IC A T E O F D E P O S IT

S A V IN G S C U M U L A T IV E F L E X I-D E P O S IT

R E C U R R IN G
 BANKER - CUSTOMER
RELATIONSHIP
• Definition

• Rights & Obligations

• Deposit Accounts

• Loan Accounts
 BANKER - CUSTOMER
RELATIONSHIP
Loan Accounts

DEMAND TER M O TH ER S

W O R K IN G C A P IT A L F IN A N C E F IX E D N O N -F U N D B A S E D F IN A N C E

C A S H C R E D IT R E T A IL B IL L S F IN A N C E

OVERDRAFT CONSUMER

HO M E LO AN
 NEGOTIABLE INSTRUMENTS

TYPES

P R O M IS S O R Y N O T E S CHEQUES B IL L S O F E X C H A N G E

BEARER ORDER
DEMAND USANCE S IG H T USANCE
CROSSED UNCROSSED
 NEGOTIABLE INSTRUMENTS
BANKER’S DUTIES & RESPONSIBILITIES

PAYMENT OF CHEQUES C O L L E C T IO N O F C H E Q U E S

P A Y M E N T IN D U E C O U R S E H O L D E R IN D U E C O U R S E

APPAR ENT TENO R P A Y M E N T IN G O O D F A IT H W IT H O U T N E G L IG E N C E C O N S ID E R A T IO N B E F O R E M A TU R I T Y TI T L E

 5 C’s for Credit Appraisal
• CHARACTER
• CAPITAL
• CAPACITY
• COLLATERAL
• CONDITION
 FINANCIAL SERVICES

• Objectives
• Markets
• Instruments
• Regulatory
 FINANCIAL SERVICES

• Objectives
• Markets & Instruments
• Regulatory
 FINANCIAL SERVICES
MARKETS & INSTRUMENTS

C A P IT A L M A R K E T MONEY MARKET M U TUAL FUN DS IN S U R A N C E

SEBI RBI AM FI IR D A
 Recent Developments

• Banking and Technology

• Basel II Accord
• Universal Banking