UNIT 6 ­ INDIAN MONEY, BANKING & RBI

ECONOMY
S NO Chapters
1 Introduction / அ"#க%

2 Planning & NITI Aayog / &'ட)ட* ம,-% .& ஆேயா3

3 National Income / ேத5ய வ7மான%

4 Inflation / பண;3க%

5 Money & Banking – RBI / பண% ம,-% வ<=>ய*

6 Monetary Policy / பண?ய* ெகாAைக

7 Fiscal Policy & Source of Revenue / .&3 ெகாAைக & வ7வாC ஆதார%

8 Finance Commission & GST / .& ஆைணய% & EஎGH

9 External Sector / ெவIJறLM Nைற

10 Poverty / வ-ைம

11 Unemployment / ேவைல>Pைம

12 Agriculture / ேவளாRைம

13 Industrial Policy / ெதாS* ெகாAைக

14 Rural Growth / ஊரக வளUV5

15 Social Problems / சXகY ZரVசைனகA

Banking - வ"கிய&ய'
Banking - வ"கிய&ய'
Banking - வ"கிய&ய'
Primary Functions
• Accepting Deposits – Demand Deposits & Time
Deposits
• Advancing Loans
Secondary Functions
• Agency Functions – Collecting Cheques, Collecting
Income, Payments
• General Utility Services – Providing Locker, Issuing
traveller’s cheque, Dealing in Foreign Exchange,
Transferring funds,
(C) Other Functions / இதர பண'க)
(i) Money Supply / பண அள,-.
(ii) Credit Creation / கட0 உ2வா5க6
(iii) Collection of Statistics / .)ள,வ'வர7கைள
திர:;த<
•
Banking - வ"கிய&ய'
Banking - வ"கிய&ய'
Banking - வ"கிய&ய'
Banking - வ"கிய&ய'
Banking - வ"கிய&ய'
Banking
Banking - வ"கிய&ய'
Functions of RBI
1. Monetary Authority
2. The issuer of currency
3. The issuer of Banking License
4. Banker to the Government
5. Banker’s Bank
6. Lender of last resort
7. Act as clearing house
8. Custodian of foreign exchange reserves
9. Regulator of Economy
10.Managing Government securities
11.Regulator and Supervisor of Payment
and Settlement Systems
12.Developmental Role
13.Publisher of monetary data
14.Exchange manager and controller
15.Banking Ombudsman Scheme
1. பண அ$கார அைம*+
2. நாணய.ைத வழ23பவ4
3. வ25 உ7ம8 வழ23பவ4
4. அரசா2க.$:3 வ25யாள4
5. வ25யாள4 வ25
6. கைட= >ய:=?@ கடA வழ23பவ4
7. B4C இ@லமாகF ெசய@பH2கI
8. அJKய ெசலாவL ைக?M*NA பாOகாவல4
9. ெபாMளாதார.ைத ஒQ23பH.Oபவ4
10. அரR* ப.$ர2கைள K4வ5.த@:
11. ெசS.OதTA கUH*பாUடாள4 ம:V8
ேம:பா4ைவயாள4 ம:V8B4C அைம*+கI
12. ேம8பUH பL
13. பணXய@ ம:V8 இதர தரC ெவYZH
14. ப7வ4.தைன ேமலாள4 ம:V8 ெந\யாள4
15. வ25 3ைறB4*+ $Uட8
Banking - வ"கிய&ய'
Specialized Banks
(Regulation, Development & Refinance - ஒ"#$%ைற ேம+பா./ ம0நிதியள678)

1. National Bank for Agriculture and Rural Development – NABARD - 1982

2. ேதசிய வ(வசாய* ம,-* கிராம01ற3தி,கான வ5கிவள78சி – நபா7;
3. IDBI – Industrial Development Bank of India - இ=திய ெதாழி@ வள78சி வ5கி - 1964
4. SIDBI - Small Industrial Development Bank of India - இ=திய சி- ெதாழி@ வள78சி
வ5கி – 1990 (Lucknow)
5. National Housing Bank – NHB -ேதசிய வB;வசதி
A வ5கி – 1988 (New Delhi)
6. EXIM – Export Import Bank - ஏ,-மதி இறDEமதி வ5கி - 1982
7. RRB – Regional Rural Banks - வBடார ஊரக வ5கி - 1975
8. Cooperative Banks - HB;றI வ5கிகJ
9. Small Finance Bank - சிறிய நிதி வ5கி - 2016
10. Payment Bank - கBடண வ5கி- 2015
Banking - வ"கிய&ய'

• National Electronic Fund Transfer

• ேத#ய %&ன( )* ப,மா/ற1

• Real-Time Gross Settlement

• )க3ேநர ெமா7த )* ப,மா/ற1

• Immediate Payment Service

• உடன: பண1 ெச=7>1 ேசைவ

• Unified Payment Interface

• ஒBCDைணEத கFடண இைடHக1
MONEY / பண#
Money is anything that is generally
accepted as payment for goods and
services and repayment of debts and
that serves as a medium of exchange.
A medium of exchange is anything that is Evolution of Money பண7*& ப,ணாம வளIT#
widely accepted as a means of payments. • Barter System/ப.டமா&6 Gைற
• Metallic Standard /உேலாக(2Kட7
"ப,வI7தைனகJK ெபா$ ஏ&'(த*ைம
• Gold Standard / ெபா*( 2Kட7
ெகா.ட ஒ1 இைடLFMNகBOயாகP1,
• Silver Standard / ெவLM( 2Kட7’
ம23பளைவ ம&67 ம238ைன இBQR ைவ7தK
• Paper Currency Standard / கா;த3 பண( 2Kட7
ஆ;யவ&=ைன> ெச@A7 ஒ*றாகC7 இ13ப$
• Plastic Money/ ெந;O3 பண7
பண7 ஆF7"
• Crypto Currency / மைறF= - ெம@PகQ பண7
MONEY / பண#
MONEY / பண#
Contingent Functions !ைண$ப&க(
1. Basis of the Credit System • கட*+கான அ/$பைட
2. Money facilitates
distribution of National • பண0 ேத3ய வ6வா7 ப89:/;<
Income உத>?ற!
3. Money helps to Equalize
• இBCDைல$ பயFபாGகைள
Marginal Utilities and
Marginal Productivities ஒ$Jட>0, இBCDைல உ;பKC
4. Money Increases CறFகைள ஒ$Jட>0 பண0
Productivity of Capital
பயFபG?ற!
• பண0 LலதனKCF உ;பKC
Cறைன உயMK!?ற!:
MONEY / பண#
MONEY / பண#
Supply of Money

20
MONEY / பண#
• Supply of Money
• Money supply is a stock variable.
• RBI publishes information for four alternative
measures of Money supply, namely M1 ,M2
,M3 and M4 .
• M1 = Currency, coins and demand deposits
• M2 = M1 + Savings deposits with post office
savings banks
• M3 = M1 + Time deposits of all commercial
and cooperative banks
• M4 = M3 + Total deposits with Post offices.
• M1 and M2 are known as narrow money
• M3 and M4 are known as broad money
• The gradations are in decreasing order of
liquidity
 TNPSC Group 1 Prelims 2022 – Indian Economy Questions

RBI
 TNPSC Group 1 Prelims 2019 – Indian Economy Questions

RBI
 TNPSC Group 1 Prelims 2022 – Indian Economy Questions

RBI
 TNPSC Group 1 Prelims 2022 – Indian Economy Questions

RBI
Business Cycle –
வாண$ப&'ழ)சிய$- க0ட2க3
Business Cycle –
வாண$ப&'ழ)சிய$- க0ட2க3