Most Commonly Used Banking Terms.
Most Commonly Used Banking Terms.
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- Bank Rate : It is the rate of interest charged by a central bank to commercial banks on the advances and the loans it extends.
- Bouncing of a cheque : When an account has insufficient funds the cheque is not payable and is returned by the bank for a reason "Exceeds arrangement" or "funds insufficient".
- CRR (Cash Reverse Ratio) : The amount of funds that a bank keep with the RBI. If the percentage of CRR increases then the amount with the bank comes down.
- Cheque : It is written by an individual to transfer amount between two accounts of the same bank or a different bank and the money is withdrawn from the account.
- Core Banking Solutions (CBS) : In this, all the branches of the bank are connected together and the customer can access his/her funds or transactions from any other branch.
- Debit Card : This is a card issued by the bank so the customers can withdraw their money from their account electronically.
- Demat Account : The way in which a bank keeps money in a deposit account in the same way the Depository company converts share certificates into electronic form and keep them in a Demat account.
- E-Banking : It is a type of banking in which we can conduct financial transactions electronically. RTGS, Credit cards, Debit cards etc come under this category.
- EFT (Electronic Fund Transfer) : In this, we use Automatic teller machine, wire transfer and computers to move funds between different accounts in the different or same bank.
- Fiscal Deficit : It is the amount of Funds borrowed by the government to meet the expenditures.
- Initial Public Offering (IPO) : It is the time when a company makes the first offering of the shares to the public.
- Leverage Ratio : It is a financial ratio which gives us an idea or a measure of a company’s ability to meet its financial losses.
- Liquidity : It is the ability to convert an investment quickly into cash with no loss in value.
- Market Capitalization : The product of the share price and a number of the company’s outstanding ordinary shares.
- Mortgage : It is a kind of security which one offers for taking an advance or loan from someone.
- Mutual Fund : These are investment schemes. It pools money from various investors in order to purchase securities.
- Pass Book : It is a book where all the bank transactions are recorded.They are mainly issued to Current or Savings Bank account holders.
- Repo Rate : Commercial banks borrow funds from the RBI if there is any shortage in the form of rupees. If this rate increases it becomes expensive to borrow money from RBI and vice versa.
- SLR (Statutory Liquidity Ratio) : It is the amount that a commercial bank should have before giving credits to its customers which should be either in the form of gold, money or bonds.
- Savings Bank Account : This is an account of nominal interest which can only be used for personal purpose and which has some restrictions on withdrawal.
- Teller : He/she is a staff member of the bank who cashes cheques, accepts deposits and perform different banking services for the general mass.
- Universal Banking : When financial institutions and banks undertake activities related to banking like investment, issue of debit and credit card etc then it is known as universal banking.
- Virtual Banking : Internet banking is sometimes known as virtual banking. It is called so because it has no bricks and boundaries. It is controlled by the world wide web.
- Wholesale Banking : It is similar to retail banking with a slight difference that it mainly focuses on the financial needs of the institutional clients and the industry.
- Zero Coupon Bond : It is a bond that is sold at a good discount as it has no coupon.
കേരളത്തിലെ പ്രധാന സ്വരൂപങ്ങൾ
ആറങ്ങോട്ടു സ്വരുപം വള്ളുവനാട് .
ഇളയിടത്ത് സ്വരൂപം കൊട്ടാരക്കര .
ഏളങ്ങല്ലൂർ സ്വരൂപം ഇടപ്പള്ളി .
തരൂർ സ്വരൂപം പാലക്കാട് .
താന്തർ സ്വരൂപം വെട്ടത്തു നാട് .
തൃപ്പാപ്പൂർ സ്വരൂപം തിരുവിതാംകൂർ .
ദേശിങ്ങനാട്ടു സ്വരൂപം കൊല്ലം .
പടിഞ്ഞാറ്റേടത്ത് സ്വരൂപം കൊടുങ്ങല്ലൂർ .
പിണ്ടി വട്ടത്തു സ്വരൂപം പറവൂർ .
പെരുമ്പടപ്പ് സ്വരൂപം കൊച്ചി .
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1.ഖാരിഫ് .
ജൂൺ-ജൂലൈയിൽ തുടങ്ങി സെപ്തം.- ഒക്ടോബറിൽ വിളവെടുകുന്നു.
മഴക്കാല കൃഷി.
ഉദാ: നെല്ല്, ചോളം, പരുത്തി, ജോവർ,.
ബജ്റ, റാഗി, ചണം.
2. റാബി .
ഒക്ടോ- ഡിസംബറിൽ തുടങ്ങി എപ്രിൽ-മെയ്യിൽ വിളവെടുകുന്നു.
മഞ്ഞുകാല കൃഷി.
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ആദ്യ കാർട്ടൂൺ മ്യൂസിയം: കായംകുളം.
ആദ്യ ക്രൈം മ്യൂസിയം: തിരുവനന്തപുരം.
ആദ്യ തേക്ക് മ്യൂസിയം: വെളിയന്തോട് ( നിലമ്പൂർ ).
ആദ്യ പോലീസ് മ്യൂസിയം: കൊല്ലം.
ആദ്യ വാട്ടർ മ്യൂസിയം: കോഴിക്കോട്.
ആദ്യ സോയിൽ മ്യൂസിയം: തിരുവനന്തപുരം.
ഇട്ടി അച്യുതൻ ഹോർത്തൂസ് മലബാറിക്കസ് മ്യൂസിയം: ചാലിയം.
ഇന്ത്യൻ ബിസിനസ് മ്യൂസിയം: ചാലിയം.
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