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written by an individual to transfer amount between two accounts of the same bank or a different bank and the money is withdrawn from the account.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.
കുമാരനാശാൻ .
മലയാളകവിതയുടെ കാല്പനിക വസന്തത്തിനു തുടക്കം കുറിച്ച കവിയാണ് എൻ. കുമാരനാശാൻ (ഏപ്രിൽ 12, 1873 - ജനുവരി 16, 1924). ആധുനിക കവിത്രയത്തിലൊരാളുമാണ് കുമാരനാശാൻ. ആശയ ഗംഭീരൻ, സ്നേഹ ഗായകൻ എന്നിവ അദ്ദേഹത്തിന്റെ വിശേഷണങ്ങളാണ്. പുത്തൻ കടവത്ത് നാരായണൻെറയും കൊച്ചുപെണ്ണ് എന്ന കാളി അമ്മയുടേയും രണ്ടാമത്തെ മകനായി 1873 ഏപ്രിൽ 12ന് തിരുവനന്തപുരത്തെ കായിക്കരയിൽ തൊമ്മൻവിളാകം കുടുംബ...
ഇന്ത്യൻ സ്വാതന്ത്ര്യസമര ചരിത്രത്തിലെ ഏറ്റവും രക്തരൂഷിതമായ സംഭവമാണ് 1919 ഏപ്രിൽ 13ലെ ജാലിയൻവാലാബാഗ് കൂട്ടക്കൊല. ബ്രിട്ടീഷ് പോലീസ് ഉദ്യോഗസ്ഥനായ ബ്രിഗേഡിയർ ജനറൽ റെജിനാൾഡ്.ഇ.എച്ച്.ഡയർ ആണ് ഈ കൂട്ടക്കൊലക്ക് ഉത്തരവ് നൽകിയത്. 13 ഏപ്രിൽ 1919 ന് ഒരു കലാപത്തെക്കുറിച്ച് സൂചനകിട്ടിയ ജനറൽ ഡയർ എല്ലാത്തരത്തിലുള്ള മീറ്റിങ്ങുകളും നിരോധിച്ചു. ഈ സമയത്ത് ഏതാണ്ട് ഇരുപതിനായിരത്തിനടുത്തു വര...
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