Introduction Liquidity risk arises when a bank is unable to meet its financial obligations as they become due, thereby adversely affecting its financial stability. Effective liquidity risk management ensures that a bank maintains adequate funds to meet its obligations in a timely manner, thereby minimizing the likelihood of financial distress. This is particularly important because…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
Category Basic Pay/Slabs DA Rate (%) 1. Prior to 1-11-92: Current Slabs 2219 BP up to Rs. 1250 1486.73 BP: Rs. 1251–2000 1486.73 BP above Rs. 2000 1486.73 2. Retired on or after 1-11-92 up to 31-03-98: Current Slabs 2082 BP up to Rs. 2400 728.7 BP: Rs. 2401–3850 728.7 BP above Rs. 3850 728.7…
Definition and ImportanceLiquidity management refers to the strategic process by which an organization, particularly a financial institution, ensures the availability of sufficient cash or easily convertible liquid assets to meet its short-term financial obligations. This involves maintaining an optimal balance between holding enough cash to manage day-to-day operations and maximizing returns on surplus funds through…
Overview:Asset classification refers to the process by which banks and financial institutions categorize their loans and advances based on the level of credit risk and potential default. This classification is crucial for determining appropriate provisioning—i.e., the amount banks must set aside from their profits to cover potential loan losses. Adequate provisioning ensures financial stability and…
The Reserve Bank of India (RBI) has issued the Investment in Alternative Investment Funds (AIF) Directions, 2025, which were released today. These Directions will come into effect on January 1, 2026, or from an earlier date as determined by a Regulated Entity (RE) in accordance with its internal policy. The Directions apply to investments made…
The Basel framework—comprising Basel I, Basel II, and Basel III—establishes international standards for banking regulation, with a primary focus on capital adequacy, risk management, and market discipline. This framework is structured around three mutually reinforcing pillars, designed to promote the safety and soundness of the global banking system. Scope of Application Pillar 1: Minimum Capital…
