#Interest

Описание: ⭐ #RBI #InterestRates #MCLR #ExternalBenchmark #BankingAwareness #BankPromotionExam #JAIIB #CAIIB #BankExam #Finance #MoneyMarket #CommercialBanking ⭐
Master the RBI's critical Master Directions on Interest Rate on Advances with this high-level quiz. This video covers 13 essential MCQs designed to clarify the complex rules surrounding MCLR, External Benchmarks, and legacy systems like BPLR and Base Rate.
What you will learn in this video:
Definitions: Understanding "Advance against own deposit" and what qualifies as a Fixed Rate Loan.
Benchmarks: The difference between Internal (MCLR, Base Rate, BPLR) and External Benchmarks (Repo, T-Bills).
Operational Rules: Exemptions for agricultural advances, branch takeover guidelines, and the mandatory publication of specific MCLR maturities.
Calculation & Pricing: How MCLR is calculated (Negative carry, Operating costs) and the latest rules on "Spreads" for customer retention.
Timestamps & Effective Dates: Crucial dates for the implementation of External Benchmarks for MSEs and Medium Enterprises.
If you are preparing for Bank Promotion Exams, JAIIB, or CAIIB, these concepts are mandatory.
Like, Share, and Subscribe for more RBI circular updates!
⏱️ Timestamps:
00:21 - Question 1: Advance Against Own Deposit
02:05 - Question 2: External Benchmark Components
03:36 - Question 3: BPLR Sunset Date
05:00 - Question 4: Fixed Rate Loan Rules
06:39 - Question 5: Agricultural Advance Exemptions
08:49 - Question 6: Fixed vs Floating Options
10:13 - Question 7: MCLR Calculation Methodology
12:06 - Question 8: Base Rate Administration
13:46 - Question 9: MCLR Publication Maturities
15:09 - Question 10: Branch Takeover Rules
17:15 - Question 11: External Benchmark Effective Dates
19:13 - Question 12: Spread Rules & Customer Retention
21:00 - Question 13: MCLR Reset Periodicity

Disclaimer: This video is for educational purposes only. We are not affiliated with or endorsed by any bank. We are an independent educational content provider for bank promotion exams.
⭐ #RBI #InterestRates #MCLR #ExternalBenchmark #BankingAwareness #BankPromotionExam #JAIIB #CAIIB #BankExam #Finance #MoneyMarket #CommercialBanking ⭐
RBI ke "Interest Rate on Advances" Master Directions ko samajhna ab hua aasaan! Is video mein hum 13 most important MCQs cover kar rahe hain jo MCLR, External Benchmark, aur BPLR/Base Rate jaise complex topics ko clear karenge.
Is video mein aap seekhenge:
Definitions: "Advance against own deposit" mein kaun shamil hai aur Fixed Rate Loan ke rules kya hain.
Benchmarks: Internal (MCLR, Base Rate) aur External Benchmarks (Repo, T-Bills) ke beech ka antar.
Rules: Agricultural advances par monthly interest kyu nahi lagta aur branch takeover hone par customer ke paas kya rights hain.
Calculation: MCLR calculation mein 'Negative carry' aur 'Operating costs' ka role.
Updates: Customer retention ke liye 'Spread' kam karne ke naye niyam aur MSEs ke liye External Benchmark ki dates.
Bank Promotion Exams, JAIIB aur CAIIB ke liye ye concepts bahut zaroori hain.
Video pasand aaye to Like aur Subscribe zaroor karein!
⚠️ डिस्क्लेमर: ये वीडियो केवल शैक्षणिक उद्देश्य (Educational Purpose) के लिए है। हम किसी भी बैंक से संबद्ध या अधिकृत नहीं हैं।
RBI Master Direction, Interest Rate on Advances, MCLR, External Benchmark Rate, Base Rate, BPLR, Repo Rate, Bank Promotion Exam, JAIIB, CAIIB, Banking Awareness, Marginal Cost of Funds, Floating Rate Loans, Fixed Rate Loans, RBI Circulars, T-Bills, Spread Rules, Agricultural Advances, Branch Takeover, Financial Benchmarks India, RBI Guidelines 2025