Посты канала Brajesh Mohan - Regulatory Exams

RBI to conduct USD-INR swap auction of $10 bn for 3 years’ tenor to inject liquidity

To meet durable liquidity needs of the banking system, the Reserve Bank of India (RBI) has decided on Friday (February 21) to inject rupee liquidity for longer duration through long-term USD-INR buy/sell swap auction.

The Reserve Bank of India (RBI), as part of its monetary policy interventions, executes the swap auctions.

How It Works?
First Leg (Buy Phase): Banks sell USD to RBI and receive Indian Rupees (INR).
Reverse Leg (Sell Phase): Banks buy back USD from RBI at a pre-determined price at the end of the swap period.

Impact on the Indian Economy:
— Improves Banking Liquidity: Injects Rs 86,000 crore into the banking system, addressing the current liquidity shortfall of Rs 1.7 lakh crore.
— Strengthens the Rupee: Reduces depreciation pressure on INR due to forex market fluctuations.
— Supports Economic Growth: Enables banks to lend more to businesses and industries, promoting investment and consumption.

Former RBI Governor Shaktikanta Das, appointed as Principal Secretary-2 to Prime Minister Narendra Modi

First time, Two Principal Secretaries to PM — P.K. Mishra is Principal Secretary to PM for last 5 years.

ECGC Pay Revision, Now its at par with LIC.

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NSDL and CDSL Launches Unified Investor App to Track Consolidated Portfolio.

This platform integrates MyEasi by CDSL and SPEED-e by NSDL, offering a consolidated view of shareholdings, investments, and financial statements.

By streamlining financial information across multiple accounts, the initiative aims to provide a secure and accessible solution for investors.

💼 Empowering Small Businesses: RBI proposes to do away with pre-payment levy on business loans taken by individuals/MSEs.

"REs, other than Tier 1 and Tier 2 Primary (Urban) Co-operative Banks and Base Layer NBFCs, shall not levy any charges/ penalties in case of foreclosure/ prepayment of floating rate loans granted to individuals and MSE borrowers, with or without co-obligant(s), for business purpose," an RBI's draft circular said.

However, in case of MSE borrowers, these instructions shall be applicable up to the aggregate sanctioned limit of Rs 7.50 crore per borrower, said the draft on 'Responsible Lending Conduct - Levy of Foreclosure Charges/ Pre-payment Penalties on Loans'.

The draft circular further said REs should permit foreclosure/ pre-payment of loans without stipulating any minimum lock-in period.

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IRDAI Grade A Final Result Out

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