English by Vishal parihar sir pdfs @english_by_vishal_prihar

English by Vishal parihar sir pdfs

13 Nov, 06:09

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English by Vishal parihar sir pdfs

06 Nov, 02:46

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05 Nov, 15:06

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05 Nov, 14:16

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English by Vishal parihar sir pdfs

05 Nov, 12:35

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05 Nov, 07:42

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05 Nov, 05:51

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05 Nov, 03:38

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05 Nov, 03:04

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English by Vishal parihar sir pdfs

05 Nov, 02:46

05 Nov, 2024 - Daily Current Affairs
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28 Oct, 14:24

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English by Vishal parihar sir pdfs

28 Oct, 13:16

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28 Oct, 12:56

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28 Oct, 11:22

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28 Oct, 10:57

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English by Vishal parihar sir pdfs

28 Oct, 03:37

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English by Vishal parihar sir pdfs

28 Oct, 03:01

28 Oct, 2024 - Daily Current Affairs
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269

English by Vishal parihar sir pdfs

26 Oct, 14:47

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26 Oct, 06:35

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26 Oct, 05:46

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English by Vishal parihar sir pdfs

26 Oct, 03:19

क्षेत्रीय ग्रामीण बैंकों (RRBs) की स्थापना भारत में मुख्यतः ग्रामीण क्षेत्रों में बैंकिंग सेवाओं को विस्तारित करने और ग्रामीण विकास को बढ़ावा देने के उद्देश्य से की गई थी। जबकि राष्ट्रीयकृत बैंक पहले से ही मौजूद थे, RRBs की आवश्यकता निम्नलिखित कारणों से थी:

1. ग्रामीण क्षेत्रों में पहुंच: राष्ट्रीयकृत बैंक अक्सर शहरी और अर्ध-शहरी क्षेत्रों में अधिक केंद्रित रहते थे, जबकि RRBs का मुख्य उद्देश्य ग्रामीण और दूरस्थ क्षेत्रों में बैंकिंग सेवाएं उपलब्ध कराना था।

2. लघु और सीमांत किसानों को सहायता: RRBs की स्थापना का प्रमुख उद्देश्य छोटे और सीमांत किसानों को ऋण सुविधा प्रदान करना था, जो सामान्यतः बड़े बैंकों की पहुंच से बाहर रह जाते हैं।

3. क्षेत्रीय आवश्यकताओं के अनुरूप सेवाएं: RRBs को इस तरह डिजाइन किया गया कि वे स्थानीय जरूरतों और क्षेत्रीय विकास पर ध्यान केंद्रित कर सकें। उनकी संरचना और कार्य प्रणाली स्थानीय आवश्यकताओं को ध्यान में रखकर बनाई गई थी।

4. सरल प्रक्रियाएँ: RRBs में ऋण और अन्य वित्तीय सेवाओं की प्रक्रियाएँ आसान और सरल होती हैं, ताकि ग्रामीण ग्राहक आसानी से समझ सकें और लाभ उठा सकें।

5. ग्रामीण क्षेत्रों में आर्थिक विकास: RRBs ने ग्रामीण अर्थव्यवस्था को बढ़ावा दिया, जिससे कृषि और अन्य ग्रामीण गतिविधियों में आर्थिक स्थिरता आ सकी।

6. नियंत्रण और निगरानी की सुविधा: चूँकि RRBs का संचालन सीमित क्षेत्र में होता है, इसलिए उनकी गतिविधियों की निगरानी और प्रशासनिक नियंत्रण राष्ट्रीयकृत बैंकों की तुलना में अधिक प्रभावी होता है।

7. सामाजिक समावेशन: RRBs ने ग्रामीण और पिछड़े वर्ग के लोगों को बैंकिंग प्रणाली से जोड़ने में महत्त्वपूर्ण भूमिका निभाई, जिससे समग्र वित्तीय समावेशन को बढ़ावा मिला।

8. कृषि और ग्रामीण उद्योगों को बढ़ावा: RRBs ने कृषि, कुटीर उद्योग, हस्तशिल्प और छोटे व्यवसायों को वित्तीय सहायता दी, जिससे ग्रामीण क्षेत्रों में रोजगार के अवसर बढ़े।

9. आसान ऋण और ब्याज दरें: RRBs ने ग्रामीण ग्राहकों के लिए ऋण की प्रक्रिया को आसान और कम ब्याज दरों के साथ उपलब्ध कराया, जिससे उन्हें कर्ज की आसानी हुई।

10. समग्र राष्ट्रीय विकास में सहयोग: RRBs ने ग्रामीण और दूरस्थ क्षेत्रों को वित्तीय सेवाएँ देकर पूरे देश के संतुलित विकास में योगदान दिया।

अतः RRBs ने राष्ट्रीयकृत बैंकों के साथ मिलकर ग्रामीण विकास और समावेशी बैंकिंग के लक्ष्यों को प्राप्त करने में सहायक भूमिका निभाई।

281

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26 Oct, 03:19

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272

English by Vishal parihar sir pdfs

26 Oct, 03:19

KCC stands for Kisan Credit Card, a government initiative in India launched in 1998 to provide farmers with timely access to credit. It was introduced by the Reserve Bank of India (RBI) and the National Bank for Agriculture and Rural Development (NABARD) to support farmers in meeting their agricultural and allied needs.

### History and Purpose:
1. Launch: The Kisan Credit Card was introduced in 1998 to simplify the credit delivery system for farmers.
2. Main Objective: It aims to provide farmers with short-term formal credit for crop cultivation, consumption requirements, and post-harvest expenses, reducing dependency on informal moneylenders.
3. Scheme Extension: Initially designed for crop loans, KCC has expanded to include term loans for agriculture and allied activities like animal husbandry, fisheries, etc.
4. Card Issuance: Banks issue the KCC to eligible farmers, giving them a credit limit based on landholding and crop patterns.
5. Interest Subvention: Farmers can avail of subsidized interest rates (as low as 4% annually, with timely repayments), making credit cheaper.

### How KCC Helps:
1. Access to Funds: Farmers get easy access to loans for purchasing seeds, fertilizers, pesticides, etc.
2. Timely Credit: Immediate access to credit prevents delays in agricultural activities.
3. Flexible Withdrawals: Farmers can withdraw from their KCC account as needed during the farming season.
4. Reduced Dependence on Informal Loans: Farmers don't need to rely on high-interest moneylenders, ensuring fair credit terms.
5. Insurance Cover: KCC holders also get personal accident insurance, offering financial protection against disability or death.
6. Extended to Allied Activities: The scheme now covers farmers involved in animal husbandry, fisheries, etc., enhancing overall rural income.

Overall, the KCC helps in streamlining access to institutional credit, improving productivity, and ensuring financial security for farmers.

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25 Oct, 15:09

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25 Oct, 14:02

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25 Oct, 12:54

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25 Oct, 11:04

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25 Oct, 03:41

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25 Oct, 02:41

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English by Vishal parihar sir pdfs

24 Oct, 16:28

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24 Oct, 02:36

24 Oct, 2024 - Daily Current Affairs
8 AM (Live)

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https://www.youtube.com/live/pn3Gr9pAN_M?si=HEVrY1SHhQmdg-w8
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318

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23 Oct, 14:57

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23 Oct, 13:35

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352

English by Vishal parihar sir pdfs

23 Oct, 10:42

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