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banking terms

By Victor S. Fischer
  ✍️ CRR Cash Reserve Ratio is the minimum fraction of total deposits of a bank’s customers that banks have to hold as reserves with the central bank. ✍️ SLR Statutory Liquidity Ratio is the ratio of liquid assets to the net demand and time liabilities. ✍️ LAF Liquid Adjustment Facility is a tool to allow banks to borrow money through repurchase agreements. It consists of repo and reverse repo operations. ✍️ MSF Marginal Standing Facility allows scheduled banks to borrow funds overnight from RBI against approved government securities. ✍️ MSS Market Stabilization Scheme is a monetary policy intervention by RBI to withdraw excess liquidity by selling government securities in the economy. ✍️ OMO Open Market Operations refers to the buying and selling of government securities in the open market so as to expand or contract the amount of money in the banking system. ✍️ REPO Repo...
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Rocks

By Victor S. Fischer
Rocks: The solid part of the  earth crust  is called rocks. Rocks may not always necessarily be hard. Minerals are obtained from rocks. Types of Rocks: Igneous Rocks: Igneous rocks are  crystalline  solids which form directly from the cooling of magma. This is an  exothermic  process (it loses heat) and involves a phase change from the liquid(magma) to the solid state. The earth is made of igneous rock - at least at the surface where our planet is exposed to the coldness of space. Igneous rocks are given names based upon two things: composition (what they are made of) and texture (how big the crystals are). These rocks are  harder and granular . There is no layer in igneous rocks and fossils are not found in igneous rocks. Rocks formed by the cooling of the molten matter beneath the earth surface are called  intrusive igneous rocks and are crystalline rocks. ...
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All the Important Rivers

By Victor S. Fischer
River River is the biggest source of water. Rivers provide us water to drink, irrigation, electricity, cook, clean things and easy & cheap transportation.  It is also a source of fresh water that flowing naturally towards an ocean, lake, sea or another river. Rivers flow in channels. The bottom of channel is called the bed and sides of the channel are called the banks. Sometimes a river flows into the ground and becomes dry at the end of its course without reaching another body of water. Rivers begin at their source in higher ground such as mountains or hills, where rain water or melting snow collects and forms tiny streams. When one stream meets another and they merge together, the smaller steam is known as a tributary. It takes many tributary streams to form a river. As a river flows, it carries along material or debris, called its load. A river’s load includes rocks, stones and other large particles, which are washed along the river bed....
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Water Transport

By Victor S. Fischer
India has an extensive network of inland waterways in the form of rivers, canals, backwaters and creeks. The waterways of the country have been divided into internal waterways and oceanic waterways. The following waterways have been declared as National Waterways: NW1 -  Allahabad to Haldia -  1620 Km NW2 -  Sadia to Dhubri on Brahmaputra River -  891 Km NW3 -  Kollam to Kottapuram  - 168 km NW4-   Kakinada to Marakkannam along Godavari and Krishna river -  1095 km NW5-   Mangalgarhi to Paradeep and Talcher to Dhamara along Mahanadi and Brahmini -  623 Km 12 - Major Ports in India Western Coast Tidal Port  – (Child of Partition) –  Gujarat Mumbai  – (Busiest and biggest) -  Maharashtra JL Nehru-  (Fastest growing) -  Maharashtra Marmugao  – (Naval base also) –  Goa Mangalore  – (Exports Kudremukh iron–ore) ...
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Important Notes on Indian Soil and Agriculture

By Victor S. Fischer
Types of Soil India is an Agrarian country & Soil is its prime resource. It plays a vital role in the economy of India as our industries are mainly  Agro-based . About  65 to 70%  of the total population of the country is depended on agriculture. Generally, there are six types of soil found in India Alluvial Soil Regur or Black Soil Red Soil Laterite Soil Desert Soil Mountain Soil 1. Alluvial Soil Deposition of materials by sea and river is called alluvium  and the soil formed due to deposition of alluvium is called as alluvial soil. This type of soil mainly found in the  Indo-Ganga and Brahmaputra plain  i.e. the whole northern plain and in some parts of the river basin in the south and some plateau region. This soil is also found in the deltas of the Mahanadi, Godavari, Cauvery and Krishna. Alluvial so...
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IMPORTANT TEMPLES OF INDIA

By Victor S. Fischer
Temple which is called “ Mandira” in Sanskrit  is a house of workship. Temples in India reflect the cultural glory and history of a place. In India, temple is considered as a place where human spiritually connect with God. Temples are built on the principles of vastushastra, known  as “Shilpa Shashtra” . It is a symbolic, miniature representation of the cosmos. 1. Amarnath Temple Located at - Jammu and Kashmir Discovered-  150 years ago . Primary Deity -  Lord Shiva Famous For - The temple is famous for lord Shiva’s Linga which is in the cave. The cave is situated at an altitude of 3,888 m  (12,756ft), about 141 km from Srinagar and one can reach through Pahalgam Town. The cave is covered with snow whole year except for a short period of time in summer when it is open for pilgrims. The cave waxes during May to August, as snow melts in the Himalayan above the cave and the resultant wa...
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Types of Winds

By Victor S. Fischer
Winds: The Wind is the movement of air caused by the uneven heating of the Earth by the Sun. Sometimes the wind blows gently, refreshing us. At other times, it blows strongly creating storms that cause widespread damages. We need measurements of two quantities: direction and speed, to give a description of the wind. Types of Winds: Trade Winds: A wind blowing steadily towards the  equator  from the north-east in the  northern hemisphere  or the southeast in the  southern hemisphere,  especially at sea. They blow from the  Subtropical High-Pressure Belt to the Equatorial Low-Pressure Belt  in the tropics between 30°. North and 30° South latitudes. They blow as the  N.E. Trades  in the Northern Hemisphere and as the  S.E. Trades  in the Southern Hemisphere. The name "Trade" is derived from a nautical expression "to blow tread" meaning to blow along a regul...
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Important Facts of Solar System

By Victor S. Fischer
We live on the planet named ‘Earth’. Likewise, Earth also exists in its home with other 7 planets, only star ‘Sun’ and many other small objects called asteroids, comets, dwarf planets, meteors etc. So basically the Solar system is a system of Sun, 8 planets, dwarf planets, asteroids, meteors and comets under the gravitational influence of the Sun. Origin There are 3 to 4 major theories of the evolution of the universe and ultimately of the solar system. The prominent theory among all of these is  Big Bang theory . According to this theory proposed  by Georges Lemaitre , the universe is evolved from a small singularity and then expands over the next 13.8 billion years and still expanding. It led to the formation of many billions of galaxies, solar systems, stars etc. Our solar system lies in a spiral-shaped galaxy called  ‘Milky Way’ . The nearest galaxy to us is  ‘Andromeda’ . Generally, there is a Black hole at the centre o...
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Important Revolutions in India

By Victor S. Fischer
Green Revolution   -   Food grains  Grey Revolution –   Fertilizer Pink Revolution -   Onion production/Pharmaceutical (India)/Prawn production  Red Revolution -   Meat & Tomato Production  Yellow Revolution -   Oil Seeds production Evergreen Revolution -   Overall development of Agriculture  Black Revolution -   Petroleum Production  Blue Revolution -   Fish Production  Brown Revolution -   Leather/nonconventional (India)/Cocoa production  Golden Fiber Revolution -   Jute Production  Golden Revolution -   Fruits/Overall Horticulture development/Honey Production  Round Revolution –   Potato  Silver Fiber Revolution –   Cotton  Silver Revolution –   Egg and Poultry Production  White Revolution (In India: Operation Flood) -  Milk/Dairy production  Known as Fa...
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Geography One Liner⭐

By Victor S. Fischer
🍫Important & Expected Questions🍫 1. The first person to use the word geography was – Erastosthenes (276 – 194 BC) 2. The First presented the India on the world map – Tolmie 3. 10 latitude give the seperatio of – 111 kms 4. 10 Longitude is equal to – 4” (minutes) 5. The Closest capital to tropic cancer – Ranchi 6. Which are the 3 states capitals above to Tropic of Cancer – Jaipur, Aizwol, Agarthala 7. The atmosphere layer which reflects radio - waves is known as – Ionosphere 8. Which State is known as the name of Black Water? -Andaman and Nicobar 9. Which latitude divides India into two parts? – 23 ½ 10. The largest delta in the world is – The delta of Ganga 11. The type of climate in India is – Monsoon 12. Most of the iron in India is found in – Dharwar Rocks 13. Ozone layer is found in – Stratosphere 14. “Ring o...
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Inflation: Types, Causes, Effects and Remedies

By Victor S. Fischer
Inflation refers to a situation when there is an overall increase in the prices of goods leading to a general decline in the value o  Types We will discuss the two major types of inflation: 1 . Demand Pull Inflation:   Inflation arises when there is an increase in the supply of money but there is no corresponding increase in the supply of goods useful to the community. Accumulation of more money than before raises the purchasing power of people and stimulates the demand for goods but the supply of the latter being limited, the necessary consequence will be the inflation of the price level. Demand Pull Inflation thus means, in plain words, too much money chasing too few goods. 2. Cost Push Inflation:  When the prices of goods increases because of an increase in the cost of production, it is known as cost push inflation. What causes Inflation? Additional money put in the hands of people naturally creates in them a desire to spend more on goods. The sellers these commodities get more mone...
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The Big Bang Theory

By Victor S. Fischer
All the matter in the Universe was originally a concentrated lump called Primeral Atom. Big Bang was an explosion that occurred 15 billion years ago, leading to the formation of galaxies of Stars and other heavenly bodies. Since then , all the galaxies have been flying away from one another causing expansion of Universe. More content added soon..,... Read more Galaxy Universe Stars The Solar System Member Of Solor System
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Question and Answers on GST

By Victor S. Fischer
Question No.1: What kind of Taxes will GST replace? Central Excise Tax Service Tax Entertainment Tax All the types of taxes Answer:  GST will remove or replace all the types of taxes that will include Entry Tax, Luxury Tax, Purchase Tax, Octrol, Service Tax, Central Excise Tax etc on goods and services. Question No: 2 What does G stands for in GST? General Global Goods Great Answer:   G in GST stands for Goods and Service Tax Bill Question No: 3 What is GST officially called? GST is also known as The Constitution (One Hundred and Twenty-Second Amendment) Bill, 2014 Question No: 4 To what percent there will be economic growth in the country with the help of GST? The economic growth will be 1- 1.5% per year Question No: 5   What industries will GST benefit? GST will benefit Trade and agriculture industry the most Question No: 6 Will GST benefit Importers OR Exporters? GST will benefit exporters more than importers. Question No: 7 Which areas will be benefitted more by GST? GST will be mo...
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