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banking terms

  ✍️ 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...

International Boundary Lines

Radcliffe Line ‐  This boundary line is between  India and  Pakistan  drawn by  Sir Cyril Radcliffe  in 1947. Durand Line  - It is between Pakistan and Afghanistan McMahon Line  ‐ The boundary line between  India  and  China  to which China does not approve.It was demarcated by  Sir Henry McMahon 24th Parallel  ‐ The line which Pakistan claims should be the Demarcation line between  India  and  Pakistan, not accepted by India. Hindenberg Line  ‐ Boundary line between  Germany  and  Poland  to which German retreated in 1917  during the First World War. Oder‐Neisse Line  ‐ The boundary line between  Poland and East Germany. Mannerheim Line -  It is between Russia and Finland. Maginot Line -  The boundary line is between France and Germany. Siegfrid Line -  The boundary line is between F...

Rocks

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. ...

All the Important Rivers

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....

Water Transport

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) ...

Important Deserts of the world

Desert:  A desert is a barren area of land where little precipitation occurs and consequently living conditions are hostile for plant and animal life in desert their is less precipitation 1 . Continent:  Antarctica Desert Name:  Antartic 2. Continent:  Asia, Europe, North America Desert Name:  Arctic desert 3. Continent:  Asia Desert Name:  Karakum, Thar desert, Kyzylkum, Taklamakan, Arabian, Dasht-e Kavir, Dasht-e Lut, Gobi Desert 4.   Continent:  Africa Desert Name:  Kalahari, Namib, Sahara, 5.   Continent:  Australia Desert Name:  Gibson, Great Sandy, Great Victoria, Simpson, Tanami 6.  Continent:  Europe Desert Name:  Tabernas Desert 7.  Continent:  North America Desert Name:  Great Basin, Mojave, Sonoran 8.  Continent:  South America Desert ...

IMPORTANT TEMPLES OF INDIA

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...

Folk dances of different states

1 Andhra Pradesh Kuchipudi Kolattam 2 Arunachal Pradesh Bardo Chham 3 Assam Bihu dance Jhumur Naach Bagurumba Ali Ai Ligang 4 Jharkhand Karma/Munda 5 Chhattisgarh Panthi Raut Nacha Gaur Maria Dance 6 Goa Tarangamel Dashavatara Dekhni Dhalo Dhangar Fugdi Ghodemodni Goff Jagar Kunbi Mando Musal Khel Perni Jagar Ranamale Romta Mel Divlyan Nach (Lamp dance) Veerabhadra Morulo Tonayamel 7 Gujarat Garba Raas Tippani Dance 8 Himachal Pradesh Kinnauri Nati Namgen 9 Haryana Saang Chhathi Dance Khoria Dance Ras Leela Dhamal Dance Ghoomar Jhumar Dance Loor Dance Gugga Dance Teej Dance Phag dance Chaupaiya 10 Karnataka ...

Types of Winds

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...

Important Facts of Solar System

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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Idioms and phrases part II

26. Eat, sleep and breathe something - Meaning -  Being so enthusiastic and passionate about somehting that you think about it all the time. Example -  My son has recently learnt cycling. He eats, sleeps and breathes it now. 27. With bells on - Meaning -  When you are delighted and eager to go somewhere, you are said to go with bells on. Example -  The new year party at the beach is most awaited. I will be there - with bells on. 28. Fever pitch - Meaning -  When a feeling is very intense and exciting, it is said to be at a fever pitch. Example -  His love for music had reached a fever pitch before he became a world known musician. 29. Blood, sweat and tears - Meaning -  Something that requires a lot of effort and hard work. Example -  Being the team of Indian cricket team is not just a matter of luck for him, it is his blood, sweat and tears which has got him here. 30. Have on the brain - Meaning -  Thinking or talking about it all day long. Example -  He has just got engaged. Now, he ...

Blood safety and availability

Blood is needed every two seconds. Hospitals need blood for people who are injured, who undergo surgical procedures, organ transplants, cancer treatments, and treatment for other diseases that affect blood like sickle cell anemia and thalami. Blood can save life.    But the baddest side  is that  ability of blood is more less than in worldwide and if there where is blood that is quietly not safe due to improperly store and more reason.so I am presenting you the report of  WHO report of Blood safety and  availability .. Key Fact Of the 112.5 million blood donations collected globally, approximately half of these are collected in the high-income countries, home to 19% of the world’s population. In low-income countries, up to 65% of blood transfusions are given to children under 5 years of age; whereas in high-income countries, the most frequently transfused patient group is over 65 years of age, accounting for up to 76% of all transfusions. The blood donation rate in high-income countrie...

Idioms and phrases...

1. Acid Test: Meaning -  Acid test proves the effectiveness of something. Example -  I practiced hard at the dance sessions but the acid test will come when the master will assess our solo performances. 2. Cut the ground from under feet : Meaning -  When you cut the ground from under someone's feet, you do something which weakens their position. Example -  When team India hit more than 350 runs in the ODI, they cut the ground from under the opponent's feet. 3. Chase your tail: Meaning -  Spending a lot of time and energy doing a lot of things but actually achieving too little. Example -  He's been chasing his tail all week collecting data but the report is still not ready 4. Whole bag of tricks - Meaning -  Means trying all the clever means to achieve something. Example -  It was really difficult to find the information even after applying the whole bag of tricks. 5. Deliver the goods - Meaning -  Do what is expected or promised. Example -  I have given my car to a new mech...