📈 The Trend Never Fails: 1+ Question Guaranteed Every Year!

🎯 Every single year, Mains exams pick from these essential tools. Save this list and follow us to crack the GA section! 👇

1. Quantitative Tools

🔹 Cash Reserve Ratio (CRR) — Share of bank deposits held as cash with RBI.

🔹 Statutory Liquidity Ratio (SLR) — Liquid assets banks must maintain in gold or securities.

🔹 Repo Rate — Rate at which RBI lends short-term money to commercial banks.

🔹 Reverse Repo Rate — Rate RBI pays banks for parking their excess funds.

🔹 Bank Rate — Long-term lending rate charged by RBI without collateral requirements.

🔹 Marginal Standing Facility (MSF) — Emergency overnight borrowing rate for banks against government securities.

🔹 Open Market Operations (OMO) — Sale and purchase of government securities by RBI.

2. Qualitative Tools

🔹 Margin Requirements — Difference between loan value and the collateral value pledged.

🔹 Moral Suasion — RBI advice and psychological persuasion to influence bank lending.

🔹 Selective Credit Control — Restricting or directing bank credit flow to specific sectors.

🔹 Credit Rationing — Fixing maximum limits on credit for specific industries or activities.

🔹 Direct Action — Penalties and steps taken by RBI against non-compliant banks.

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💯Absolute must-know list for IBPS PO, SBI PO, and RRB PO Mains.

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