Our Skimmers 🤣
Faah!!!

Jeh Aerospace & Solestra Group Signed Agreement to Establish Global Manufacturing Centre in Hyderabad

52nd Group-7 (G-7) summit held in Evian-les-Bains, France.

QS Rankings

RBI Eases Capital Norms for Banks under ECLGS 5.0

News Kya Hai?
16 June 2026 ko RBI ne banks ke liye capital adequacy rules ko relax (easier) kar diya hai un loans ke liye jo ECLGS 5.0 ke under diye ja rahe hain. Isse banks ko kam capital rakhni padegi aur woh MSMEs aur businesses ko zyada loan dene ke liye encourage honge.

Pehle ECLGS 5.0 Samjho

ECLGS = Emergency Credit Line Guarantee Scheme
Launch: May 2026
Reason: West Asia Crisis ki wajah se businesses ko liquidity (cash flow) problem ho rahi thi.
Government ne additional working capital loan provide karne ke liye scheme launch ki.
Guarantee di jaati hai by National Credit Guarantee Trustee Company (NCGTC).

Guarantee Coverage:

MSMEs → 100% Government Guarantee
Non-MSMEs & Airline Sector → 90% Government Guarantee

Capital Norms Kya Hote Hain?

Har bank ko apne diye hue loans ke against kuch capital (own funds) reserve rakhna padta hai.
Jitna risky loan hoga,
➡️ utna zyada capital bank ko rakhna padega.
Yehi Capital Adequacy Norms kehlate hain.

Risk Weight Kya Hota Hai?

Risk Weight batata hai ki loan kitna risky maana ja raha hai.
Example:
Government Bond → 0% Risk Weight
Home Loan → Low Risk Weight
Business Loan → Higher Risk Weight
Risk Weight jitna kam,
➡️ utni kam capital reserve karni padti hai.

RBI Ne Kya Badla?

Earlier:😁
Banks ko guaranteed loan portion par bhi capital maintain karni padti thi.
Now:🥹
ECLGS 5.0 ke eligible guaranteed exposure ke 75% part par 0% Risk Weight allow kar diya gaya hai.

Condition:

Agar guarantee invoke hone ke 30 din ke andar settlement expected ho.
Remaining exposure par existing 20% Risk Weight continue rahega.
Iska Matlab Simple Language Mein
Suppose
Bank ne ₹100 crore ka ECLGS loan diya.
Government guarantee = ₹100 crore (MSME case)
Ab:
₹75 crore → 0% Risk Weight
₹25 crore → 20% Risk Weight

Result:

Bank ko pehle se kaafi kam capital reserve karni padegi.
Banks Ko Kya Benefit Hoga?
✅ Capital bach jayega.
✅ Capital Adequacy Ratio improve hogi.
✅ Lending capacity badhegi.
✅ MSMEs ko aur aasani se loan mil sakega.
✅ Economic activity ko support milega.

Businesses Ko Kya Benefit Hoga?

Working capital easily milega.
Liquidity problems kam hongi.
Business operations continue kar paayenge.
Employment ko support milega.

Exam-Oriented One-Liners
Date: 16 June 2026
Regulator: RBI
Scheme: ECLGS 5.0
Purpose: Support businesses affected by West Asia Crisis
MSME Guarantee: 100%
Non-MSME & Airline Guarantee: 90%
75% eligible guaranteed exposure → 0% Risk Weight
Remaining exposure → 20% Risk Weight
Condition: Guarantee settlement expected within 30 days after invocation
Objective: Reduce banks' capital burden and boost credit flow to businesses.

kaisa hai explaination ? 🌚🌝
Karde dil ki feelings strong

Hitesh Rameshchandra Joshi

 Chairman-cum-Managing Director (CMD) of General Insurance Corporation of India (GIC Re), India’s national reinsurer.
He succeeded Narayanan Ramaswamy.

“The Order of the White Double Cross (1st Class)”, Slovakia’s highest national award, presented by Peter Pellegrini, President of Slovakia in Bratislava. This marked PM Modi’s 33rd global honour during his 12 years long tenure as PM of India.

#Imporatnt
Indian Jurist Bimal N. Patel elected UN’s ITLOS Tribunal Judge for 2026-2035 Term

FATF ki presidency 1st time mili hai INDIA ko means exam me aane ki possibilities high hain. 🇮🇳📚 appoint kia hai VIVEK AGGRAWAL ko as a Vice President of FATF from Jul 2026 to Jun 2027.
🗓 1 year tenure.

FATF plenary meeting held in Paris, France. 🇫🇷🏛

FATF (Financial Action Task Force) – Short Notes

└── FATF ek international organization hai jo 1989 me G7 countries dwara establish ki gayi thi.

└── Iska main objective Money Laundering, Terrorism Financing aur Proliferation Financing ko rokna hai.

└──FATF khud laws enforce nahi karta, balki countries ke financial systems ko evaluate karta hai aur global standards (FATF Recommendations) set karta hai.

└──Jo countries rules follow nahi karti, unhe Grey List ya Black List me dala ja sakta hai, jisse foreign investment aur international financial transactions par negative impact padta hai.

└──Headquarters: Paris, France (at the Organisation for Economic Co-operation and Development headquarters).

└──India 2010 se FATF ka member hai.

this clearifies that badaam khane ka matlb ye nahi ki buddhi tej ho jayegi.
bas buddhi healthy rahegi. 🥲

Aryabhatta Research Institute of Observational Sciences (ARIES), Nainital, Uttarakhand.