Context: HDFC Bank’s loan-to-deposit ratio (LDR) fell below 100 per cent for the first time since its merger. Loan-to-Deposit Ratio (LDR) The Loan-to-Deposit Ratio (LDR) is a key financial tool used by banks to assess their liquidity and financial health. It represents the ratio of a bank’s total loans to its total deposits. This ratio helps to determine how much of the bank’s deposits are being used to issue loans, indicating the bank’s ability to cover any potential withdrawals and its lending strategy. Loan-to-Deposit Ratio (LDR) is calculated as: LDR = (Total Loans / Total Deposits) Ă— 100 Key Findings: Example: LDR = (500 / 600) Ă— 100 = 83.33% This means that 83.33% of the bank’s d
State Bank of India Poverty Reduction Report
Multidimensional Poverty Index (MPI)
The Securities Appellate Tribunal
The Securities Appellate Tribunal is an Indian body established to hear appeals against financial regulators’ orders, with its members elected by the Prime Minister’s selection committee and jurisdiction covering all Indian companies.
LODR Regulations
Context: Four Kirloskar companies said they have filed an appeal before the Securities Appellate Tribunal challenging the SEBI letter asking them to disclose the deed of family settlement that was signed by members of the Kirloskar family. Listing Obligations and Disclosure Requirements (LODR) The LODR Regulations are Listing Obligations and Disclosure Requirements prescribed by the Securities and Exchange Board of India (SEBI). They apply to the companies listed in the Indian stock exchanges and have been enacted for increasing transparency, accountability, and corporate governance. The main idea is to make sure that the listed companies are disclosing accurate and timely information to the investors, regulators, and stakeholders. Key Features of the LODR Regulations: A Deed of Family Settlement (DFS) A Deed of Family Settlement (DFS) is a legal contract between family members that outlines terms and conditions to be followed in the event of a disagreement. In banking, a DFS can be relevant in the context of the Kirloskar group, which has been involved in a dispute over the validity of a DFS since 2016. The Securities Appellate Tribunal The Securities Appellate Tribunal is an Indian body established to hear appeals against financial regulators’ orders, with its members elected by the Prime Minister’s selection committee and jurisdiction covering all Indian companies. SEBI Issued a Directive on Transfer of Shareholdings
Agricultural Credit Growth in India
Agricultural Credit Growth refers to the increase in the amount of credit (loans, financing, and financial services) provided to the agricultural sector, including farmers, agribusinesses, and rural communities. This growth indicates the rising availability of financial resources for agricultural activities, which could range from planting and irrigation to machinery purchase, livestock farming, and value-added agricultural businesses. Key Drivers of Agricultural Credit Growth Eligibility for Credit To access credit, farmers must provide verified records of their agricultural activities and complete KYC (Know Your Customer) procedures. This ensures transparency and reduces fraud. Importance of Agricultural Credit Growth
Remote Sensing in Agriculture
Context: The Agriculture Minister further said that the Centre had now decided to assess crop losses through satellites i.e. remote sensing, as opposed to manual assessments, which he said will ensure “correct and accurate” assessments of crop losses under the crop insurance scheme. Remote Sensing in Agriculture
PM eDRIVE Scheme
Context: The PM eDRIVE scheme, worth â‚ą 2,000 crores, will offer 80% or more subsidy for upgradation of front-end infrastructure for public fast-charging stations for electric vehicles. PM eDRIVE Scheme
Panchayat Se Parliament 2.0
Context: Lok Sabha Speaker Om Birla will on Monday inaugurate “Panchayat Se Parliament 2.0” which seeks to give insight into the Constitution and parliamentary procedures to over 500 women representatives from Panchayati Raj institutions from across the country. The Panchayat Se Parliament 2.0 Programme
Panchayat Se Parliament 2.0
Context: Lok Sabha Speaker Om Birla will on Monday inaugurate “Panchayat Se Parliament 2.0” which seeks to give insight into the Constitution and parliamentary procedures to over 500 women representatives from Panchayati Raj institutions from across the country. The Panchayat Se Parliament 2.0 Programme
Rapid Rail Transit System (RRTS)
Context: Prime Minister Narendra Modi inaugurated a 13-km-long Rapid Rail Transit System (RRTS) section between New Ashok Nagar in Delhi and Sahibabad in Uttar Pradesh on Sunday. Rapid Rail Transit System (RRTS) Kavach: The Shield of Safety
