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2 Dear readers, This STATIC GK TORNADO is a complete docket of important news and events. The STATIC GK TORNADO is important and relevant for all competitive exams like IBPS Clerk 2016, IPPB 2016, Insurance and UPSC Exams. STATIC BANKING AWARENESS TORNADO What is Bank? Bank is a financial institution which deals in debts and credits. It accepts deposits, lends money and also creates money. It bridges the gap between the savers and borrowers. Banks are not merely traders in money but also in an important sense manufacturer of money. Primary banking functions of the banks include: 1. Acceptance of deposits 2. Advancing loans 3. Creation of credit 4. Clearing of cheques 5. Financing foreign trade 6. Remittance of funds Demonetization : Withdrawal of a particular form of currency (such as gold coins) from circulation. On 8th November 2016 GOI made history by taking a striking bold step to demonetize Rs.500 & Rs.1000 note to reform the finance sector. Making 86 per cent of the currency in circulation illegal in one stroke. History of Demonetization in India: First demonetization : Pre Independence era in year The highest denomination note ever printed by the Reserve Bank of India was the Rs 10,000 note in 1938 and again in But these notes were demonetized in January 1946 and again in January 1978, according to RBI data to curb counterfeit and black money. Sources of Black Money : Corruption Tax evasion Countries Implemented Demonetization : Nigeria Ghana Pakistan Zimbabwe North Korea Soviet Union Australia Myanmar What do you mean by Central Bank of a Country? The central bank of the country is the Reserve Bank of India (RBI). It was established in April 1935 with a share capital of Rs. 5 crores on the basis of the recommendations of the Hilton Young Commission. RBI was nationalised on 1 January

3 The Management of RBI : The Executive head of the RBI is called the Governor, who is assisted by 4 Deputy Governors and other executive officers. Present Governor of RBI : Dr. Urjit R. Patel is the present governor of RBI. He assumed charge as the 24th Governor of the Reserve Bank of India. Four Deputy Governor of RBI : There are 4 Deputy Governors of RBI 1. Shri N. S. Vishwanathan 2. R Gandhi and 3. S S Mundra. 4. Note : There are 4 Deputy Governors, but one place is vacant at present so the 3 Deputy Governors are R Gandhi, S S Mundra and N S Vishwanathan Powers of RBI The Reserve Bank of India Act, 1934 and the Banking Regulation Act, 1949 have given the RBI wide powers of: Supervision and Control over commercial Banks - relating to licensing and establishments, branch expansion, liquidity of their assets, management and methods of working, amalgamation (merger) reconstruction and liquidation. Functions of RBI Issue of Currency RBI is the sole authority for the issue of currency in India other than one rupee notes and subsidiary coins, the magnitude of which is relatively small. The RBI is also called Bank of Issue. Note: The One Rupees notes and coins are issued by the Central Govt., The Ministry of Finance Banker to the Government As a Bankers to the Govt. RBI performs the following functions: (i) It accepts money, makes payment and also carries out their exchange and remittances for the Govt. (ii) It makes loans and advances to the States and local authorities. (iii) It also sells treasury bills to maintain liquidity in the economy. (iv) It makes ways and means advances to the Governments for 90 days. (v) It acts as adviser to the Government on all monetary and banking matters. Banker s Bank The RBI has extensive power to control and supervise commercial banking system under the RBI Act, 1934 and the Banking Regulation Act, 149. (i) The Banks are required to maintain a minimum of Cash Reserve Ratio (CRR) with RBI. (ii) The RBI provides financial assistance to scheduled banks and state cooperative banks. (iii) Enables banks to maintain their accounts with RBI for statutory reserve requirements and maintenance of transaction balances. Custodian of foreign exchange reserves The RBI functions as the custodian and manager of forex reserves, and operates within the overall policy framework agreed upon with Government of India. (i) The reserves refer to both foreign reserves in the form of gold assets in the Banking Department and foreign securities held by the Issue Department, and domestic reserves in the form of bank reserves. (ii) Foreign exchange reserves are important indicators of ability to repay foreign debt and for currency defense, and are used to determine credit ratings of nations. 3

4 (iii) Its commonly includes foreign exchange and gold, special drawing rights,(sdrs) and International Monetary Fund(IMF) reserve positions. Controller of credit Credit control is generally considered to be the principal function of Central Bank. By making frequent changes in monetary policy, it ensures that the monetary system in the economy functions according to the nation s need and goals. (i) It can do so through changing the Bank rate or through open market operations. (ii) It controls the credit operations of banks through quantitative and qualitative controls. (iii) It controls the banking system through the system of licensing, inspection and calling for information. Lender of last resort Lender of the last resort means Central Bank (RBI) helps all the commercial and other banks in time of financial crises. (i) It can come to the rescue of a bank that is solvent but faces temporary liquidity problems by supplying it with much needed liquidity when no one else is willing to extend credit to that bank. (ii) The Reserve Bank extends this facility to protect the interest of the depositors of the bank and to prevent possible failure of the bank, which in turn may also affect other banks and institutions and can have an adverse impact on financial stability and thus on the economy. What is Monetary Policy? Monetary policy is how central banks manage the money supply to guide healthy economic growth. The money supply is credit, cash, checks, and money market mutual funds. The most important of these is credit, which includes loans, bonds, mortgages, and other agreements to repay. Objectives of Monetary Policy - The primary objective of central banks is to manage inflation. The second is to reduce unemployment once inflation has been controlled. Central bank reduces inflation by raising interest rates, selling securities through open market operations, and other measures to reduce liquidity. Instrument of Monetary Policy - There are several direct and indirect instruments that are used in the implementation of monetary policy. Open Market Operations (OMOs) - It refers to buying and selling of government securities by RBI in the open market. It controls the money supply in the economy. When RBI sells govt. securities to banks, the lendable resources of the latter are reduced and banks are forced to reduce or contain their lending, thus curbing the money supply. When money supply is reduced, it result increase in the interest rates tends to limit spending and investment. On the other hand, when RBI buys Govt. securities from banks, their lending resources are higher which in turn encourage banks to lend more in the market and lending leads to increase in money supply. When money supply is increased, it result decline in the interest rates tends to promote spending and investment. Cash Reserve Ratio (CRR) : It is the amount of funds that the banks have to keep with the RBI. Current CRR is 4%. For ex - When a bank s deposits increase by Rs100, and if the cash reserve ratio is 4%, the banks will have to hold additional Rs 4 with RBI and Bank will be able to use only Rs 96 for investments and lending / credit purpose. Therefore, higher the ratio (i.e. CRR), the lower is the amount that banks will be able to use for lending and investment. Statutory Liquidity Ratio (SLR) : It indicates the minimum percentage of deposits that the bank has to maintain in form of gold, cash or other approved securities. 4

5 Note : If SLR increases, banks need to keep more liabilities (deposits) with them and provides less loans to people. If SLR decreases, banks need to keep fewer liabilities (deposits) with them and provides more loans to people. Changes in SLR often influence the availability of resources in the banking system for lending to the private sector. Repo Rate It is the rate at which RBI lends money to commercial banks in the event of any shortfall of funds. It is the rate of interest which RBI implements on the short term loans, i.e., from a period ranging between 2 days to 3 months (90 Days). It is used by monetary authorities to control inflation. A reduction in the repo rate helps banks get money at a cheaper rate and vice versa. Reverse Repo Rate It is the rate at which the RBI borrows money from commercial banks. Banks are always happy to lend money to the RBI since their money is in safe hands with a good interest. An increase in reverse repo rate can prompt banks to park more funds with the RBI to earn higher returns on idle cash. It is also a tool which can be used by the RBI to drain excess money out of the banking system. Marginal Standing Facility (MSF) - A facility under which scheduled commercial banks can borrow additional amount of overnight money from the Reserve Bank by dipping into their SLR portfolio up to a limit (currently two per cent of their net demand and time liabilities deposits) at a penal rate of interest (currently 100 basis points above the repo rate). This provides a safety valve against unanticipated liquidity shocks to the banking system. MSF rate and reverse repo rate determine the corridor for the daily movement in short term money market interest rates. Bank Rate - Bank rate is the rate of interest implemented by RBI when it lends money to a public sector bank on a long term basis, i.e. from a period ranging from 90 days to 1 year. Under this definition, Bank Rate and Repo Rate seem to be similar terms because both are the interest rates at which RBI lends money to banks. However, the Repo Rate is a short-term measure and refers to short-term loans used for controlling the amount of money in the market, whereas Bank Rate is a long-term measure and is governed by the long-term monetary policies of the RBI. Bank rate is also referred to as the discount rate and is the rate of interest which a central bank charges on the loans and advances to a commercial bank. What is BPS (Basis Points)? BPS is an acronym for basic points is used to indicate changes in rate of interest and other financial instrument. 1 BASIC POINT IS EQUAL TO 0.01%. So when we say that repo rate has been increased by 25 bps, it means that the rate has been increased by 0.25% RBI proposed marginal cost of funds methodology to calculate Base Rate The Reserve Bank of India (RBI) proposed a new methodology to calculate Base Rate (Base Rate). It is based on marginal cost of funds methodology. The new methodology is aimed at bringing uniformity among BRs of banks so that they will be more sensitive to any changes in policy rates of the RBI like Cash Reserve Ratio (CRR), Statutory Liquidity Ratio (SLR), etc. Under the proposed methodology, the components of Base Rate will include cost of funds, negative carry on CRR/SLR, un-allocable overhead costs and average return on net worth. It will be effective from 1 April Base Rate It is defined as the minimum interest rate of a bank below which it is not viable to lend. It was introduced on 1 July 2010 by the RBI. It replaced the benchmark prime lending rate (BPLR), the interest rate which commercial banks charged their most credit worthy customer. 5

6 SBI & ICICI Systemically Important Banks RBI The Reserve Bank of India (RBI) designated State Bank of India (SBI) and ICICI Bank Ltd, the country s two largest lenders, as Domestic Systemically Important Banks (D-SIBs). The banks have been named Domestic Systemically Important Banks (D-SIBs), with SBI falling in bucket three while ICICI Bank is in bucket one. Systemically Important Bank Systemically important bank or a bank that is too big to fail is one whose failure will have nationwide or worldwide impacts. A bank failure is a scenario in which the bank or financial institution is unable to pay its depositors or fulfill its financial obligations. What is SWIFT? SWIFT - Society for worldwide Interbank financial tele-communication. India was 74th Nation to join SWIFT Network. SWIFT Code is a standard format of bank Identifier code. This code is used particularly in International transfer of money between banks. A majority of FOREX related message are sent to correspondent banks abroad through SWIFT. SWIFT Code consist 8 or 11 character When code is of 8 digit, It is referred to primary office 1st 2nd 3rd and 4th digit bank code 5th and 6th digits country code 7th and 8th digits location code 9th 10th and 11th digits branch code (optional). What is Fiscal Policy? It is the process of policy decision making in relation to the financial structure of the government receipts and payments. It includes the action strategies on tax policy, revenue and expenditure, loans and borrowing, deficit financing etc. Primarily it is the budgetary policy of the Govt. and is reflected through the annual budget formulation. The Objective of the policy are Mobilsation of resources for meeting the financial requirements for economic growth. Improve savings & investment rate to improve the capital formation. To initiate steps to remove poverty and unemployment and improve the standard of living of the people. To reduce regional disparities. History of Banking in India Banking system commenced in India with the foundation of Bank of Hindustan in Calcutta (now Kolkata) in 1770 which ceased to operate in After that many banks came but some were not successful like General Bank of India ( ) Oudh Commercial Bank ( ) the first commercial bank of India. Whereas some are successful and continue to lead even now like Allahabad Bank (est. 1865) Punjab National Bank (est. 1894, with HQ in Lahore (that time) Bank of India (est. 1906) Bank of Baroda (est. 1908) Central Bank of India (est. 1911) While some others like Bank of Bengal (est. 1806), Bank of Bombay (est. 1840), Bank of Madras (est. 1843) merged into a single entity in 1921 which came to be known as Imperial Bank of India. Imperial Bank of India was later renamed in 1955 as the State Bank of India. 6

7 In April 1935, Reserve Bank of India was formed based on the recommendation of Hilton Young Commission (setup in 1926). The Indian banking sector is broadly classified into scheduled banks and non-scheduled banks. The scheduled banks are those which are included under the 2nd Schedule of the Reserve Bank of India Act, The scheduled banks are further classified into : nationalised banks; State Bank of India and its associates; Regional Rural Banks (RRBs); foreign banks; and other Indian private sector banks. The term commercial banks refer to both scheduled and non-scheduled commercial banks which are regulated under the Banking Regulation Act, Nationalization Nationalization is the process of taking a private industry or private assets into public ownership by a national government or state. Need for nationalization in India: a) The banks mostly catered to the needs of large industries, big business houses. b) Sectors such as agriculture, small scale industries and exports were lagging behind. c) The poor masses continued to be exploited by the moneylenders. Following this, in the year 1949, 1st January the Reserve Bank of India was nationalized. 14 commercial banks were nationalized in 19th July, Smt. Indira Gandhi was the Prime Minister of India, during in These were 1. Central Bank of India 6. Canara Bank 11. Indian Bank 2. Bank of India 7. Dena Bank 12. Union Bank of India 3. Punjab National Bank 8. United Bank 13. Bank of Maharashtra 4. Bank of Baroda 9. Syndicate Bank 14. Indian Overseas Bank 5. United Commercial Bank 10. Allahabad Bank Six more commercial banks were nationalized in April These were: 1. Andhra Bank 4. Oriental Bank of Commerce 2. Corporation Bank 5. Punjab & Sindh Bank 3. New Bank of India 6. Vijaya Bank. Meanwhile on the recommendation of M. Narsimhan committee, RRBs (Regional Rural Banks) were formed on Oct 2, The objective behind the formation of RRBs was to serve large unserved population of rural areas and promoting financial inclusion. Other Banks : Bandhan Bank Ltd. - is an Indian banking and financial services company headquartered in Kolkata, West Bengal. Bandhan, which started as a micro-finance company in 2001, received banking license by Reserve Bank of India in CEO - Chandra Shekhar Ghosh Chairman - Ashok Lahiri IDFC Bank Ltd. - is an Indian banking company with headquarters in Mumbai that forms part of IDFC, an integrated infrastructure finance company. The bank started operations on 1 October IDFC received a universal banking license from the Reserve Bank of India (RBI) in July On 6th November, 2015, IDFC Bank was listed on BSE and NSE. CEO - Dr. Rajiv B. Lall Public Sector Banks Public Sector Banks (PSBs) are banks where a majority stake (i.e. more than 50%) is held by a government. The shares of these banks are listed on stock exchanges. There are a total of 27 PSBs in India [21 Nationalised banks + 6 State bank group (SBI + 5 associates)]. In 2011 IDBI bank and in 2014 Bharatiya Mahila Bank were nationalized with a minimum capital of Rs 500 cr. For Ex Bank of Baroda, Punjab National Bank, Bank of India, etc. 7

8 Private Banks The private-sector banks in India represent part of the Indian banking sector that is made up of both private and public sector banks. The "private-sector banks" are banks where greater parts of stake or equity are held by the private shareholders and not by government. For ex ICICI Bank, HDFC Bank, Axis Bank, etc. Regional Rural Banks - Regional Rural Banks are local level banking organizations operating in different States of India. They have been created with a view to serve primarily the rural areas of India with basic banking and financial services. However, RRB's may have branches set up for urban operations and their area of operation may include urban areas too. The Government of India, the concerned State Government and the bank, which had sponsored the RRB contributed to the share capital of RRBs in the proportion of 50%, 15% and 35%, respectively. What are the Sources of Bank s Income? A bank is a business organisation engaged in the business of borrowing and lending money. A bank can earn income only if it borrows at a lower rate and lends at a higher rate. The difference between the two rates will represent the costs incurred by the bank and the profit. Bank also provides a number of services to its customers for which it charges commission. This is also an important source of income. The followings are the various sources of a bank s profit: Interest on Loans The main function of a commercial bank is to borrow money for the purpose of lending at a higher rate of interest. Bank grants various types of loans to the industrialists and traders. The yields from loans constitute the major portion of the income of a bank. The banks grant loans generally for short periods. But now the banks also advance call loans which can be called at a very short notice. Such loans are granted to share brokers and other banks. These assets are highly liquid because they can be called at any time. Moreover, they are source of income to the bank. Interest on Investments Banks also invest an important portion of their resources in government and other first class industrial securities. The interest and dividend received from time to time on these investments is a source of income for the banks. Bank also earn some income when the market prices of these securities rise. Discounts - Commercial banks invest a part of their funds in bills of exchange by discounting them. Banks discount both foreign and inland bills of exchange, or in other words, they purchase the bills at discount and receive the full amount at the date of maturity. For instance, if a bill of Rs is discounted for Rs. 975, the bank earns a discount of Rs. 25 because bank pays Rs. 975 today, but will get Rs on the due date. Discount, as a matter of fact, is the interest on the amount paid for the remaining period of the bill. The rate of discount on bills of exchange is slightly lower than the interest rate charged on loans and advances because bills are considered to be highly liquid assets. Commission, Brokerage, etc. - Banks perform numerous services to their customers and charge commission, etc., for such services. Banks collect cheques, rents, dividends, etc., accepts bills of exchange, issue drafts and letters of credit and collect pensions and salaries on behalf of their customers. They pay insurance premiums, rents, taxes etc., on behalf of their customers. For all these services banks charge their commission. They also earn locker rents for providing safety vaults to their customers. Recently the banks have also started underwriting the shares and debentures issued by the joint stock companies for which they receive underwriting commission. What is NBFC? Non-bank financial companies (NBFCs) are financial institutions that provide banking services without meeting the legal definition of a bank, i.e. one that does not hold a banking license. These institutions typically are restricted from taking deposits from the public depending on the jurisdiction. Nonetheless, operations of these institutions are often still covered under a country's banking regulations. NBFCs are doing functions similar to banks. What is difference between banks & NBFCs? NBFCs lend and make investments and hence their activities are similar to that of banks; however there are a few differences as given below: 8

9 i. NBFC cannot accept demand deposits; ii. NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself; iii. Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of banks. What is KYC? It is a process by which banks obtain information about the identity and address of the customers. This process helps to ensure that banks services are not misused. The KYC procedure is to be completed by the banks while opening accounts and also periodically update the same. KYC guidelines were introduced in year 2002 by RBI and all banks were asked to make all accounts KYC compliant by 31 December These guidelines are issued under Section 35 A of the Banking Regulation Act, KYC documents - These are the documents used to establish customer s identity. Banks need two types of document one for identity another for address. Individual : Identity: Pan card, Passport, Aadhar card, Voter id card, Driving license, any other identity card upto bank s satisfaction, letter from recognised public authority establishing identity of the customer. Address : Telephone bill, electricity bill, Aadhar card, voter id card, Driving license, any other identity card upto bank s satisfaction, letter from recognised public authority establishing address and identity of the customer, letter from employer, letter from landlord along with kyc of landlord. Note: If a person is unable to produce necessary documents mentioned, a relaxation is extended if: 1. Balance < Rs for all a/cs taken together 2. Total credit in all a/cs for a year < Rs. 1,00,000 Such customer needs to be introduced from an existing customer at least six months old and having full KYC. Also, transactions are to be stopped in such a/cs once Balance reaches Rs. 40,000 or total credit reaches Rs. 80,000. What is Anti Money Laundering? Money laundering is the process by which the origin of funds gained by illegal means is concealed, and made to appear such that they have been derived from legitimate sources and inserting them back into economic circulation. Money laundering also covers financial transactions where the end use of funds goes for financing terrorism irrespective of the source of the funds. The prevention of money laundering act, 2002 was enacted to prevent money laundering and deal with those who are guilty of money laundering. The PMLA seeks to combat money laundering in India and has three main objectives: (i) To prevent and control money laundering (ii) To confiscate and seize the property obtained from the laundered money; and (iii) To deal with any other issue connected with money laundering in India. Case of AML DMK s Kanimozhi, A Raja and Dayalu Ammal were charged under anti-money-laundering act for their involvement in 2G scam. What is Financial Inclusion? Financial inclusion is a concept of making available banking/financial services to a vast section of low income groups and weaker sections at an affordable price. The objective of financial inclusion is to provide the service of basic banking products to the unserved masses of the country, aiming towards inclusive economic growth. 9

10 The need for financial inclusion raised when even after years of Independence 40% population lacked access to basic banking products. And apart from poverty, illiteracy and lack of regular income the major barriers are lack of reach, high cost of transactions and time. Regulatory steps taken by Reserve Bank of India in this regard - BSBDA (Basic Savings Bank Deposit Account) No requirement for any minimum balance. No limit on the number of deposits while restriction on withdrawal to 4. Relaxation in KYC guidelines Use of extensive technology in banking Appointing business correspondents and business facilitators Opening of branches in unbanked rural areas Licensing of differentiated banks like Payment Bank and Small Bank Schemes launched by Government of India to promote financial inclusion are - PMJDY (Pradhan Mantri Jan Dhan Yojana) The main features of this scheme are (i) The slogan of the scheme is Mera Khata Bhagya Vidhaata (ii) The scheme provided Rs 5,000 overdraft facility for Aadhar linked accounts and RuPay Debit Card for all account holders (iii) An accident insurance cover of up to Rs. 1 Lakh is also provided. Pradhan Mantri Suraksha Bima Yojana The main features of this scheme are (i) For personal accident insurance (ii) Age group: years (iii) Sum assured: Rs 2 lakh, while premium: Rs 12 per annum Pradhan Mantri Jeevan Jyoti Bima Yojana The main features of this scheme are (i) For life insurance (ii) Age group: years (iii) Sum assured: Rs 2 lakh, while premium: Rs 330 per annum Atal Pension Yojana The main features of this scheme are (i) For pension purpose (ii) Age group: years (iii) Fixed pension: Rs per month at age of 60 years. Banking products that play a crucial role in the expansion of Financial Inclusion - a. Savings-cum-overdraft account b. Remittance products c. Savings product d. Kisan credit card (KCC) or General credit card (GCC) Fund Allocation - Reserve Bank of India recently created a new Financial Inclusion Fund (FIF) with funding of Rs 2000 Crore for expanding the reach of banking services. The new Financial Inclusion Fund is created by merging Financial Inclusion Fund and Financial Inclusion Technology Fund into a single Fund Financial Inclusion Fund (FIF). The new FIF will be maintained by NABARD. In addition to this, Reserve Bank of India constituted a 14 member committee under the chairmanship of RBI executive director Deepak Mohanty. It will work out a five-year action plan to spread the reach of financial services to unbanked population. 10

11 Benefits of Financial Inclusion - It offers potential for increasing banking business by bringing more and more customers to bank It seeks to improve the standard of living of vast majority of poor persons. It enhances the number of Bankable customers. It boosts the growth of Banking Business. It can bridge the Urban-Rural divide. What is a DeMat Account? DeMat account is nothing but a dematerialized account. If one has to save money or make cheque payments, then he/she needs to open a bank account. Similarly, one needs to open a DeMat account if he/she wants to buy or sell stocks. Thus, DeMat account is similar to a bank account wherein the actual money is being replaced by shares. In order to open a DeMat account, one needs to approach the Depository Participants [DPs]. In India, a DeMat account is a type of banking account that dematerializes paper-based physical stock shares. The DeMat account is used to avoid holding of physical shares: the shares are bought as well as sold through a stock broker. In this case, the advantage is that one does not need any physical evidence for possessing these shares. All the things are taken care of by the DPs. This account is very popular in India. Physically only 500 shares can be traded as per the provision given by SEBI. From April 2006, it has become mandatory for any person holding a DeMat account to possess a Permanent Account Number (PAN). What is Derivative? A derivative is a financial contract that derives its value from another financial product/commodity (say spot rate) called underlying (that may be a stock, stock index, a foreign currency, a commodity). Forward contract in foreign exchange transaction, is a simple form of a derivative. What is a foreign exchange reserve? Foreign exchange reserves (also called Forex reserves) in a strict sense are only the foreign currency deposits and bonds held by central banks and monetary authorities. However, the term in popular usage commonly includes foreign exchange and gold, SDRs and IMF reserve positions. What is Bancassurance? Bancassurance means distribution of financial products particularly the insurance policies (both the life and non-life), also called referral business, by banks as corporate agents, and through their branches located in different parts of the country. What is FII? FII (Foreign Institutional Investor) used to denote an investor, mostly in the form of an institution. An institution established outside India, which proposes to invest in Indian market, in other words buying Indian stocks. FII's generally buy in large volumes which has an impact on the stock markets. Foreign Institutional Investors includes pension funds, mutual funds, Insurance Companies, Banks, etc. What is FDI? FDI (Foreign Direct Investment) occurs with the purchase of the physical assets or a significant amount of ownership (stock) of a company in another country in order to gain a measure of management control (Or) A foreign company having a stake in a Indian Company. What is SIDBI? The Small Industries Development Bank of India is a state-run bank aimed to aid the growth and development of micro, small and medium scale industries in India. 11

12 It was set up in 1990 through an act of parliament; it was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India. Headquarter Lucknow. What is NABARD? NABARD was established on the recommendations of Shivaraman Committee on 12 July 1982 to implement the National Bank for Agriculture and Rural Development Act Its headquarter located in Mumbai. Present Chairman is Dr. Harsh Kumar Bhanwala. It replaced the Agricultural Credit Department (ACD) and Rural Planning and Credit Cell (RPCC) of Reserve Bank of India, and Agricultural Refinance and Development Corporation (ARDC). It is one of the premiere agencies to provide credit in rural areas. NABARD is set up as an apex Development Bank with a mandate for facilitating credit flow for promotion and development of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts. What is SEBI? SEBI is the regulator for the Securities Market in India. Head office located in Mumbai. Originally set up by the Government of India in 1988, it acquired statutory form in 1992 with SEBI Act 1992 being passed by the Indian Parliament. U.K Sinha is the present Chairman of SEBI. Note: The Forward Markets Commission (FMC) is the chief regulator of commodity futures markets in India was merged with the Securities and Exchange Board of India (SEBI) on 28 September What is SENSEX and NIFTY? SENSEX is the short term for the words "Sensitive Index" and is associated with the Bombay (Mumbai) Stock Exchange (BSE). The SENSEX was first formed on and used the market capitalization of the 30 most traded stocks of BSE. NSE - Whereas NSE has 50 most traded stocks of NSE. Note : SENSEX IS THE INDEX OF BSE and NIFTY IS THE INDEX OF NSE. Both will show daily TRADING MARKS. Sensex and Nifty both are an "index. An index is basically an indicator it indicates whether most of the stocks have gone up or most of the stocks have gone down. What is CRM? Customer Relationship Management (CRM) refers to the ability to understand, anticipate and manage the needs of the customer, interaction and relationship resulting in increased profitability through revenue and margin growth and operational efficiencies. What is Right to information Act? The Right to Information act is a law enacted by the Parliament of India giving citizens of India access to records of the Central Government and State governments. The Act applies to all States and Union Territories of India, except the State of Jammu and Kashmir - which is covered under a State-level law. This law was passed by Parliament on 15 June 2005 and came fully into force on 13 October What is Recession? A true economic recession can only be confirmed if GDP (Gross Domestic Product) growth is negative for a period of two or more consecutive quarters. What is Sub-prime crisis? The Subprime crisis is due to sub-prime lending. These are the loans given to the people having low credit rating. 12

13 What is IPO? IPO is Initial Public Offering. This is the f irst offering of shares to the general public from a company wishes to list on the stock exchange. What is Revenue deficit? It defines that, where the net amount received (by taxes & other forms) fails to meet the predicted net amount to be received by the government. What is National Income? National Income is the money value of all goods and services produced in a Country during the year. What is Disinvestment? The Selling of the government stake in public sector undertakings. What is Fiscal Deficit? It is the difference between the government s total receipts (excluding borrowings) and total expenditure. What are Mutual funds? Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies. The mutual fund will have a fund manager that trades the pooled money on a regular basis. The net proceeds or losses are then typically distributed to the investors annually. A company that invests its clients' pooled fund into securities that match its declared financial objectives. Asset management companies provide investors with more diversification and investing options than they would have by themselves. Mutual funds, hedge funds and pension plans are all run by asset management companies. These companies earn income by charging service fees to their clients. What is NPA? An asset (loan), including a leased asset, becomes non performing when it stops generating income for the bank. Note: Once the borrower has failed to make interest or principle payments for 90 days the loan is considered to be a nonperforming asset. It had been decided to adopt the '90 days' overdue' norm for identification of NPA, from the year ending March 31, The conditions under which an asset becomes an NPA are as follows: 1. If interest or installment or both of principal remain overdue for a period of more than 90 days in respect of a term loan. 2. If Overdraft/ Cash Credit for an account remains out of order. 3. If bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted. 4. If installment of principal or interest remains overdue for two crop seasons for short duration crops / one crop season for long duration crops. ASSET CLASSIFICATION - RBI has classified nonperforming assets into the following three categories based on the period for which the asset has remained nonperforming and the realisability of the dues: Substandard Assets : With effect from March 31, 2005, a substandard asset is one, which has remained NPA for a period less than or equal to 12 months. Doubtful Assets : With effect from March 31, 2005, an asset is classified as doubtful if it has remained in the substandard category for a period of 12 months. Loss Assets : A loss asset is one where loss has been identified by the bank or internal or external auditors or the RBI inspection but the amount has not been written off wholly. In other words, such an asset is considered 13

14 uncollectible and of such little value that its continuance as a bankable asset is not warranted although there may be some rescue or recovery value. Reasons for NPA - Macroeconomic situations: When a country is not growing on expected lines i.e. GDP is not growing, no demand for goods, then industry suffers and not able to payback. Increased Interest Rate: The loan is taken at a time when interest rates were much higher than the present interest rate. When some sectors of the economy are doing bad like Infrastructure, Power due to Land acquisition and forest related issues and environment clearances. Willful defaulting: When one is able to pay but is not paying like Vijay Mallya. Now what does the Bank / FIs do? Firstly the Bank /FIs inspect whether there are genuine reasons or not for non-repayment of loans. Here genuine reasons include factors that are beyond one s control and certain internal, external reasons. In this case, for the revival of the corporates as well as for the safety of the money lent by the banks and FIs, timely support through restructuring is done. This system of restructuring of loans is called as Corporate Debt Restructuring. What if the case is not genuine? In this case Bank / FIs may refer the case to Debt Recovery Tribunal (DRT). refer to Asset Reconstruction Companies (ARC) as per SARFAESI Act, file winding up petition in the court of law. file criminal case against the willful defaulter. Let s first take the genuine case : Corporate Debt Restructuring: It has been implemented by RBI from August It covers only multiple banking accounts or syndicated / consortium loan accounts of corporate borrowers where outstanding exposure is Rs 10 crore or more. The accounts are eligible for consideration under the CDR system provided at least 75% of the creditors (by value of loan) and 60% of creditors (by number of loan) agree to the proposal. Note: The scheme will not apply to accounts involving only one financial institution or one bank. In case if the reason of non-repayment is not genuine then Bank / FIs can have following options : Debt Recovery Tribunal (DRT): These are established in various cities under Recovery of Debts due to Banks and Financial Institutions (RDDBF) Act, Banks / FIs can file an application with DRT or recover dues from persons / companies. As per the act the issue is to be settled in 6 months. In this case the success rate is around 20-30%. Asset Reconstruction Companies (ARC): This is formed under the Securitization and Reconstruction of financial Assets and Enforcement of Security Interest (SARFAESI) Act, It empowers the Banks & FIs to recover NPAs without the intervention of the court. It was brought to overcome the inefficiency of DRTs. Under this, Banks / FIs have the power to sell their Bad loans. The loans which are of Rs 1 lakh and more fall in this category. RBI has the power to issue licence to ARCs. Asset Reconstruction Company (india) Ltd is the first ARC established in India. 14

15 Filing of Criminal Cases - Criminal cases can be filed against the borrower if the banks feel the non-repayment of the debt is due to wilful default. Example is Vijay Mallya defaulting onsbi, UCO, United Bank of India. Winding up petitions - Under the Companies Act, if a borrower fails to pay back the loan, a petition can be filed. For this a Official liquidator is appointed. It is a long procedure and may not give satisfactory results to banks. Apart from the steps described above Banks can take other prudential steps, which are: 1. Corrective Action Plan: As per RBI Before the loan becomes an NPA, classify them as SMA-0 (Special Mention Account) = upto 30 days. SMA-1 = 31 to 60 days. SMA-2 =61 to 90 days. In order to take corrective actions. 2. Joint lenders forum: RBI has mandated to constitute a Joint Lenders Forum at SMA-2 stage, if the loan exposure is more than Rs 100 Crore or more. 3. Strategic Debt Restructuring: RBI has announced to convert debt into equity i.e. Bank will assume the role of management (ownership). What are BASEL III Norms? The Basel committee on Banking Supervision (BCBS) was formed in 1974 by a group of central bank governors of G-10 countries. Later on the committee was expanded to include members from nearly 30 countries. BCBS in 1988 released Basel-I accords and subsequently to overcome the loopholes in it Basel II was released in BCBS released a comprehensive reform package in Dec 2010, which is called as Basel III, a global regulatory framework for more resilient banks and banking systems. These recommendations cover almost all the nations. And it amend the Basel -2 guidelines, also introduces some new concepts and recommendations. Need For BASEL-3 Worldwide: Banks mainly deals with three kind of risks. These are 1. Credit risk 2. Market risk 3. Operational risk What is Credit risk? It is basically the risk of loss, arising when a borrower is not capable of paying back the loan as promised. Such borrowers are also known as Sub-prime borrowers. Now let s go back to the year 2008, when all of us observed /witnessed the Global financial crisis, which originated in US because of these Subprime borrowers and this crisis thereafter spilled over in the other markets as well. It created financial crisis throughout the world. Thus a need was felt for more stringent banking regulation worldwide. Now In India what is the need to adopt such norms when we saw our banking system standing firm even during the crisis. Need for Basel III in INDIA Firstly, the most important reason is that as India connects with the rest of the world, and as increasingly Indian banks go abroad and foreign banks come on to our shores, we cannot afford to have a regulatory deviation from global standards. Any deviation will hurt us. Secondly, if we ought to maintain a low standard regulatory regime this will put Indian banks at a disadvantage in global competition. Therefore, It is becomes important that Indian banks have the cushion provided by this risk management system to withstand shocks from external systems, especially as we deepen our links with the global financial system. In India, Basel III regulations has been implemented from April 1, 2013 in phases and it will be fully implemented as on March 31,

16 The pillars of BASEL norms: Capital adequacy requirements Supervisory review Market discipline Recommendations of Basel III Firstly, Basel -3 recommended that the Capital Adequacy ratio(car) be increased to 8% internationally, while in INDIA it is 9%. Capital Adequacy ratio (CAR), also known as Capital to Risk (weighted) Assets Ratio (CRAR), is a ratio of a bank s capital to its risk. Capital is the money a bank receives in exchange for issuing shares. This capital is further classified into two Tier 1 and Tier 2 capital. CAR = (Tier 1 capital + Tier 2 capital)/ Risk weighted Assets Tier 1 Tier 2 It consists of common shares Preferential Shares These are highly liquid instruments i.e. can be sold easily to gather cash Debts (bond) Optionally fully convertible debentures Less liquid Out of the 9% (of RWA) capital adequacy requirement, 7 % (of RWA) has to be met by Tier 1 capital while the remaining 2%(of RWA) by Tier 2 capital. Risk weighted assets Every bank assigns its assets some weight-age based on the risk involved. Thus apply a weight percentage to each of its assets. For example Lets say a bank lends Rs 100 to a person for home loan and Rs 100 to a person to start a new company. Bank s total asset = Rs Rs 100 = Rs 200 Let s imagine home loan has high probability of being repaid than the loan to person to start a company. i.e. Risk Weight of Home Loan = 50% and Risk Weight of loan for company = 90% Risk Weighted Assets of Bank = 50% of % of 100 = = Rs 140.So out of total assets worth Rs 200, Rs 140 are risk weighted assets. Bank need 9% of RWA as Capital. Bank need 9% of 140 = Rs 12.6 as Capital. Means, out of Rs 200 that a bank lends, Rs 12.6 must be funded with Capital. Rest, Rs can be from the money that bank borrowed. Secondly it also introduces the concept of leverage ratio, it measures the ratio of banks total assets to bank s capital. Under the new set of guidelines, RBI has set the leverage ratio at 4.5% (3% under Basel III). Leverage Ratio = Capital/Total Asset Concept of leverage for e.g. - If you have Rs 100 and you invest them and earns a profit of 10% i.e. you have profit of Rs 10 on Rs 100.This is called non leverage profit. Now again you have Rs 100 and you borrow Rs 400 and invest Rs 500, earns a profit of 10% i.e. you earn Rs 50 on your Rs 100. This is called leverage profit. With Higher leverage, Bank s Profit/Loss = Higher = Higher Risk also! So now leverage ratio of 4.5% means for every Rs bank funds itself with, it can lend up to Rs. Challenges for Its Implementation in India 1. Capital Since nearly 2.4 lakh crore rupees are required for its implementation in India. 16

17 2. Liquidity - During the global crisis 2008, the apparently strong banks of the world ran into difficulties when the interbank wholesale funding market witnessed a seizure. Thus in Indian context, it would mean an additional burden of maintaining liquidity along with the SLR requirement. 3. Technology - BCBS is in the process of making significant changes in standard approach for computing RWAs for all three risk areas. Banks may need to upgrade their systems and processes to be able to compute capital requirements based on revised standard approach. 4. Skill development - Implementation of the new capital accord requires higher specialized skills in banks. 5. Governance - One can have the capital, the liquid assets and the infrastructure. But corporate governance will be the deciding factor in the ability of a bank to meet the challenges. Strong capital gives financial strength, it cannot assure good performance unless backed by good corporate governance. Steps Taken by Government - GOI has allowed banks to access markets to raise capital while maintaining a minimum 52% shareholding. Govt. also launched a scheme called INDRADHANUSH to revamp PSBs. This scheme seeks to improve the efficiency and functioning of banks thereby reducing the bad assets. And also plans to infuse Rs 70,000 crore in the banking system over next 5 years. In this regard government also announced two banks as DSIBs i.e. SBI and ICICI, based on the criteria of size, interconnectedness, complexity and substitutability. Negotiable Instrument Act, 1881 Negotiable instruments are written orders or unconditional promises to pay a fixed sum of money on demand or at a certain time. Negotiable instruments may be transferred from one person to another, who is known as a holder in due course. Upon transfer, also called negotiation of the instrument, the holder obtains full legal title to the instrument. Negotiable instruments may be transferred by delivery or by endorsement and delivery. For e.g. promissory notes, bills of exchange, cheques, drafts, certificates of deposit are all examples of negotiable instruments. Cheque - Cheque is an instrument in writing containing an unconditional order, addressed to a banker, sign by the person who has deposited money with the banker, requiring him to pay on demand a certain sum of money only to or to the order of certain person or to the bearer of instrument." Bearer Cheque - The bearer cheque is payable to the person specified therein or to any other else who presents it to the bank for payment. However, such cheques are risky, this is because if such cheques are lost, the finder of the cheque can collect payment from the bank. Order Cheque - It is the one which is payable to a particular person. In such a cheque the word bearer may be cut out or cancelled and the word order may be written. The payee can transfer an order cheque to someone else by signing his or her name on the back of it. Crossed cheque - When a cheque is crossed, the holder cannot encash it at the counter of the bank. The payment of such cheque is only credited to the bank account of the payee. Crossed cheque is done by drawing two parallel lines across top left corner of the cheque, with or without writing Account payee in the space between the lines. A self cheque - It is written by the account holder as pay self to receive money in physical form from the branch where he holds his account. This can be alternated by using an ATM card. Post-dated cheque (PDC) - A PDC is a form of a crossed or account payee bearer cheque but post-dated to meet the said financial payment at a future date. The cheque is valid from the date of issue to three months. A Banker s cheque - A banker s cheque is issued by a bank drawing money from its own funds rather than that from an account holder s. Banker s cheque is issued after the bank verifies the account status of the requestor and the amount is immediately deducted from the customer s account. A banker s cheque cannot be dishonored as in the case of a normal cheque, when an account holder has insufficient funds in his/her account. Though different from a normal cheque it requires clearing too. 17

18 Stale Cheque - If a cheque is presented for payment after three months from the date of the cheque it is called stale cheque. A stale cheque is not honoured by the bank. Demand Drafts A DD is a negotiable instrument similar to a bill of exchange. It is used for effecting transfer of money. A bank issues a DD to a client (Drawer), directing another bank (Drawee) or one its own branches to pay a certain sum to the specified party (Payee) directly without involving the drawing bank after presenting. Some of the differences between a cheque and a DD are: A cheque is issued by an individual, whereas a DD is issued by a bank. The amount mentioned on the DD is collected by the bank from the drawer prior to drawing the DD, whereas the amount mentioned on the cheque is debited only when the cheque is presented for payment. The payment of cheque can be stopped by the drawer of the cheque, whereas the payment of a DD cannot be stopped. A cheque can bounce or be dishonoured, but a DD cannot be bounced and dishonored because it is already paid. A DD will bounce only when the drawee bank does not have enough funds to honour the cheque. A cheque can be made payable either to a bearer or to order. But a DD is always payable to order of certain person or organization, it cannot be a bearer draft What is RTGS System? RTGS' stands for Real Time Gross Settlement, which can be defined as the continuous (real-time) settlement of funds transfers individually on an order by order basis (without netting). 'Real Time' means the processing of instructions at the time they are received rather than at some later time; 'Gross Settlement' means the settlement of funds transfer instructions occurs individually (on an instruction by instruction basis). Considering that the funds settlement takes place in the books of the Reserve Bank of India, the payments are final and irrevocable. What is NEFT? National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. Under this Scheme, individuals can electronically transfer funds from any bank branch to any individual having an account with any other bank branch in the country participating in the Scheme. RTGS Vs NEFT : Thus, we can say that both RTGS and NEFT are schemes started by RBI for the benefit of the customers which allow accounts holders in the banks to electronically transfer the funds intra-bank. In the case of RTGS, settlement in on 'Real Time' basis whereas in case of NEFT the settlement in on batch basis and net basis. There are some other rules, regulations and differences, which we will be discussing below : What are the minimum and maximum amount of remittance under RTGS and NEFT : RTGS Minimum Amount : Rs 2 lakhs Maximum Amount : No upper ceiling NEFT Minimum Amount : No minimum limit Maximum Amount : No upper ceiling Cheque Truncation System Cheque Truncation System (CTS) or Image-based Clearing System (ICS), in India, is a project undertaken by the Reserve Bank of India (RBI) in 2008, for faster clearing of cheques. Cheque Truncation System (CTS) is a cheque clearing system undertaken by the Reserve Bank of India (RBI) for faster clearing of cheques. Truncation is the process of stopping the physical movement of cheques which is replaced by electronic images and associated MICR line of the cheque. 18

19 Advantage of CTS Since there is no physical movement of cheques, there is no fear of loss of cheque in transit. Usage of CTS cheques also means quicker clearance, shorter clearing cycle and speedier credit of the amount to your account. Depending on whether the cheque is local or outstation, the cheque can get cleared on the same day or within 24 hours. The biggest advantage is that CTS-compliant cheques are more secure than old cheques and, hence, less prone to frauds. Also, as the system matures, it is proposed to integrate multiple locations and reduce geographical restrictions in cheque clearing. Small Banks The purpose of the small banks will be to provide a whole suite of basic banking products such as deposits and supply of credit, but in a limited area of operation. The aim of small banks is to increase financial inclusion in the country. The small bank shall be registered as a public limited company under the Companies Act, Committee on Small Banks - The applications will be analyzed and evaluated by an External Advisory Committee (EAC). The EAC for small banks will be chaired by Usha Thorat, former deputy governor, RBI. RBI granted 'in-principle' approval to the 10 applicants to set up Small Finance Banks. The central bank had received 72 applications for setting up small finance bank licences. The in-principle approval granted will be valid for 18 months to enable the applicants to comply with the requirements under the Guidelines and fulfil other conditions as may be stipulated by the RBI. Key points - Capital requirement - The minimum paid-up capital requirement for small banks is Rs. 100 crore. As per the guidelines, the promoters' initial minimum contribution will be at least 40 % of the minimum capital, to be locked in for a period of 5 years. Small banks will offer both deposits as well as loan products. They cannot set up subsidiaries to undertake non-banking financial services activities. The maximum loan size and investment limit exposure to single/group borrowers/issuers would be restricted to 15 per cent of total capital funds. Loans and advances of up to Rs 25 lakhs, primarily to micro enterprises, should constitute at least 50 per cent of the loan portfolio. For the first three years, 25 per cent of branches should be in unbanked rural areas. The foreign shareholding in the bank would be as per the extant FDI policy. For the initial three years, prior approval will be required for branch expansion. Payment Banks The main objective of payment banks is to increase financial inclusion in the country via a primary focus on domestic payments services by providing small savings accounts. Payments banks will be used only for transaction and deposits purposes. Unlike small banks, payments banks cannot lend money. RBI granted 'in-principle' approval to 11 Payment Banks applicants- Reserve Bank of India (RBI) on 19 August 2015 granted in-principle approval to 11 payment banks applicants under the Guidelines for Licensing of Payments Banks. Committee on Payment Banks - These applications are analyzed and evaluated by an External Advisory Committee (EAC). The EAC Committee for Payment Banks is chaired by Dr. Nachiket Mor, Director, Central Board of the Reserve Bank of India. Key Points: Capital requirement - The minimum paid-up capital requirement for payments banks is Rs. 100 crore. The Reserve Bank grants a license for commencement of banking business under Section 22(1) of the Banking Regulation Act, RBI's in-principle nod will be valid for a period of 18 months, during which time the applicants have to comply with the requirements under the Guidelines and fulfill the other conditions as may be stipulated by the Reserve bank. 19

20 As per the guidelines, the promoters' initial minimum contribution will be at least 40 % of the minimum capital, to be locked in for a period of 5 years. The payments bank will need to invest 75 percent of its funds in government securities. Payments banks can open small savings accounts and accept deposits of up to Rs.1 lakh per individual customer and provide remittance services. Hence, the balance at the close of business on any day should not exceed Rs.1 lakh per customer. Payments banks can issue debit cards but they are not eligible to provide credit card facilities. Payments Banks are allowed to set up their own ATMs (automated teller machines). Payments banks will have to invest in government securities with a maturity of up to 1 year. What is Retail Banking? Retail banking is also known as Consumer Banking is the delivery of services by a bank to individual consumers, rather than to companies, corporations or other banks. Services offered include savings and transaction accounts, mortgages, personal loans, debit cards, and credit cards. In retail banking all the needs of individual customers are taken care of in a well integrated manner. Retail banking sector is characterized by three basic characteristics Multiple Products (deposits, credit cards, insurance, investment etc) Multiple Delivery Channels (call centre, branch, Internet and Kisosk) Multiple Customer groups (consumer, small business, and corporate). Objectives of Retail Banking - The objective of retail banking is to increase penetration by providing increasing level of services and increased access, by offering value added services to customers by packing with them with retail banking products and services. What is Inflation? Inflation is as an increase in the price of bunch of Goods and services that projects the Indian economy. An increase in inflation figures occurs when there is an increase in the average level of prices in Goods and services. Inflation happens when there are fewer Goods and more buyers; this will result in increase in the price of Goods, since there is more demand and less supply of the goods. What is Deflation? Deflation is the continuous decrease in prices of goods and services. Deflation occurs when the inflation rate becomes negative (below zero) and stays there for a longer period. GDP The Gross Domestic Product (GDP) is an estimated value of the total worth of a country s production and services, within its boundary, by its nationals and foreigners, calculated over the course of one year. Hence, GDP = Consumption + Investment + Government Spending + Exports Imports. GNP The Gross National Product (GNP) is an estimated value of the total worth of production and services, by citizens of a country, on its land or on foreign land, calculated over the course of one year. Hence, GNP = GDP + NR (Net income inflow from assets abroad or Net income Receipts) - NP (Net Payment outflow to foreign assets) Treasury Bills (T bills) Treasury Bills are instruments of short term borrowing by the Central/State govt. They are promissory notes issued at discount and for a fixed period. At present, the Government of India issues three types of treasury bills through auctions, namely, 91-day, 182-day and 364-day. There are no treasury bills issued by State Governments. Amount - Treasury bills are available for a minimum amount of Rs. 25,000 and in multiples of Rs. 25,000. Treasury bills are issued at a discount and are redeemed at par. 20

21 What is BSBDA? Under the guidelines issued on August 10, 2012 by RBI: Any individual, including poor or those from weaker section of the society, can open zero balance account in any bank. BSBDA 'Basic Savings Bank Deposit Account' guidelines are applicable to "all scheduled commercial banks in India, including foreign banks having branches in India". All the accounts opened earlier as 'no-frills' account should be renamed as BSBDA. Banks are required to convert the existing 'no-frills' accounts into 'Basic Savings Bank Deposit Accounts'. The BSBDA should be considered as a normal banking service available to all customers, through branches. The aim of introducing 'Basic Savings Bank Deposit Account' is very much part of the efforts of RBI for furthering Financial Inclusion objectives. Certificate of Deposits Certificate of Deposit (CD) is a negotiable money market instrument and issued in dematerialised form or as a Usance Promissory Note against funds deposited at a bank or other eligible financial institution for a specified time period. Minimum Size of Issue and Denominations - Minimum amount of a CD should be Rs.1 lakh, i.e., the minimum deposit that could be accepted from a single subscriber should not be less than Rs.1 lakh, and in multiples of Rs. 1 lakh thereafter. Maturity - The maturity period of CDs issued by banks should not be less than, from the date of issue. Commercial Paper Commercial Paper (CP) is an unsecured money market 7 days and not more than one year instrument issued in the form of a promissory note. It was introduced in India in Corporates, primary dealers (PDs) and the All-India Financial Institutions (FIs) are eligible to issue CP. Minimum & maximum period of maturity prescribed for CP - CP can be issued for maturities between a minimum of 7 days and a maximum of up to one year from the date of issue. However, the maturity date of the CP should not go beyond the date up to which the credit rating of the issuer is valid. Denominations - CP can be issued in denominations of Rs.5 lakh or multiples thereof. Who can invest in CP? Individuals, banking companies, other corporate bodies (registered or incorporated in India) and unincorporated bodies, Non-Resident Indians (NRIs) and Foreign Institutional Investors (FIIs) etc. can invest in CPs. However, investment by FIIs would be within the limits set for them by Securities and Exchange Board of India (SEBI) from time-to-time. Banking Ombudsman Scheme It is a scheme which allows bank customers resolve complaints relating to services rendered by banks. It was introduced under Section 35A of the Banking Regulation Act, 1949 by RBI with effect from Banking Ombudsman is a senior official appointed by RBI to redress customer complaints against deficiency in certain banking services. All Scheduled Commercial Banks, RRBs & Scheduled Primary Co- Op Banks are covered under the Scheme. Some aspects related to the Scheme: No fee is required for filing and resolving customers complaints. The amount, if any, to be paid by the bank to the complainant by way of compensation for any loss suffered by the complainant, is limited to the amount arising directly out of the act or omission of the bank or Rs 10 lakhs, whichever is lower. The Banking Ombudsman may award compensation not exceeding Rs 1 lakh to the complainant only in the case of complaints relating to credit card operations for mental agony and harassment. If a complaint is not settled by an agreement within a period of one month, the Banking Ombudsman proceeds further to pass an award. If one is not satisfied with the decision passed by the Banking Ombudsman, one can approach the appellate authority against the Banking Ombudsman s decision. The Appellate Authority is vested with a Deputy Governor of the RBI. 21

22 If one is aggrieved by the decision, one may, within 30 days of the date of receipt of the award, appeal against the award before the appellate authority. 3 gold schemes launched by Prime Minister Narendra Modi Prime Minister Narendra Modi launched three gold related schemes- (i) Gold Monetisation Scheme (GMS), (ii) Gold Sovereign Bond Scheme and the (iii) Gold Coin and Bullion Scheme India has surpassed China as the world's largest gold consumer, buying 562 tonnes of yellow metal so far this year, against China's 548 tonnes Scheme highlights - Gold Monetisation Scheme (GMS), The GMS will replace the existing Gold Deposit Scheme, However, the deposits outstanding under the Gold Deposit Scheme will be allowed to run till maturity unless the depositors prematurely withdraw them. Few things to know about the scheme Who can make deposit under the scheme Resident Indians (individuals, HUF, trusts, including mutual funds/exchange traded funds registered under Sebi norms) can make deposits under the scheme. Minimum Limit - The minimum deposit at any one time will be raw gold (bars, coins, jewellery excluding stones and other metals) equivalent to 30 grams of the precious metal of 995 fineness. Maximum limit - There is no maximum limit for deposit under the scheme and the metal will be accepted at the Collection and Purity Testing Centres (CPTC) certified by the Bureau of Indian Standards. Interest Rate - Gold Monetisation Scheme can earn up to 2.50 per cent interest rate on their idle gold. Note: Interest rate on Medium and Long Term Government Deposit (MLTGD) are 2.25 per cent and 2.20 per cent, respectively. Tenor The tenor of medium term would be between 5-7 years while long term would for years tenure. Sovereign Gold Bond Scheme Few things to know about the scheme Instead of buying gold in physical form investors can park their money in bonds which are backed by gold. The bonds will be available both in demat and paper form. Sovereign Gold Bond has more or equal advantage against the physical gold. The bond will be issued by RBI on behalf of the Government of India. Maximum Limit - The bond would be restricted for sale to resident Indian entities and the maximum allowable limit is 500 grams per person per year. Rate per gram - The RBI has fixed the public issue price of sovereign gold bonds at Rs 2,684 per gram. Denominations - These bonds will be issued in denominations of 5, 10, 50 and 100 grams of gold or other denominations. Know-your-customer (KYC) norms will be the same as that for purchase of physical gold. KYC documents such as Voter ID, Aadhaar Card/PAN or TAN /Passport will be required. Gold coins and Bullion Scheme - The coins will be available in denominations of 5 and 10 grams. A 20 gram bar or bullion will also be available. About 15,000 coins of 5 gm, 20,000 coins of 10 gm and 3,750 gold bullions will be made available through MMTC outlets. Different Types of Bank Accounts Normally there are 4 types of deposits account in Bank which are (1) Saving Account (2) Current Account (3) Recurring Account 22

23 (4) Fixed Deposit Account Saving Bank Account - Savings account are basically for individuals and small businesses. You may Rs.1000 today, you may deposit Rs.1000 today. Tomorrow you may require Rs.5000, you may withdraw Rs.5000 tomorrow. Similarly a grocery shop owner may deposit Rs today & in need he may withdraw Rs.5000 tomorrow. This is not for large businesses. These accounts can be opened individually or jointly or by Hindu undivided family, there is a system invoked that is known as Hindu undivided family (the head of the family will operate the account). Another important point is, this is normally intended for person above 18 years of age but person b/w 10 to 18 years can also open individually without guardian but with some restrictions. Minor accounts i.e below 10 years accounts has to be opened with guardian only. Salient Features of Saving Bank Account Saving Bank account is basically for individuals and small businesses. The objective of saving bank account is to promote savings. The rate of interest payable is very nominal on saving accounts. Minimum Balance (varies from bank to bank) Normally Rs. 500 (without cheque book facility) Normally Rs (with cheque book facility) Some banks like HDFC, ICICI Bank - allow premium savings a/c deposits with minimum balance of Rs or Rs Bank offer zero balance accounts previously known as No frills accounts / BSBDA and now under PMJDY Note: If you go to some bank like ICICI or HDFC they may specify 10000/- min. balance in a metropolitan area, 5000/- in small towns, 2000/- in rural areas. So the min. balance may differ. If minimum balance is not maintained banks may impose penalty. What is Regulation and De-Regulation? From 25 Oct 2011 the interest rate of Saving Account is deregulated by RBI. If somebody (RBI) is controlling then it is regulation, if you (banks) are controlling i.e deregulation. Note: Banks are free to decide interest rate on Savings bank a/c deposits. From 1st April 2010 interest on SA is calculated on daily basis taking into account minimum balance available. Interest on SA is around 4%. Current Account - Are for big businesses, companies and institutions such as school, colleges etc., a big business do lot many transactions across the country. Since there are restriction on number of withdrawals from saving bank account, this type of account is not suitable for them. They need to have an account from which withdrawal can be made any no. of times. Salient Features of Current Account Firms & companies are eligible to open account. Current bank accounts are operated to run a business. It is a non-interest bearing bank account. No limit on either the number of transactions or the maximum amount of transactions Overdraft facility (short term loan facility) is available It needs a higher minimum balance to be maintained as compared to the savings account. Difference b/w Saving & Current Account Saving Bank Account Bank pays interest on daily basis Restriction on the number and amount of withdrawals Current Bank Account Bank does not pay any interest on current account. There is no restriction on the number and amount of withdrawals 23

24 SA can be opened by individuals, small businesses and students, etc. Nomination facility is available for SA deposits. Current Accounts are for big businesses, companies and institutions, etc. Nomination facility is normally not available for CA deposits. Note: Now CA & SA together are known as demand deposit, since they are payable on demand. Suppose you need Rs.5000 today you withdraw Rs.5000 today. CASA RATIO The Ratio of the deposits in the form of Current Account & Saving Account to the total deposits is known as CASA Ratio (normally expressed in %). More CASA ratio banks are in the safe zone. ICCI, AXIS, HDFC & SBI have CASA Ratio more than 40%. Fixed Deposit and Recurring Deposit - these deposits are TIME deposits (as for specified agreed period b/w you and the bank). In these deposits interest paid by the bank is slightly higher than CA & SA. It s like sabar ka fal mitha hota hai. Note: If you are depositing the money for 1 year you will get the money after 1 year. But if you withdraw before the agreed period i.e before 1 year, you have to pay penalty. Cheque book facility is not available for time deposits. Salient Features of FD FIXED DEPOSIT can be operated for a tenure ranging from 7 days to 10 years in Indian banking system. Not payable on demand and do not enjoy cheque facility. Interest rates will be slightly higher for senior citizens (60 + years of age) Premature withdrawal of the deposits is possible, but it attracts penalty at the rates varying from 0.5% to 1.5% If the deposits are Rs. 1 Crore or more, they come under bulk deposits and interest rates may vary further. Loan facility is available on principal as well as on interest. But in FD you have to pay income tax. If your interest income exceeds Rs banks will deduct TDS (Tax diretionate source) i.e banks itself will deduct income tax. Recurring Deposit Recurring Deposit is a special kind of Term Deposit offered by banks in India which help people with regular incomes to deposit a fixed amount every month into their Recurring Deposit account and earn interest at the rate applicable to Fixed Deposits. The main objective of recurring deposit account is to develop regular savings habit among the public. Salient Features of RD In India, minimum amount that can be deposited is Rs.10 at regular intervals. The period of deposit is minimum six months and maximum ten years. (Minimum tenure varies banks to banks. Some banks allow minimum tenure in RD for 3 months.) Minimum balance can be deposited under RD is Rs. 500 per month and thereafter in multiples of Rs 100/- The rate of interest is higher. Banking Abbreviations ABEDA Arab Bank for Economic Development in KCC Kisan Credit Card. Africa. ACF Auto Correlation Function. KMB Kotak Mahindra Bank. ACS Automated Clearing Systm. KVB Karur Vysya Bank. AD Authorized Dealer. KYC Know Your Customer. ADB Asian Development Bank. LAB Local Area Bank. ADR American Depository Receipt. LAF Liquidity Adjustment Facility. AEPS Aadhaar Enabled Payments Switch. LDB Land Development Bank. AFS Annual Financial Statement. LIBOR London Inter Bank Offered Rate. AGM Annual General Meeting. MIBOR Mumbai Inter Bank Offer Rate. AIC Agricultural Insurance Company. NABARD National Bank for Agricultural and Rural Development. 24

25 ASSOCHAM Associated Chambers of Commerce and NAS National Account Statistics. Industry of India. AMFL Association of Mutual Funds in India. NAV Net Asset Value. AML Anti Money Laundering. NBC Non Banking Companies. ALM Asset Liability Management. NBFC Non Banking and Finance companies. ATM Automated Teller Machine. NEFT National Electronic Funds Transfer System. BCSBI Banking Codes and Standards Board of NFA No Frills Account. India. BIS Bank for International Settlements. NFC Non Banking Finance Companies. BOB Bank of Baroda. NHB National Housing Bank. BOI Bank of India. NIB Nordic Investment Bank. BOP Balance of Payments. NPA Non Performing Assets. BOR Bank of Rajasthan. NPS National Pensions Scheme. BOT Build,Operate and Transfer. NSE National Stock Exchange. BR Act Banking Regulations Act, OMO Open Market Operations. BSCS Basel Committee on Banking Supervision. OTP One Time Password. BSR Basic Statistical Returns. PGS Payment Gateway System. BSE Bombay Stock Exchange. RBI Reserve Bank Of India. BSR Basic Statistical Returns. RBS Royal Bank of Scotland. BIS Bank for International Settlements. RRB Regional Rural Bank. CA Chartered Accountant. RTGS Real Time Gross Settlement System. CAD Capital Account Deficit. SCB Scheduled Commercial Bank. CAG Controller and Auditor General. SCC Selective Credit Control. CAG Controller and Auditor General of India. SEPA Single Euro Payment Area. CAR Cash Adequacy Ratio. SEBI Security Exchange Board Of India. CB Canara Bank. SHGs Self Help Groups. CBS Core Banking Solution. SIDBI Small Industries and Development Bank of India. CDB Caribbean Development Bank. SLR Statutory Liquidity Ratio. CDBS Committee of Direction on Banking SPNS Shared Payment Network System. Statistics. CDS Credit Default Swap. SWIFT Society For World Wide Inter Bank Financial Telecommunication. CEPA Comprehensive Economic Partnership ULIP Unit Linked Insurance Plan. Agreement. CFRA Combined Finance and Revenue Accounts. UCB Urban Cooperative Bank. CGRA Currency and Gold Revaluation Account. UEBA Universal Electronic Bank Account. CIBIL Credit Information Bureau (India) Limited. UIDAI Unique Identification Authority of India. CPI Consumer Price Index. ULIP Unit Linked Insurance Policies. CRAR Capital To Risk Weighted Asset Ratio. UPIN Unique Property Identification Numbers. CRMD Credit Risk Management Department. USB Ultra Small Branch. CRR Cash Reserve Ratio. USD United States Dollar. CTI Country Threat Index. VDBS Vertically Differentiated Banking System. 25

26 COB Corporation Bank. WBCIS Weather Based Crop Insurance Scheme. CUB City Union Bank WL ATM White Label ATM. DTAA Double Taxation Avoidance Agreement. WPFI World Press Freedom Index. ECB External Commercial Borrowings. WPI Wholesale Price Index. ECS Electronic Clearing System. KCC Kisan Credit Card. EEFC Exchange Earner s Foreign Currency. KMB Kotak Mahindra Bank. ELSS Equity Linked Saving Scheme. KVB Karur Vysya Bank. EADB East African Development Bank. KYC Know Your Customer. EBRD European Bank for Reconstruction and LAB Local Area Bank. Development. EIB European Investment Bank. LAF Liquidity Adjustment Facility. EXIM Export Import Bank of India. LDB Land Development Bank. FCA Foreign Currency Assets. LIBOR London Inter Bank Offered Rate. FCCB Foreign Currency Convertible Bonds. MIBOR Mumbai Inter Bank Offer Rate. FCNRA Foreign Currency Non resident Account. NABARD National Bank for Agricultural and Rural Development. FDI Foreign Direct Investment. NAS National Account Statistics. FERA Foreign Exchange Regulation Act. NAV Net Asset Value. FICCI Federation of Indian Chambers of NBC Non Banking Companies. Commerce and Industry. FII Foreign Institutional Investor. NBFC Non Banking and Finance companies. FIMMDA Fixed Income Money Markets and NEFT National Electronic Funds Transfer Derivatives Association. System. FIPB Foreign Investment Promotion Board. NFA No Frills Account. FPI Foreign Portfolio Investment. NFC Non Banking Finance Companies. FTA Free Trade Agreement. NHB National Housing Bank. GDP Gross Domestic Product. NIB Nordic Investment Bank. GDR Global Depository Receipt. NPA Non Performing Assets. GFD Gross Fiscal Deficit. NPS National Pensions Scheme. GIRO Government Internal Revenue Order. NSE National Stock Exchange. GAAR General Anti Avoidance Rule. OMO Open Market Operations. HDFC Housing Development Finance OTP One Time Password. Corporation. IADB Inter American Development Bank. PGS Payment Gateway System. IBPS Institute of Banking Personnel Selection. RBI Reserve Bank Of India. IBRD International Bank For Reconstruction And RBS Royal Bank of Scotland. Development. ICA Indian Council of Agricultural Research. RRB Regional Rural Bank. ICICI Industrial Credit and Investment RTGS Real Time Gross Settlement System. Corporation of India. IDB Islamic Development Bank. SCB Scheduled Commercial Bank. IDBI Industrial Development Bank of India. SCC Selective Credit Control. IDR Indian Depository Receipts. SEPA Single Euro Payment Area. IIB International Investment Bank. SEBI Security Exchange Board Of India. IIBF Indian Institute of Banking and Finance. SHGs Self Help Groups. IRR Internal Rate Of Return. SIDBI Small Industries and Development Bank of India. 26

27 IMD India Millennium Deposits. SLR Statutory Liquidity Ratio. IMF International Monetary Fund. SPNS Shared Payment Network System. IMPS Immediate Mobile Payment System. SWIFT Society For World Wide Inter Bank Financial Telecommunication. IOB Indian Overseas Bank. ULIP Unit Linked Insurance Plan. IPO Initial Public Offering. UCB Urban Cooperative Bank. IRBI Industrial Reconstruction Bank of India. UEBA Universal Electronic Bank Account. STATIC GK TORNADO Sansad Adarsh Gram Yojana : is a rural development programme broadly focusing upon the development in the villages which includes social development, cultural development and spread motivation among the people on social mobilization of the village community. List of few important villages adopted by MPs Narendra Modi has adopted Nagepur village his constituency Varanasi (Uttar Pradesh). Y. S. Chowdary has adopted Ponnavaram village in Krishna district (Andhra Pradesh). Sonia Gandhi adopted Udwa village in her constituency Rae Bareli (Uttar Pradesh). Rahul Gandhi adopted Deeh village in his constituency Amethi (Uttar Pradesh). V. K. Singh adopted Mirpur Hindu in his constituency Ghaziabad (Uttar Pradesh). Ahmed Patel adopted Vandari village in Rajpipada(Gujarat). Sachin Tendulkar adopted Puttamraju vari Kandriga(P.R.Kandriga) a village near Gudur in Nellore (Andhra Pradesh). Harish Dwivedi adopted Amodha Khas village in Basti(Uttar Pradesh). Smt. Sushma Swaraj has adopted Aajnas village in Dewas (Madhya Pradesh) Indian railways: Indian Railways owned and operated by the Government of India through the Ministry of Railways. Indian Railways is divided into 17 zones, which are further sub-divided into divisions. There are a total of sixty-eight divisions. Railway Zones Abbr. Zone Headquarters Railway Divions Northern Railway NR Delhi Delhi, Ambala, Firozpur, Lucknow NR, Moradabad North Eastern NER Gorakhpur Izzatnagar, Lucknow NER, Varanasi Railway Northeast Frontier NFR Guwahati Alipurduar, Katihar, Rangiya, Lumding, Tinsukia Railway Eastern Railway ER Kolkata Howrah,Sealdah,Asansol,Malda South Eastern SER Kolkata Adra,Chakradharpur,Kharagpur,Ranchi Railway South Central Railway SCR Secunderabad Secunderabad,Hyderabad,Vijayawada,Guntakal,Gu ntur, Nanded Southern Railway SR Chennai Chennai,Tiruchirappalli, Madurai,Palakkad, Salem, Thiruvananthapuram Central Railway CR Mumbai Mumbai, Bhusawal,Pune,Solapur, Nagpur Western Railway WR Mumbai Mumbai WR,Ratlam,Ahmedabad, Rajkot, Bhavnagar,Vadodara 27

28 South Western SWR Hubballi Hubballi,Bengaluru, Mysuru, Railway North Western NWR Jaipur Jaipur, Ajmer, Bikaner,Jodhpur Railway West Central Railway WCR Jabalpur Jabalpur, Bhopal, Kota North Central Railway NCR Allahabad Allahabad, Agra, Jhansi South East Central SECR Bilaspur Bilaspur, Raipur, Nagpur Railway East Coast Railway ECoR Bhubaneswar Khurda Road, Sambalpur,Waltair East Central Railway ECR Hajipur Danapur, Dhanbad, Mughalsarai, Samastipur, Sonpur Konkan Railway KR CBD Belapur, Navi Mumbai Karwar,Ratnagiri List of Highest, Longest, Biggest in India & World Highest Mountain in India Kangchenjunga Coldest continent Antarctica Highest Mountain in world Mt. Everest Longest river in India Ganga Highest rainfall Mawsynram, Meghalaya, India Longest river in World Highest waterfall Angel Falls Longest coastline of India Gujrat Biggest forest in world Amazon Biggest country Russia Biggest forest in India Van Vihar national Park Biggest continent Asia Largest & Deepest ocean Pacific Nile List of Gardens in India Hanging Gardens Mumbai Jallianwala Bagh Amritsar Brindavan Garden Mysore Kalindi Kunj NCR Rock Garden Chandigarh Indian Botanical Garden Howrah Lodi Gardens Delhi Lal Bagh Garden Bangalore Pinjore Gardens Panchkula Lloyds Botanical Garden Darjeeling Shalimar Bagh Kashmir Law Garden Ahmedabad Rock Garden Darjeeling Mughal Garden New Delhi Nishat Bagh Srinagar Nishat Bagh Kashmir Company Garden Allahabad Shalimar Garden Jammu Kashmir Lal Bagh Bangalore Shalimar Garden New Delhi Tulip Garden Srinagar Botanical Garden Ooty Sarita Udyan Gandhinagar Gulab Bagh (Sajjan Niwas Udaipur Garden) Chambal Garden Kota Sim Park Tamilnadu Chashme Shahi Garden Kashmir The Jawaharlal Nehru Botanical Garden 28 Near gangtok

29 List of Sea Port & Location Sea Port Name Location Sea Port Name Location Chennai Port or Madras Port Chennai, Madras Mormugao Port Goa Haldia (Kolkata Dock System & Haldia Dock Complex) Kolkata Mumbai Port West Mumbai, Maharashtra Jawaharlal Nehru Port, also known Maharashtra,South Panaji Panaji Goa as Nhava Sheva Mumbai Kamarajar Port or Ennore Port Ennore, Chennai Paradip Jagatsinghpur, Odisha Kandla Port Gujarat, Gulf of Tuticorin Port (now Tuticorin, Tamil Nadu Kutch called V.O.Chidambaram Port) Kochi Port or Cochin Port Kochi, Kerala Visakhapatnam Port Andhra Pradesh List of Important National Parks & Wildlife Sanctuaries of India Assam Kaziranga National Park Dibru-Saikhowa National Park Manas National Park Nameri National Park Rajiv Gandhi Orang National Park Nambor WLS Bihar Valmiki National Park Gautam Budha WLS Kaimur WLS Chhatisgarh Indravati National Park Kanger Valley National Park Guru Ghasi Das (Sanjay) Badalkhol WLS Goa Bhagwan Mahavir (Mollem) National Park Bondla WLS Madei WLS Amchang WLS Chakrashila WLS Dihing Patkai WLS East Karbi Anglong WLS North Karbi Anglong WLS Pant (Rajgir) WLS Valmiki WLS Bhairamgarh WLS Bhoramdev WLS Udanti Wild Buffalo WLS Netravali WLS Bhagwan Mahavir (Mollem) WLS Gujarat Gir National Park & Sasan Gir Sanctuary Blackbuck National Park, Velavadar Marine National Park, Gulf of Kutch Kutch Desert WLS Mitiyala WLS Porbandar Lake WLS 29

30 Bansda National Park Jambugodha WLS Jessore WLS Wild Ass WLS Haryana Kalesar National Park Sultanpur National Park Bhindawas WLS Himachal Pradesh Pin Valley National Park Great Himalayan National Park Inderkilla National Park Khirganga National Park Simbalbara National Park Bandli WLS Daranghati WLS Jammu & Kashmir Dachigam National Park Hemis National Park Kishtwar National Park Salim Ali National Park Jharkhand Betla National Park Lawalong WLS Karnataka Dandeli National Park Nagarhole National Park Bandipur National Park Bannerghatta National Park Kudremukh National Park Anshi national park Arabithittu WLS Attiveri WLS Someshwara WLS Kerala Periyar Wildlife Sanctuary Chinnar Wildlife Sanctuary Eravikulam National Park Mathikettan Shola National Park Rampara Vidi WLS Ratanmahal WLS Thol Lake WLS N Khaparwas WLS Kalesar WLS Daranghati WLS Dhauladhar WLS Nargu WLS Pong Dam Lake WLS Shilli WLS Talra WLS Gulmarg WLS Limber WLS Nandini WLS Dachigam National Park Palkot WLS Parasnath WLS Bhadra WLS Bhimgad WLS Brahmagiri WLS Cauvery WLS Nugu WLS Pushpagiri WLS Ranganathittu Bird WLS Sharavathi Valley WLS Pampadum Shola National Park Aralam WLS Chimmony WLS Idukki WLS 30

31 Silent Valley National Park Anamudi Shola National Park Periyar Wildlife Sanctuary Chinnar Wildlife Sanctuary Madhya Pradesh Bandhavgarh National Park Pench National Park Kanha National Park Panna National Park Madhav National Park Mandla Plant Fossils National Park Pench National Park Sanjay National Park Satpura National Park Van Vihar national park Maharastra Sanjay Gandhi National Park Chandoli National Park Navegaon National Park Tadoba National Park Gugamal national park Aner Dam WLS Bhamragarh WLS Bhimashankar WLS Great Indian Bustard WLS Manipur Keibul Lamjao National Park Malabar WLS Mangalavanam Bird WLS Neyyar WLS Periyar WLS Bori WLS Gandhi Sagar WLS Ghatigaon WLS Ken Gharial WLS Narsighgarh WLS National Chambal WLS Orcha WLS Kuno WLS Sardarpur WLS Son Gharial WLS Tipeshwar WLS Jaikwadi WLS Koyana WLS Nagzira WLS Painganga WLS Radhanagari WLS Sagareshwar WLS Tungareshwar WLS Yangoupokpi-Lokchao WLS Meghalaya Balphakram National Park Mizoram Murlen National Park Phawngpui Blue National Park Mountain National Park Dampa WLS (TR) Ngengpui WLS Nagaland Intanki National Park Fakim WLS Pualreng WLS Tokalo WLS Nokrek National Park Baghmara Pitcher Plant WLS Nongkhyllem WLS Puliebadze WLS Rangapahar WLS 31

32 Odisha Similipal National Park Bhitarkanika National Park Badrama WLS Baisipalli WLS Punjab Abohar WLS Harike Lake WLS Rajasthan Keoladeo Bird Sanctuary/ Bharatpur National Park Sariska National Park Ranthambore National Park Darrah National Park Desert National Park Bundh Baratha WLS Darrah WLS Sikkim Khangchendzonga National Park Fambong Lho WLS Kitam WLS (Bird) Tamil Nadu Mudumalai National Park Mukurthi National Park Indira Gandhi (Annamalai) National Park Guindy National Park Gulf of Mannar Marine National Park Indira Gandhi (Annamalai) WLS Kalakad WLS Tripura Bison(Rajbari) National Park Clouded Leopard National Park Gumti WLS Uttarakhand Rajaji National Park Jim Corbett National Park Gangotri National Park Valley of Flowers National Park Askot Musk Deer WLS Chilika (Nalaban) WLS Hadgarh WLS Khalasuni WLS Satkosia Gorge WLS Jhajjar Bacholi WLS Jawahar Sagar WLS Kailadevi WLS Mount Abu WLS Ramsagar WLS Sawai Man Singh WLS Shergarh WLS Sitamata WLS Maenam WLS Pangolakha WLS Karaivetti WLS Karikili WLS Mudumalai WLS Pulicat Lake WLS Vaduvoor WLS Vedanthangal WLS Vettangudi WLS Rowa WLS Sepahijala WLS Trishna WLS Binsar WLS Govind Pashu Vihar WLS Kedarnath WLS Sonanadi WLS 32

33 Uttar Pradesh Dudhwa National Park Hastinapur WLS Ranipur WLS Sohagibarwa WLS West Bengal Sunderbans Wildlife Sanctuary Buxa National Park Neora Valley NationalPark Singalila National Park Ballavpur WLS Sur Sarovar WLS Chandraprabha WLS National Chambal WLS Chintamani Kar Bird Sanctuary Haliday Island WLS Lothian Island WLS Mahananda WLS List of State, Nuclear Power Station & Thermal Power Station State Nuclear Power Station Thermal Power Station Andhra Pradesh Simhadri Super Thermal Power Plant Sri Damodaram Sanjeevaiah Thermal Power Station Assam Bongaigaon Thermal Power Plant Bihar Barauni Thermal Power Station Kahalgaon Super Thermal Power Station Chhattisgarh Korba Super Thermal Power Plant Sipat Thermal Power Plant Bhilai Expansion Power Plant (iv) Hasdeo Thermal Power Station Gujarat Kakrapar Nuclear power station Mundra (TPP) Ukai Thermal Power Station Sikka Thermal Power Station (iv) Akrimota Thermal Power Station Haryana Gorakhpur Atomic Power Station Deenbandhu Chhotu Ram Thermal Power Station (ii) Rajiv Gandhi Thermal Power Station Himachal Pradesh Girinagar Hydel Project Binwa Hydel Project Rangtong Hydel Project Baner and Neugal Project Jharkhand Patratu Thermal Power Station Bokaro Thermal Power Station Chandrapura Thermal Power Station (iv) Koderma Thermal Power Station Karnataka Kaiga Nuclear power station Udupi Thermal Power Plant Bellary Thermal Power station (iv) Raichur Thermal Power Station Kerala Brahmapuram Power Station 33

34 (ii) Kayamkulam Power Station Madhya Pradesh Vindhyachal Super Thermal Power Station Sant Singaji (TPP) Satpura Thermal Power Station Amarkantak Thermal Power Station (v) Sasan Ultra Mega Power Project Maharashtra Tarapur Atomic power station (ii) Jaitapur Nuclear Power Project Tirora (TPP) Amravati (TPP) Chandrapur Super (TPP) (iv) Khaperkheda Thermal Power Station Nagaland Dikhu Hydro Electric Power Plant Odisha Talcher Super Thermal Power Station Hirakud Captive Power Plant Punjab Guru Gobind Singh Super Thermal Power Plant Rajasthan Rawatbhata Chhabra (TPP) Suratgarh Power Station Sikkim Rangit Hydro Electric Power Prject Tamil Nadu Kundakulam Nuclear Power Plant Kalpakkam Mettur Theral Power Station Neyveli Thermal Tuticorin Thermal Power Station Tripura Palatana Thermal Power Plant Uttar Pradesh Narora Atomic Power Station Rihand Thermal Power Station Singrauli Super Thermal Power Station Anpara Thermal Power Station Obra Thermal Power Station Rosa (TPS) Panki (TPS) Uttarakhand Chibro Power Plant Khodri Power Plant Chilla Power Plant West Bengal Durgapur Thermal Power Station List of Famous Places - Famous Names, Cities and Aliases Famous names Cities Famous names Cities Golden City Amritsar Pink City Jaipur Manchester of India Ahmedabad Gateway of India Mumbai City of Seven Islands Mumbai Twin City Hyderabad, Secunderabad Queen of Arabian Sea Cochin City of Festivals Madurai Space City Bangalore Deccan Queen Pune Garden City of India Bangalore City of Buildings Kolkata Silicon Valley of India Bangalore Dakshin Ganga Godavari Electronic City of India Bangalore 34

35 List of State, River and Dam State River Dam Uttarakhand Bhagirathi Tehri Dam Himachal Pradesh Sutlej Bhakra Dam Kerala Periyar Idukki arch Dam Uttarakhand Yamuna Lakhwar Dam Gujarat Narmada Sardar Sarover Dam Telangna/Andhra Pradesh Krishna Srisailam Dam Punjab Raavi Ranjit Sagar Dam Jammu & Kashmir Chenab Baglihar Dam Telangna/Andhra Pradesh Krishna Nagarjuna Sagar Dam Jammu & Kashmir Chenab Salal Dam Maharashtra Koyna Koyna Dam Uttar Pradesh Rihand Rihand Dam Gujarat Tapi Ukai Dam Madhya Pradesh Narmada Indira Sagar Dam Jammu & Kashmir Suru Chutak Hydroelectric Power plant (Kargil district) Jammu & Kashmir (Leh district) Sindhu Nimoo Bazgo Hydroelectric Power plant Jammu & Kashmir Jhelum Uri Dam (Baramula district) Tamil Nadu Kaveri Mettur Dam Odisha Mahanadi Hirakud Dam Rajasthan Chambal Jawahar Sagar Dam Rajasthan Chambal Rana Pratap Sagar Dam Uttarakhand Bhagirathi Koteshwar Dam Madhya Pradesh Chambal Gandhi Sagar Dam Madhya Pradesh Narmada Omkareshwar Dam Kerala (idukki district) Periyar Mullaperiyar Dam List of Revolution and Field Revolution Black Revolution Blue Revolution Brown Revolution Golden Fiber Revolution Golden Revolution Green Revolution Grey Revolution Pink Revolution Red Revolution Round Revolution Silver Fiber Revolution Field Petroleum Production Fish Production Leather/nonconventional(India)/Cocoa production Jute Production Fruits/Overall Horticulture development/honey Production Food grains Fertilizer Onion production/pharmaceutical (India)/Prawn production Meat & Tomato Production Potato Cotton 35

36 Silver Revolution White Revolution (In India : Operation Flood) Yellow Revolution Evergreen Revolution Egg/Poultry Production Milk/Dairy production Oil Seeds production Overall development of Agriculture List of State, Folk Dance and Classical Dance State Folk Dance Classical Dance Andhra Pradesh Changu Kuchipudi Assam Bihu Bihar Chhau Gujarat Garba Jammu and Kashmir Dumhal Rauf Kerala Padayani Kathakali Karnataka Dollu Kunitha Maharashtra Lavani Madhya Pradesh Gaur Manupur Manipuri Odisha Changu Odissi Punjab Bhangra Rajasthan (i) Gair (ii) Ghoomar Tamil Nadu Karagam Bharat Natyam Uttar Pradesh Kathak West Bengal Chhau List of State, Monuments and Temples State Monuments Temples Andhra Pradesh (i) Srisailam Temple (ii) Tirupathi Temple Assam (i) Kamakhya Temple (ii) Sukresvara Temple Bihar Mahabodhi Temple Delhi (NCT) (i) Humayun s Tomb (ii) The Red Fort (iii) Qutub Minar (iv) Lotus Temple (v) Janatar Mantar Gujarat Somnath Temple Haryana Markandeshwar Temple Jammu and Kashmir Dal Lake Amarnath Temple Kerala Sabrimala Temple Maharashtra Siddhivinayak Temple Odisha Konark Sun Temple 36

37 Punjab Darbar Sahib Amritsar Golden Temple Rajasthan (i) Hawa Mahal Jaipur Birla Mandir (ii) Mehrangarh Fort Jodhpur (iii) Jal Mahal Jaipur Tamil Nadu (i) Meenakshi Temple (ii) Brihadeeswarar Temple Telangana Salar Jung Museum Hyderabad Uttar Pradesh Taj Mahal Agra West Bengal Victoria Memorial - Kolkata List of National and International Water Falls India Water Falls International Water Falls Odisha Barehipani Falls Venezuela Angel Goa Dudhsagar Falls Venezuela Kukenaam Meghalaya Nohkalikai Falls USA Ribbon Meghalaya Langshiang Falls South Africa Tugela Karnataka Jog Falls or Gersoppa falls Australia Wollomombi (Plunge waterfalls) Karnataka Magod Falls Brazil Guaria Karnataka Lushington Falls or Unchalli Falls or Canada Niagara Keppa Jog falls Karnataka Sivasamudram Falls Zimbabwe Victoria Karnataka Kunchikal Falls (Tiered waterfalls) Jharkhand Hundru Falls Madhya Pradesh Kapildhara Falls List of Airport, City and State Airport City State Veer Savarkar International Airport Port Blair Andaman and Nicobar Islands Visakhapatnam Airport Visakhapatnam Andhra Pradesh Rajiv Gandhi International Airport Hyderabad Andhra Pradesh Lokpriya Gopinath Bordoloi International Guwahati Assam Airport Indira Gandhi International Airport New Delhi Delhi Goa International Airport Goa Goa Sardar Vallabhbhai Patel International Airport Ahmedabad Gujarat Kempegowda International Airport Bengaluru Karnataka Mangalore International Airport Mangalore Karnataka Cochin International Airport Kochi Kerala Calicut International Airport Kozhikode Kerala Trivandrum International Airport Thiruvananthapuram Kerala Chhatrapati Shivaji International Airport Mumbai Maharashtra Dr. Babasaheb Ambedkar International Airport Nagpur Maharashtra 37

38 Tulihal Airport Imphal Manipur Biju Patnaik International Airport Bhubaneswar Odisha Sri Guru Ram Dass Jee International Airport Amritsar Punjab Jaipur International Airport Jaipur Rajasthan Chennai International Airport Chennai Tamil Nadu Coimbatore International Airport Coimbatore Tamil Nadu Tiruchirapalli International Airport Tiruchirapalli Tamil Nadu Chaudhary Charan Singh Airport Lucknow Uttar Pradesh Lal Bahadur Shastri Airport Varanasi Uttar Pradesh Netaji Subhash Chandra Bose International Airport Kolkata West Bengal Important Boundary Lines Durand Line is the line demarcating the boundaries of Afghanistan and Pakistan. It was drawn up in 1896 by Sir Mortimer Durand. Hindenburg Line is the boundary dividing Germany and Poland. The Germans retreated to this line in 1917 during World War I. Mason-dixon Line is a line of demarcation between four states in the United States. Marginal Line was the 320 km line of fortification built by France along its border with Germany before World War II, to protect its boundary from German attack. Mannerheim Line is the line of fortification on the Russia-Finland border. Drawn up by General Mannerheim. Macmahon Line was drawn up by Sir. Henry MacMahon, demarcating the frontier of India and China. China did not recognize the MacMahon line and crossed it in Medicine Line is the border between Canada and the United States. Order-neisse Line is the border between Poland and Germany, running along the Order and Beisse rivers, adopted at the poland Conference (August 1945) after Radcliffe Line was drawn up by Sir Cyril Radcliffe, demarcating the boundary between India and Pakistan. Siegfried Line is the line of fortification drawn up by Germany on its border with France. 17th Parallel defined the boundary between North Vietnam and South Vietnam before the two were united. 24th Parallel is the line which Pakistan claims for demarcation between India and Pakistan. This, however, is not recognized by India. 26th Parallel south is a circle of latitude which croses through Africa, Australia and South America. 30th PARALLEL north is a line of latitude that Stands one-third of the way between the equator and the North Pole. 33rd Parallel north is a circle of latitude which cuts through the southeren United States, parts of North Africa, parts of the Middle East, and China. 35th Parallel north forms the boundary between the State of North Carolina and the State of Georgia and the boundary between the State of Tennessee arid the State of Georgia the State of Alabama, and the State of Mississippi Parallel north forms the boundary between the Tennessee and Commonwealth of Kentucky between the Tennessee River and the Mississippi River, the boundary between Missiouri and 38

39 Arkansas west of the White River, and the northernmost boundary between the Texas and the Oklahoma. 37th Parallel north formed the southern boundary of the historic and extralegal Territory of Jefferson. 38th Parallel is the parallel of latitude which separates North Korea and South Korea. 39th Parallel north is an imaginary circle of latitude that is 39 degrees north of the Earth s equatorial plane. 40th Parallel north formed the original northern boundary of the British Colony of Maryland. 41th Parallel north forms the northern boundary of the State of Colorado with Nebraska and Wyoming and the southern boundary of the State of Wyoming with Colorado and Utah. 42nd Parallel north forms most of the New York - Pennsylania Border. 43rd Parallel north forms most of the boundary between the State of Nebraska and the State of South Dakota and also formed the northern border of the historic and extralegal Territory of Jefferson. The Parallel 440 north is an imaginary circle of latitude that is 44 degrees north of the Earth s equatorial plane. 45th Parallel north is often called the halfway point between the Equator and the North Pole. The 45th parallel makes up most of the boundary between Montana and Wyoming. 45th parallel of south latitude is the east-west line that marks the theoretical halfway point between the equator and the South Pole. 49th Parallel is the boundary between USA and Canada List of International Stadiums and Place India Name of Stadium Place Name of Stadium Place Feroz Shah Kotla Ground Delhi Himachal Pradesh Cricket Dharamshala Association Stadium Brabourne Stadium Mumbai M Chinnaswamy Stadium Bangalore Green Park Stadium Kanpur M.A. Chidambaram Stadium Chennai Wankhede Stadium Mumbai Sawai Mansingh Stadium Jaipur Barabati Stadium Cuttack Punjab Cricket Association Mohali Stadium Eden Gardens Kolkata Green Park Stadium Kanpur Australia Name of Stadium Place Name of Stadium Place Adelaide Oval Adelaide Marrara Cricket Ground Darwin Bundaberg Rum Cairns Melbourne Cricket Ground Melbourne Telstra Dome Melbourne Sydney Cricket Ground Sydney Manuka Oval Canberra W.A.C.A. Ground Perth Bangladesh Name of Stadium Place Name of Stadium Place 39

40 Bangabandhu National Stadium Dhaka Chittagong Stadium Chittagong England Name of Stadium Place Name of Stadium Place Edgbaston Birmingham St Lawrence Ground Canterbury Headingley Leeds The Brit Oval London Lord's London Trent Bridge Nottingham Old Trafford Manchester Sophia Gardens Cardiff New Zealand Name of Stadium Place Name of Stadium Place Basin Reserve Wellington John Davies Oval Queenstown Eden Park Auckland McLean Park Napier Jade Stadium Christchurch Pakistan Name of Stadium Place Name of Stadium Place Arbab Niaz Stadium Peshawar Gaddafi Stadium Lahore Ayub National Stadium Quetta South Africa Name of Stadium Place Name of Stadium Place Kingsmead Durban St George's Park Port Elizabeth New Wanderers Johannesburg Centurion Super Sport Pretoria Stadium Park Newlands Cape Town Sri Lanka Name of Stadium Place Name of Stadium Place Colombo Cricket Club Colombo R.Premadasa Stadium Colombo Ground Galle International Galle Sinhalese Sports Club Colombo Stadium Ground P.Saravanamuttu Stadium Colombo West Indies Name of Stadium Place Name of Stadium Place Sabina Park Kingston Jamaica Kensington Oval Barbados Bridgetown Antigua Recreation Antigua Mindoo Phillip Park St Lucia Ground St John's Castries Guyana Cricket Stadium Georgetown Guyana Albion Sports Complex Berbice Guyana 40

41 Zimbabwe Name of Stadium Place Name of Stadium Place Bulawayo Athletic Club Bulawayo Kwekwe Sports Club Kwekwe Harare Sports Club Harare Queens Sports Club Bulawayo United Arab Emirates Name of Stadium Place Name of Stadium Place Sheikh Zayed Stadium Abu Dhabi Sharjah Cricket Stadium Sharjah List of Awards & their fields 1. Bharat Ratna: It is the highest civilian award of the India. The award was given for outstanding achievements in the arts, literature, science and public services but the government expanded the criteria to include "any field of human endeavor". The number of annual awards is restricted to a maximum of three in a particular year. 2. Nobel Prize : The Nobel Prize is widely regarded as the most prestigious award available in the fields of literature, medicine, physics, chemistry, peace, and economics. 3. Saraswati Samman (Literature): The award was instituted in 1991 by the K. K. Birla Foundation. It is an annual award given for outstanding prose or poetry literary works in any 22 Indian languages. 4. Jnanpith award (Literature): The award was instituted in 1961 and it is It is presented by the Bharatiya Jnanpith, a trust founded by the Sahu Jain family, the publishers of the newspaper The Times of India. It is an annual award given for outstanding prose or poetry literary works in any 22 Indian languages. 5. Vyas Samman (Literature): Vyas Samman is awarded annually by the K.K. Birla Foundation in recognition of the Hindi literary work published in past 10 years. 6. Bihari Puraskar (Literature): Bihari Puraskar is a literary award instituted by K. K. Birla Foundation. The award is named after the famous Hindi poet Bihari and is awarded to an outstanding work published in Hindi or Rajasthani by a Rajasthani writer. 7. Moorti Devi Award (Literature): The Moortidevi Award is an annual literary award in India presented by the Bharatiya Jnanpith organization for a work which emphasizes Indian philosophy and culture. 8. Booker Prize (Literature): It is an annual award for the best original novel, written in the English language, and published in the UK literary award 9. Dadasaheb Phalke Award (Cinema/Films): The Dadasaheb Phalke Award is India's highest award in cinema. It is presented annually at the National Film Awards ceremony by the Directorate of Film Festivals, an organisation set up by the Ministry of Information and Broadcasting. 10. Arjuna Award: Outstanding performance from the sportspersons in sports and games.the Government has modified the format of Arjuna Award very recently and as per the revised schematic guidelines a sportsperson must have very good consistent performances for the previous 3 years at the international level to be considered as eligible for the Award. 11. Dronacharya Award: Eminent coaches of any particular sport.the award is named after the very famous archery coach, mentioned in the epic of India known as the Mahabharata. This very award is not related with the sportspersons who are still playing in the field; instead this is related to those eminent coaches of any particular sport. 12. Dhyan Chand Award: The award that is given to the veteran sportspersons of India for their lifetime achievement in their respective field of sport is named as the Dhyan Chand Award for Life Time Achievement in Sports and Games. 41

42 13. Rajiv Gandhi Khel Ratna Award: The Rajiv Gandhi Khel Ratna is the highest honour bestowed to a sportsperson for his/her achievements in India. 14. Shanti Swarup Bhatnagar Prize (Science & Technology): The Shanti Swarup Bhatnagar Prize for Science and Technology (SSB) is a science award in India given annually by the Council of Scientific and Industrial Research (CSIR) for notable and outstanding research, applied or fundamental, in biology, chemistry, environmental science, engineering, mathematics, medicine and Physics. 15. Kalinga Prize (Science): The Kalinga Prize for the Popularization of Science is an award given by UNESCO for exceptional skill in presenting scientific ideas to lay people. 16. Pulitzer Prize (Journalism): The Pulitzer Prize is an award for achievements in newspaper and online journalism, literature, and musical composition in the United States. 17. Abel Prize (Mathematics): The Abel Prize is an international prize awarded annually by the Government of Norway to one or more outstanding mathematicians. 18. Grammy Award (Music): A Grammy Award, or Grammy, is an accolade by the National Academy of Recording Arts and Sciences of the United States to recognize outstanding achievement in the music industry. 19. Stirling Prize (Architecture): The Royal Institute of British Architects Stirling Prize is a British prize for excellence in architecture. 20. Aga Khan Award (Architecture): The Aga Khan Award for Architecture (AKAA) is an architectural prize established by Aga Khan IV in It aims to identify and reward architectural concepts that successfully address the needs and aspirations of Islamic societies in the fields of contemporary design, social housing, community development and improvement. 21. Pritzker Prize (Architecture): The Pritzker Architecture Prize is awarded annually "to honor a living architect. List of Banks, Headquarter and Tagline Banks Headquarter Tagline Allahabad Bank Kolkata A Tradition of Trust Andhra Bank Hyderabad Where India Banks Bank of Baroda Vadodara India s International Bank Bank of India Mumbai Relationship beyond Banking Bank of Maharashtra Pune Ek parivaar Ek Bank Bharatiya Mahila Bank Limited New Delhi Empowering Women, Empowering India Canara Bank Bangalore Together We Can Central Bank of India Mumbai Central to You Since 1911 Corporation Bank Mangalore Prosperity for all Dena Bank Mumbai Trusted Family Bank Indian Bank Chennai Your Own Bank Indian Overseas Bank Chennai Good People to Grow With Oriental Bank of Commerce New Delhi Where Every Individual is Committed Punjab National Bank New Delhi The Name You can Bank Upon Punjab & Sind Bank New Delhi Where Service is a way of Life State Bank of India Mumbai The Banker to Every Indian Syndicate Bank Manipal Faithful and Friendly Union Bank of India Mumbai Good People to Bank with United Bank of India Kolkata The Bank that begins with U 42

43 UCO Bank Kolkata Honours your Trust Vijaya Bank Bangalore A Friend you can Bank upon IDBI Bank Ltd Mumbai Bank aisa dost jaisa List of Internation Organization, Headquarter & President/ G.Sec. International Organizations Headquarter President/ General Secretary Asian Infrastructure Investment Beijing, China Jin Liqun Bank (AIIB) New Development Bank (BRICS Shanghai, China K.V. Kamath Development Bank) Asian Development Bank (ADB) Manila, Philippines Takehiko Nakao International Monetary Fund Washington DC, US Christine Lagarde (IMF) World Bank Washington DC, US Jim Yong Kim United Nations Organization (UN) New York, US Ban Ki moon United Nations Children s Fund New York, US Sven Jurgenson (UNICEF) United Nations Populations Fund New York, US Dr. Babatunde Osotimehin (UNFPA) United Nations Conference on Geneva, Switzerland Mukhisa Kituyi Trade & Development (UNCTAD) World Health Organization Geneva, Switzerland Margaret Chan (WHO) World Economic Forum Geneva, Switzerland Klaus Schwab International Labour Organisation Geneva, Switzerland Guy Ryder (ILO) World Trade Organisation Geneva, Switzerland Roberto Azevedo World Meteorological Organisation Geneva, Switzerland Petteri Taalas (Secretary-General) World Intellectual Property Geneva, Switzerland Francis Gurry Organisation International Committee of the Geneva, Switzerland Peter Maurer Red Cross United Nations Education Paris, France Irina Bokova Scientific & Cultural Organisation (UNESCO) Organisation for Economic Paris, France Jose Angel Gurria Cooperation & Development (OECD) United Nations Industrial Vienna, Austria Li Yong Development Organisation (UNIDO) International Atomic Agency Vienna, Austria Yukiya Amano Organisation of Petroleum Exporting Countries (OPEC) Vienna, Austria Diezani Alison-Madueke 43

44 Amnesty International London, UK Salil Shetty International Maritime London, UK Koji Sekimizu Organisation Commonwealth of Nations London, UK Head - Queen Elizabeth II Secretary-General-Kamalesh Sharma South Asian Association for Regional Cooperation (SAARC) Kathmandu, Nepal Arjun Bahadur Thapa (Secretary- General) Association of South East Nations Jakarta, Indonesia Le Loung Minh (ASEAN) Asia Pacific Economic Singapore Dr. Alan Bollard Cooperation (APEC) North Atlantic Treaty Organisation (NATO) Brussels, Belgium Jens Stoltenberg (Secretary-General) International Cricket Council (ICC) Dubai, UAE Zaheer Abbas Food & Agricultural Organisation Rome, Italy José Graziano da Silva (FAO) International Court of Justice The Hague, The Netherland Ronny Abraham International Olympic Committee Lausanne, Switzerland Thomas Bach The Fédération Internationale de Zurich, Switzerland Gianni infantino Football Association (FIFA) The Organization for the The Hague, The Netherlands Ahmet Üzümcü Prohibition of Chemical Weapons (OPCW) World Wide Fund for Nature (WWF) Avenue du Mont-Blanc, Gland, Vaud, Switzerland Yolanda Kakabadse List of State, Capital, Governor & Chief Minister State Capital Governor Chief Minister Andhra Pradesh Hyderabad (Proposed Capital Amaravati) Shri E. S. Lakshmi Narasimhan Shri. Nara Chandrababu Naidu Arunachal Pradesh Itanagar Shri V. Shanmuganthan Shri Pema Khandu Assam Dispur Shri Banwarilal Purohit Shri Sarbananda Sonowal Bihar Patna Shri Ram Nath Kovind Shri Nitish Kumar Chhattisgarh Raipur Shri Balram DasTandon Dr. Raman Singh Delhi (NCT) Shri Arvind Kejriwal Goa Panaji Smt. Mridula Sinha Shri Laxmikant Parsekar Gujarat Gandhinagar Shri Om Prakash Kohli Shri Vijay Rupani Haryana Chandigarh Prof. Kaptan Singh Shri Manohar Lal Solanki Himachal Pradesh Shimla Shri Acharya Dev Vrat Shri Virbhadra Singh Jammu and Kashmir Srinagar (summer), Shri N. N. Vohra Mehbooba Mufti Sayeed Jammu (winter) Jharkhand Ranchi Shrimati Droupadi Murmu Shri Raghubar Das 44

45 Karnataka Bengaluru Shri Vajubhai Vala Shri Siddaramaiah Kerala Thiruvananthapuram Shri Justice (Retd.) Shri Pinarayi Vijayan Palaniswamy Sathasivam Madhya Pradesh Bhopal Shri Om Prakash Kohli Shri Shivraj Singh Chouhan Maharashtra Mumbai Shri Chennamaneni Shri Devendra Fadnavis Vidyasagar Rao Manipur Imphal Dr. Najma A. Heptulla Shri Okram Ibobi Singh Meghalaya Shillong Shri V. Shanmuganthan Dr. Mukul Sangma Mizoram Aizawl Lt. General (Retd.) Shri Lal Thanhawla Nirbhay Sharma Nagaland Kohima Shri Padmanabha Shri. T R Zeliang Balakrishna Acharya Odisha Bhubaneswar Dr. S. C. Jamir Shri Naveen Patnaik Puducherry (UT) Shri. V. Narayanasamy Punjab Chandigarh Shri V. P. Singh Badnore Shri Parkash Singh Badal Rajasthan Jaipur Shri Kalyan Singh Smt. Vasundhara Raje Sikkim Gangtok Shri Shriniwas Dadasaheb Patil Shri Pawan Kumar Chamling Tamil Nadu Chennai Shri Ch. Vidyasagar Rao O Panneerselvam Telangana Hyderabad Shri E.S Lakshmi Narasimhan (Add. Shri K Chandrasekhar Rao Charge) Tripura Agartala Shri Tathagata Roy Shri Manik Sarkar Uttar Pradesh Lucknow Shri Ram Naik Shri Akhilesh Yadav Uttarakhand Dehradun Dr. Krishan Kant Paul Shri Harish Rawat West Bengal Kolkata Shri Keshari Nath Tripathi Km. Mamata Banerjee List of Union Territory, Capital and Chief Minister/Governor Union Territory Capital Chief Minister/ Governor Delhi Arvind Kejriwal Pondicheerry (Puducherry) Dr. Kiran Bedi, IPS, (Retd.) (Lieutenant Governor) Andaman and Nicobar Islands Port Blair Prof. Jagdish Mukhi (Lieutenant Governor) Chandigarh Shri.V.P. Singh Badnore (Administrator) Daman & Diu Daman Shri Praful Patel (Administrator) Dadar & Nagar Haveli Silvasa Shri Madhup Vyas, IAS (Administrator) Lakshadweep Kavaratti Shri Farooq Khan, IPS (Retd.) (Administrator) List of All Cabinet Ministers Cabinet Ministers Ministries 45

46 Shri Raj Nath Singh Sushma Swaraj Shri Arun Jaitley Venkaiah Naidu Shri Nitin Jairam Gadkari Shri Manohar Parrikar Shri Suresh Prabhu Shri D V Sadananda Gowda Sushri Uma Bharati Shri Ramvilas Paswan Shri Kalraj Mishra Maneka Sanjay Gandhi Shri Ananthkumar Shri Ravi Shankar Prasad Shri Jagat Prakash Nadda Shri Ashok Gajapathi Raju Pusapati Shri Anant Geete Harsimrat Kaur Badal Shri Narendra Singh Tomar Shri Chaudhary Birender Singh Shri Jual Oram Shri Radha Mohan Singh Shri Thaawar Chand Gehlot Smriti Zubin Irani Harsh Vardhan Shri Prakash Javadekar Minister of Home Affairs Minister of External Affairs Minister of Finance and Minister of Corporate Affairs Minister of Urban Development, Minister of Housing and Urban Poverty Alleviation and Minister of Information and Broadcasting Minister of Road Transport and Highways; and Minister of Shipping Minister of Defence Minister of Railways Minister of Statistics and Programme Implementation Minister of Water Resources, River Development and Ganga Rejuvenation Minister of Consumer Affairs, Food and Public Distribution Minister of Micro, Small and Medium Enterprises Minister of Women and Child Development Minister of Chemicals and Fertilizers; and Minister of Parliamentary Affairs Minister of Law and Justice and Minister of Electronics and Information Technology Minister of Health and Family Welfare Minister of Civil Aviation Minister of Heavy Industries and Public Enterprises Minister of Food Processing Industries Minister of Rural Development; Minister of Panchayati Raj; and Minister of Drinking Water and Sanitation Minister of Steel Minister of Tribal Affairs Minister of Agriculture and Farmers Welfare Minister of Social Justice and Empowerment Minister of Textiles Minister of Science and Technology and Minister of Earth Sciences Minister of Human Resource Development Sports List of Sports and Trophies/Cups Trophies/ Cups 46

47 Cricket Hockey Football Badminton Table Tennis Lawn Tennis Golf Horse Racing Rowing Ashes Cup, Asia Cup, C.K. Naidu Trophy, Deodhar Trophy, Duleep Trophy, Gavaskar Border Trophy, G.D. Birla Trophy, Gillette Cup, ICC World Cup, Irani Trophy, Jawharlal Nehru Cup, Rani Jhansi Trophy, Ranji Trophy, Rohinton Barcia Trophy, Rothmans Cup, Sahara Cup, Sharjah Cup, Singer Cup, Titan Cup, Vijay Hazare Trophy, Vijay Merchant Trophy, Wisden Trophy, Wills Trophy. Sultan Azlan Shah Cup, Aga khan Cup, Maharaja Ranjit Singh Gold Cup, Dhyanchand Trophy, Nehru Trophy, Sindhia Gold cup, Murugappa Gold Cup, Wellington Cup etc, Stanley Cup Rovers Cup, Bandodkar Trophy, Merdeka Cup, Confederation cup, DCM Trophy, Durand Cup, Rovers Cup, B. C. Raj Trophy (National Championship), FIFA world Cup, Jules Rimet Trophy, Kalinga Cup, Santosh Trophy, IFA Shield, Scissor Cup, Subroto Cup, Sir Ashutosh Mukherjee Trophy, Todd Memorial Trophy, Vittal Trophy, UEFA Champions League Amrit Diwan Cup, Asia Cup, Chaddha Cup, European Cup, Harilela Cup, Ibrahim Rahimatillah Challenger Cup, Konica Cup, Sophia Cup, Kitiakara Cup, Malaysian Open, Thomas Cup (men) Uber Cup (women) Travancore Cup (women), Swathling Cup (men), Bama Belleck Cup Davis Cup, Australian Open, French Open, Wimbledon, US Open, Heineken Cup Augusta Masters, British Open, US Maters Derby Wellington trophy List of Sports and Terminology Sports Badminton Baseball Billiards Boxing Bridge Chess Cricket Football Golf Hockey Horse Racing Lawn Tennis Rifle Shooting Swimming 47 Terminology Deuce, Smash, Drop, Let, Game, Love, Double Fault. Pitcher, Strike, Diamond, Bunting, Home, Put Out. Jigger, Break, Scratch, Cannons, Pot, Cue, In Baulk, In Off. Jab, Hook, Punch, Knock-out, Upper cut, Kidney Punch. Revoke, Ruff, Dummy, Little Slam, Grand Slam, Trump, Diamonds, Tricks. Gambit, Checkmate, Stalemate, Check. LBW, Maiden over, Rubber, Stumped, Ashes, Hat-trick, Leg Bye, Follow on, Googly, Gulley, Silly Point, Duck, Run, Drive, No ball, Cover point, Leg Spinner, Wicket Keeper, Pitch, Crease, Bowling, Leg-Break, Hit Wicket, Bouncer, Stone-Walling. Dribble, Off-Side, Penalty, Throw-in, Hat-Tick, Foul, Touch, Down, Drop Kick, Stopper Hole, Bogey, Put, Stymie, Caddie, Tee, Links, Putting the green. Bully, Hat-Trick, Short corner, Stroke, Striking Circle, Penalty corner, Under cutting, Scoop, Centre forward, Carry, Dribble, Goal, Carried. Punter, Jockey, Place, Win, Protest. Volley, Smash, Service, Back-hand-drive. Bull's eyes. Stroke.

48 List of Country, Capital, Currency, President and Prime Minister Asia Country Capital Currency President Prime Minister Afghanistan Kabul Afghan afghani Ashraf Ghani Ahmadzai Bahrain Manama Bahraini dinar Khalifa bin Salman Al Khalifa Bangladesh Dhaka Bangladeshi taka Abdul Hamid Sheikh Hasina Wazed Thimphu Bhutanese Tshering Tobgay Bhutan ngultrum, Indian rupee Cambodia Phnom Penh Cambodian riel Hun Sen China Beijing Renminbi Tsai Ing-wen Li Keqiang Cyprus [Europe] Nicosia Euro Nicos Anastasiades Georgia [Europe] Tbilisi Georgian lari Giorgi Margvelashvili Indonesia Jakarta Indonesian rupiah Joko Widodo Iran Tehran Iranian rial Hassan Rouhani Iraq Baghdad Iraqi dinar Fuad Masum Haider al-abadi Israel Jerusalem Israeli new shekel Reuven Rivlin Benjamin Netanyahu Japan Tokyo Japanese yen Shinzo Abe Astana Kazakhstani tenge Nursultan Bakytzhan Kazakhstan Nazarbayev Abdirovich Sagintayev Kyrgyzstan Bishkek Kyrgyzstani som Almazbek Sooronbay Atambayev Jeenbekov Laos Vientiane Lao kip Bounnhang Thongloun Vorachith Sisoulith Lebanon Beirut Lebanese pound Michel Aoun Saad Hariri Malaysia Kuala Lumpur Malaysian ringgit Najib Razak Maldives Male Maldivian rufiyaa Abdulla Yameen Mongolia Ulaanbaatar Mongolian togrog Tsakhiagiin Chimed Elbegdorj Saikhanbileg Myanmar (Burma) Naypyidaw Burmese kyat Htin Kyaw Nepal Kathmandu Nepalese rupee Bidhya Devi Pushpa Kamal Bhandari Dahal North Korea Pyongyang North Korean won Pak Pong-ju Oman Muscat Omani rial Qaboos bin Said Al Said Pakistan Islamabad Pakistani rupee Mamnoon Hussain Nawaz Sharif Philippines Manila Philippine peso Rodrigo Duterte 48

49 Doha Qatari riyal Abdullah bin Qatar Nasser bin Khalifa Al Thani Saudi Arabia Riyadh Saudi riyal Salman bin Abdulaziz Al Saud South Korea Seoul South Korean won Park Geun-hye Hwang Kyo-ahn Sri Lanka Sri Jayawardenepura Kotte, Colombo Sri Lankan rupee 49 Maithripala Sirisena Ranil Wickremesinghe Syria Damascus Syrian pound Bashar al-assad Imad Khamis Taiwan Taipei New Taiwan dollar Tajikistan Dushanbe Tajikistani somoni Emomali Rahmon Kokhir Rasulzoda Thailand Bangkok Thai baht Prayut Chan-o-cha Turkey [Europe] Ankara Turkish lira Turkmenistan Ashgabat Turkmenistan Gurbanguly manat Berdimuhamedow United Arab Emirates Uzbekistan South American Countries Abu Dhabi United Arab Khalifa bin Zayed Al Mohammed Emirates dirham Nahyan Rashid Maktoum Tashkent Uzbekistani som Islam Karimov Shavkat Mirziyoyev Country Capital Currency President Prime Minister Argentina Buenos Aires Peso Mauricio Macri Bolivia Sucre Bolivian boliviano Juan Evo Morales Ayma Brazil Brasilia Brazilian real Michel Temer - Chile Santiago Chilean peso Michelle Bachelet Colombia Ecuador Paraguay Peru Bogota Colombian peso Juan Manuel Santos Quito United States Dollar Asuncion Paraguayan guarani Rafael Correa - Horacio Cartes - Lima Sol Pedro Pablo Kuczynski Uruguay Montevideo Uruguayan peso Tabare Vazquez Venezuela Caracas Venezuelan bolivar Nicolas Maduro North American Countries - - Fernando Zavala Country Capital Currency President Prime Minister Bahamas Nassau Bahamian dollar - Perry Christie bin Al

50 Barbados Bridgetown Barbadian dollar Freundel Jerome Stuart Bermuda Hamilton Bermudian dollar Carol Bassett Canada Ottawa Canadian dollar Justin Pierre James Trudeau Cuba Havana Cuban peso, Cuban Raul Castro - convertible peso Jamaica Kingston Jamaican dollar - Andrew Holness Mexico Mexico City Mexican peso Enrique Pena Nieto - Nicaragua Managua Nicaraguan Jose Daniel Ortega - cordoba Saavedra Panama Trinidad and Tobago United States Panama City United States Dollar, Panamanian balboa Port of Spain Trinidad and Tobago dollar Washington, D.C. United States Dollar Juan Carlos Varela Rodriguez Anthony Thomas Aquinas Carmona Barack Obama(The president-elect is Donald Trump, whose term of office will commence January 20, 2017.) - Keith Christopher Rowley - European Countries Country Capital Currency President Prime Minister Albania Tirana Albanian lek Bujar Faik Nishani Edi Rama Austria Vienna Euro Heinz Fischer - GColIH Minsk Belarusian ruble Aleksandr Andrei Belarus Grigoryevich Lukashenko Vladimirovich Kobyakov Belgium City of Brussels Euro Charles Y.J.Gh. Michel Bulgaria Sofia Bulgarian lev Rosen Asenov Boyko Metodiev Plevneliev Borisov Croatia Zagreb Croatian kuna Kolinda Grabar- Andrej Plenkovic Kitarovic Czech Republic Prague Czech koruna Milos Zeman Bohuslav Sobotka Denmark Copenhagen Danish krone Lars Løkke Rasmussen Finland Helsinki Euro Sauli Niinisto Juha Petri Sipila Paris Euro, CFP franc François Gérard Bernard Cazeneuve France Georges Nicolas Hollande 50

51 Berlin Euro Joachim Gauck Angela Dorothea Germany Merkel (Chancellor) Greece Athens Euro Prokopios Alexis Tsipras Pavlopoulos Hungary Budapest Hungarian forint Janos Ader Viktor Mihaly Orban Iceland Reykjavik Icelandic krona Guoni Th. Sigmundur Davio Johannesson Gunnlaugsson Ireland Dublin Euro Michael Daniel Enda Kenny Higgins Italy Rome Euro Sergio Mattarella Paolo Gentiloni Latvia Riga Euro Raimonds Vejonis Maris Kucinskis Lithuania Vilnius Euro Dalia Grybauskaite Algirdas Butkevicius Luxembourg Luxembourg City Euro Xavier Bettel Malta Valletta Euro Marie Louise Joseph Muscat Coleiro Preca Monaco Monaco Euro Netherlands Amsterdam Euro Mark Rutte Norway Oslo Norwegian krone Erna Solberg Poland Warsaw Polish zloty Andrzej Sebastian Beata Szydlo Duda Portugal Lisbon Euro Marcelo Rebelo de Antonio Luis Sousa Santos da Costa Romania Bucharest Romanian leu Klaus Werner Dacian Julien Ciolos Iohannis Russia African Countries Moscow Russian ruble Vladimir Vladimirovich Putin 51 Dmitry Anatolyevich Medvedev Algeria Algiers Dinar Abdelaziz Bouteflika Abdelmalek Sellal Angola Luanda Angolan kwanza Jose Eduardo dos Santos Cameroon Yaounde Central African Paul Biya Philemon Yang CFA franc Egypt Cairo Egyptian pound Abdel Fattah al-sisi Ethiopia Addis Ababa Ethiopian birr Mulatu Teshome Hailemariam Desalegn Gambia Banjul Gambian dalasi Yahya Jammeh Ghana Accra Ghanaian cedi John Dramani Mahama Kenya Nairobi Kenyan shilling Uhuru Kenyatta Liberia Monrovia Liberian dollar Ellen Johnson Sirleaf Libya Tripoli Libyan dinar Fayez al-sarraj

52 Madagascar Antananarivo Malagasy ariary Hery Olivier Mahafaly Rajaonarimampianina Solonandrasana Mali Bamako West African CFA Ibrahim Boubacar Modibo Keita franc Keïta Mauritius Port Louis Mauritian rupee Ameenah Gurib Anerood Jugnauth Morocco Rabat Moroccan dirham Abdelilah Benkirane Mozambique Maputo Metical Filipe Nyusi Carlos Agostinho do Rosário Windhoek Namibian dollar, Hage Geingob Saara Namibia South African Kuugongelwa rand Abuja Abuja Nigerian naira Muhammadu Buhari Rwanda Kigali Rwandan franc Paul Kagame Anastase Murekezi Seychelles Victoria Seychellois rupee Danny Faure Sierra Leone Freetown Sierra Leonean Ernest Bai Koroma leone Somalia Mogadishu Somali shilling Hassan Sheikh Omar Abdirashid Mohamud Ali Sharmarke Pretoria, Cape South African Jacob Zuma South Africa Town, Bloemfontein rand South Sudan Juba South Sudanese Salva Kiir Mayardit pound Sudan Khartoum Sudanese pound Omar al-bashir Tanzania Dodoma Tanzanian shilling John Magufuli Kassim Majaliwa January List of Important Dates National & International 9th 10th 12th 15th 18th 23rd 24th 25th 26th 27th 28th 30th 30th Pravasi Bhartiya Divas ( NRI Day) World Hindi Day/ World Laughter Day National Youth Day (Birth Day of Swami Vivekanand) Army Day National Immunization Day (Polio Day) National Day of Patriotism National Girl Child Day National Voters Day India s Republic Day/ International Customs day International Day of Commemoration in Memory of the Victims of the Holocaust Birth Anniversary Lala Lajpat Rai Death Anniversary Mahatma Gandhi (Martyrs / Sarvodaya Day) World Leprosy Eradication Day 52

53 February 1st Feb 2nd Feb 4th Feb 6th Feb 10th Feb 13th Feb 20th Feb 21st Feb 24th Feb 28th Feb March 1st 3rd 4th 8th 10th 12th 13th 14th 15th 18th 20th 21st 21st 21st 22nd 23rd 24th 25th 27th 28th Indian Coast Guard Day World Wetland Day World Cancer Day International Day of Zero Tolerance to Female Genital Mutilation National Deworming Day World Radio Day World Day of Social Justice International Mother Language Day Central Excise Day National Science Day Zero Discrimination Day World Wildlife Day, National Defence Day National Security Day (Rashtriya Suraksha Diwas),World Day of Fight Against Sexual Exploitation. International Women s Day Central Industrial Security Force (CISF) Raising Day World Kidney Day World Rotaract Day Pi Day World Consumer Rights Day Ordnance Factories Day World Sparrow Day, International Day of Happiness International Day for the Elimination of Racial Discrimination World Poetry Day, International Day of Nowruz International Day of Forests, World Down Syndrome Day World Water Day World Meteorological Day World Tuberculosis Day International Day of Remembrance of the Victims of Slavery and the Transatlantic Slave Trade World Theatre Day Earth Hou April 4th April International Day for Mine Awareness and Assistance in Mine Action 6th April International Day of Sport for Development and Peace 7th April World Health Day 11th April National Safe Motherhood Day th April International Day of Human Space Flight 17th April World Hemophilia Day 18th April World Heritage Day 21st April National Civil Services Day 53

54 22nd April 23rd April 24th April 25th April 26th April 28th April 29th April May 1st May 3rd May May 04 1st (Tue) 1st (Sun) May 05 May 06 May 08 May 09 May 10 May 11 May 12 May 13 May 15 May 17 May 18 May 20 May 21 May 22 May 24 May 25 May 29 May 31 June June 1 June 4 June 5 June 8 June 12 June 14 June 15 3rd (Sun) June 16 June 18 June 20 World Earth Day World Book and Copyright Day, English Language Day National Panchayati Day World Malaria Day World Intellectual Property Day (World IP Day) World Day for Safety and Health at Work World Dance Day, Day of Remembrance for all Victims of Chemical Warfare International Labour Day World Press Freedom Day, International Sun Day,International Energy Day Coal Miners Day(Intl.), International Firefighters Day 1st (Tue)World Asthma Day takes place each year on the first Tuesday in May. 1st (Sun) World Laughter Day World Athletics Day, World Midwives Day World No Diet Day World Red Cross Day, Remembrance and Reconciliation for Lost Lives of Second World War World Thalassaemia Day International Migratory Bird Day National technology day International Nurses Day International Criminal Court Day International Day of the Families World Tele-communication and Information Society Day,Wold AIDS Vaccination day, World Hypertension Day, International day against Homophobia and Transphobia World Museum Day World Meteorology Day National Anti Terrorism Day, National Day for Cultural Development International Day for Biological Diversity Commonwealth Day World Missing Childrens day International Day of Peacekeepers World Anti Tobacco Day World Milk Day World Day of Innocent Children Victims of Aggression World Environment Day World Brain Tumor Day, World Oceans Day World Day Against Child Labor World Blood Donor Day World elder abuse awareness day World Father s Day International Integration Day International Picnic Day World Refugee Day 54

55 June 21 June 23 June 26 July July 1 July 2 1st July 06 July 07 July 11 July 12 July 18 July 26 July 28 July 29 August First (Sun) 6-Aug 8-Aug 9-Aug 12-Aug 13-Aug 14-Aug 15-Aug 19-Aug 20-Aug 21-Aug 23-Aug 29-Aug 30-Aug September 2-Sep 5-Sep 7-Sep 8-Sep 10-Sep 14-Sep 15-Sep 16-Sep World Music Day International Olympic Day, United Nations Public Service Day, International Widows Day International Day against Drug abuse and Illicit Trafficking, International Day in support of Victims of torture International Joke Day, World Doctor s Day World Sports Journalists Day, World UFO day International Day of Cooperatives World Zoonoses Day World Chocolate Day World Population Day International Malala Day International Nelson Mandela Day Kargil Vijay Diwas or Kargil Memorial Day or Kargil Victory Day World Nature Conservation Day, World Hepatitis Day International Tiger Day International Friendship Day Hiroshima Day, Anti Nuclear Day World Senior Citizen Day Nagasaki Day, International Day of the World s Indigenous People, Quit India Day International Youth Day International Left Handers Day Pakistan s Independence Day India s Independence Day, International Mourning Day World Humanitarian Day, World Photography Day National Sadbhavna Divas or Birthday of Rajiv gandhi, World Mosquito Day, Indain Akshay Urja Diwas National Senior Citizen Day, International Day for the Remembrance of the Slave Trade and Its Abolition National Sports Day or Dhyanchand's Birthday International day of the victims of enforced Disappearances International Friendship Day World Coconut Day National Teacher s Day or Dr. Radhakrishanan's Birth Day, Sanskrit Day World Forgiveness Day World Literacy Day World Anti-Suicide Day Hindi Diwas or Hindi Day, World First Aid Day International Day of Democracy, International Engineer s Day World Ozone Day 55

56 20-Sep 21-Sep 22-Sep 23-Sep 26-Sep 27-Sep 28-Sep 29-Sep RPF Foundation day World Peace Day or International day for Peace and Non-violence (UN), World Alzheimer s Day World Cancer Free Day or Rose Day International Day of the Deaf World Contraception Day, World Tourism Day World Rabies Day World Heart Day October 1st(Mon) World Habitat Day 1-Oct World Vegetarian Day, International Day of the older/elderly 2-Oct Gandhi Jayanti, International Day of Non-Violence 3-Oct World Nature Day 4-Oct World Animal Day 5-Oct World Teacher s Day 6-Oct World Wildlife Day 8-Oct Indian Air Force Day 9-Oct World Postal or Post-office Day 10-Oct World Mental Health Day, National Post-office Day 11-Oct International Day of the Girl Child 2 nd (Thu) World Sight Day 12-Oct World Arthritis Day 13-Oct International Day for Natural Disaster Reduction 14-Oct World Standards Day 15-Oct Global Hand Washing Day, International Day of Rural Women, World White Cane Safety Day 16-Oct World Food Day 17-Oct International Poverty Day for it's Eradication 20-Oct World Osteoporosis Day, World Statistics Day, National Solidarity day 24-Oct UN Day, World Development Information Day, World Polio Day 27-Oct World day for Audio Visual Heritage 28-Oct International Animation Day 31-Oct World Savings Day or World Thrift day, Halloween Day November 1-Nov 6-Nov 7-Nov 8-Nov 9-Nov 10-Nov 11-Nov 12-Nov 13-Nov World Vegan Day International Day for Preventing the Exploitation of the Environment in War and Armed Conflict Infant Protection Day, World Cancer Awareness Day World Radiology Day World Legal Service Day World Science day for Peace and Development, Public Transport Day National Education Day World Pneumonia Day, Public Service Broadcasting Day World Kindness Day 56

57 14-Nov Children s Day(India), World Diabetes Day 16-Nov International Day for Endurance or Tolerance 17-Nov International Students Day, Gurunanak Dev's Birth Anniversary, National eplilepsy day 19-Nov World Toilet Day, International Men s Day, National Integration Day 20-Nov Universal Children s Day 3 rd (SUN) World Day of Remembrance for Road Traffic Victims 3 rd (Thu) World Philosophy Day, World Vegan Day 21-Nov World Fisheries Day, World Hello Day, World Television Day 25-Nov International Day for the Elimination of Violence Against Women, World Non-Veg day 26-Nov National Law Day or National constitution Day 30-Nov National Flag Day December 1-Dec 2-Dec 3-Dec 4-Dec 5-Dec 7-Dec 9-Dec 10-Dec 11-Dec 14-Dec 16-Dec 18-Dec 19-Dec 20-Dec 23-Dec 25-Dec World AIDS Day World Computer Literacy Day, International Day for the Abolition of Slavery International Day of People with Disability or World Disability Day Indian Navy Day International Volunteer Day for Economic and Social Development International Civil Aviation Day, Indian Armed Force Flag Day The International Anti-Corruption Day World Human Rights Day, International Children's Day of Broadcasting International Mountain Day, UNICEF Day National Energy Conservation Day(India) Vijay Diwas International Migrants Day, National Minority Rights Day Goa s Libration Day International Human Solidarity Day National Farmer s Day or Kisan Diwas Good Governance day 57

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