English Vocabulary from
August 31, 2012
Punjab and Sindh Bank - Clerks - Final List
Current Affairs - A Quick Reference Guide for IBPS RRB Exam
IBPS RRB Exam Previous Papers - Pdf Download - 3
August 30, 2012
IBPS RRB (Regional Rural Banks) Previous Papers - Pdf Download
IBPS RRB (Regional Rural Banks) Previous Papers - Pdf Download - 2
Regional Rural Bank Previous Paper - Pdf Download - 1
August 29, 2012
Interview Experience - UBI Clerks - Anand Prasad
Dear
friend’s hello to all of you. I am ANAND PRASAD wants to share my union bank of
india swo interview experience with you all so that it may be fruitful in your
future Endeavour’s. my previous interviews were Bank of Baroda, Corporation Bank,
kgsg bank and I left Indian bank interview on 29/08/2012 due to I got job in
Union Bank of India.
Banking & Insurance Interview Preparation Tips
IBPS RRB VII Officers Interview Special : Most Expected Interview Questions about RRBs
Interview Preparation Tips
Interview Preparation Tips
What to prepare for Banking Interviews ? - Bank Interview Tips
During the Interview - Banking Interview Tips
How to enter into the Room and how to Greet and Sit ? - Banking Interview Tips
Clothing and Physical Appearance - Bank Interview Tips
What to Wear ?
There is a saying "there are two days when you absolutely have to look your very best : your wedding day and your first interview". Keep in mind that you are going to initially be judged solely by your appearance. Since you are assumed to be looking your best, if your best isn't up to par with the organization's standards, you'll have a hard time convincing the hiring people you are right for the job.
Before Interview Practice - Banking Interview Tips
Your posture and ability to maintain eye contact are part of your appearance. So, Before your interview, practice your posture while sitting in a chair, while leaning on a desk or table, and while standing. Ask a friend to help you practice maintaining eye contact and shaking hands. Why is your appearance important? Because great credentials are not enough. Employers are looking for the whole package.
If you are not 100% sure of where your interview is located, do a dry run the day before. You NEVER want to be late for an interview. It leaves a very bad first impression! So, start lil earlier on the day of Interview and try to reach the venue 1 hour before the Specified Time.
Read Next Step Here
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August 28, 2012
Union Bank of India - Clerks - Final List
Complete List of Ministers of India - for Competitive Exams
August 27, 2012
Important points you should know about Regional Rural Banks (RRBs) for IBPS RRB PO and Clerk Exams
Regional Rural Banks
(RRBs) - The History
Rural banking in India
started since the establishment of banking sector in India. Regional Rural Banks were set up after
nationalizations of banks in 1969 when emphasis shifted to providing more
credit to weaker sections. Regional Rural Banks
were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1976 with an objective to
ensure sufficient institutional credit for agriculture and other rural sectors.
Rural Banks in those days mainly focused
upon the Agro Sector. Regional rural banks in
India penetrated every corner of the country and extended a helping hand in the
growth process of the country.
Here is the Complete list of 82 Regional Rural Banks(RRB) in
India by Sate wise which are participating in IBPS
RRB Exam :
Andhra Pradesh
- Andhra Pradesh Grameena Vikas Bank (APGVB)
- Andhra Pragathi Grameena Bank
- Deccan Grameena Bank
- Chaitanya Godavari Grameena Bank
- Saptagiri Grameena Bank
- Arunachal Pradesh Rural Bank
- Assam Gramin Vikash Bank
- Langpi Dehangi Rural Bank
- Madhya Bihar Gramin Bank
- Bihar Kshetriya Gramin Bank
- Uttar Bihar Kshetriya Gramin Bank
- Kosi Kshetriya Gramin Bank
- Samastipur Kshetriya Gramin Bank
- Chhattisgarh Gramin Bank.
- Surguja Kshetriya Gramin Bank
- Durg-Rajnandgaon Gramin Bank
- Dena Gujarat Gramin Bank
- Baroda Gujarat Gramin Bank
- Saurashtra Gramin Bank
- Harayana Gramin Bank
- Gurgaon Gramin Bank
- Himachal Gramin Bank
- Parvatiya Gramin Bank
- Jammu Gramin Bank (Merger of Jammu Rural and Kamraz Rural Banks)
- Ellaquai Dehati Bank
- Jharkhand Gramin Bank
- Vananchal Gramin Bank
- Karnataka Vikas Grameena Bank
- Pragathi Gramin Bank
- Cauvery Kalpatharu Grameena Bank
- Krishna Grameena Bank
- Chimagalur-Kodagu Grameena Bank
- Visveshvaraya Gramin Bank
- South Malabar Gramin Bank
- North Malabar Gramin Bank
- Narmada Malwa Gramin Bank
- Satpura Kshetriya Gramin Bank
- Madhya Bharath Gramin Bank
- Chambal-Gwalior Kshetriya Gramin Bank
- Rewa-Sidhi Gramin Bank
- Sharda Gramin Bank
- Ratlam-Mandsaur Kshetriya Gramin Bank
- Vidisha Bhopal Kshetriya Gramin Bank
- ahakaushal Kshetriya Gramin Bank
- Jhabua Dhar Kshetriya Gramin Bank
- Marathwada Gramin Bank
- Aurangabad-Jalna Gramin Bank
- Wainganga Kshetriya Gramin Bank
- Vidharbha Kshetriya Gramin Bank
- Solapur Gramin Bank
- Thane Gramin Bank
- Ratnagiri-Sindhudurg Gramin Bank
- Manipur Rural Bank
- Ka Bank Nogkyndong Ri Khasi-Jaintia
- Mizoram Rural Bank
- Nagaland Rural Bank
- Kalinga Gramya Bank
- Utkal Gramya Bank
- Baitarani Gramya Bank
- Neelachal Gramya Bank
- Rushikulya Gramya Bank
- Punjab Gramin Bank
- Faridkot-Bhatinda Kshetriya Gramin Bank
- Malwa Gramin Bank
- Baroda Rajasthan Gramin Bank
- Marwar Ganganagar Bikaner Gramin Bank
- Rajasthan Gramin Bank
- Jaipur Thar Gramin Bank
- Hodoti Kshetriya Gramin Bank
- Mewar Anchalik Gramin Bank
- Pandyan Grama Bank
- Pallavan Grama Bank
- Tripura Gramin Bank
- Purvanchal Gramin Bank
- Kashi Gomti Samyut Gramin Bank
- Uttar Pradesh Gramin Bank
- Shreyas Gramin Bank
- Lucknow Kshetriya Gramin Bank
- Ballia Kshetriya Gramin Bank
- Aryavart Gramin Bank
- Kisan Gramin Bank
- Kshetriya Kisan Gramin Bank
- Etawah Kshetriya Gramin Bank
- Rani Laxmi Bai Kshetriya Gramin Bank
- Baroda Western Uttar Pradesh Gramin Bank
- Devipatan Kshetriya Gramin Bank
- Prathama Bank
- Baroda Eastern Uttar Pradesh Gramin Bank
- Uttaranchal Gramin Bank
- Nainital Almora Kshetriya Gramin Bank
- Bangiya Gramin Vikash Bank
- Paschim Banga Gramin Bank
- Uttar Banga Kshetriya Gramin Bank
The importance of the
rural banking in the economic development of a country cannot be overlooked. As
Gandhiji said “Real India lies in Villages,” and village economy is the
backbone of Indian economy. Without the upliftment
of the rural economy as well as the rural people of our country, the
objectives of economic planning cannot be achieved. In fact, the real
growth of Indian economy lied in the freeing of rural masses from acute
poverty, unemployment, and socio-economic backwardness.
Regional Rural Banks
(RRBs) are oriented towards meeting the needs of the weaker sections of the
rural population consisting of :
- Small and marginal farmers,
- Agricultural labourers,
- Artisans,
- Small entrepreneurs,
- Mobalise deposits from rural households
RRBs are expected to
make credit available to rural households besides inspiring carefulness. Put it simple to ensure
sufficient institutional credit for agriculture and other rural sectors.
The Credit Delivery System :
- Grant of credit at cheap or concessional rates
- Lending to individuals belonging to weaker sections without checking the viability of the activity proposed to be undertaken.
The Operational Area of RRB "
The area of operation
of RRBs is limited to the area as notified by GoI covering one or more
districts in the State.
Ownership of RRBs :
RRBs are jointly owned
by Government of India (GOI), the concerned State Government and Sponsor Banks
(27 scheduled commercial banks and one State Cooperative Bank); the issued
capital of a RRB is shared by the owners in the proportion of 60%, 20% and 20%
respectively.
Reform Process - RRBs
In order to provide
access to low-cost banking facilities to the poor, the Narasimham Working Group
(1975) proposed the establishment of a new set of banks, as institutions which "combine
the local feel and the familiarity with rural problems which the cooperatives
possess and the degree of business organization, ability to mobilize deposits,
access to central money markets and modernized outlook which the commercial
banks have".
RRBs started their
development process on 2nd October 1975 with the formation of a single bank
(Prathama Grameen Bank). As on 31 March 2006,
there were 133 RRBs (post-merger) covering 525 districts with a network of
14,494 branches.
RBI Assistance
With a view to facilitate RRBs
operations, the RBI gave RRBs direct access to refinance assistance at a
concessional rate of three per cent below the bank rate.
Allowed to maintain a lower level of
SLR than commercial banks.
Allowed to pay half per cent more
interest on all deposits except those of three years and above.
Sponsor banks IDBI, NABARD, SIDBI, and
other FIs are statutorily required under the RRBs Act to provide managerial and financial
assistance to RRBs.
Evaluation of RRBs
The Committee
constituted by the RBI in June 1977 to valuate the performance of RRBs
concluded that with some modifications in their organisation and structure. The
Committee to Review Arrangements for Institutional Credit for Agriculture and
Rural Development which inter alia examined the role of RRBs in the rural
development work, suggested the following :
- Preference for opening bank branches than commercial banks
- The eligible business of commercial banks’ rural branches may be transferred to RRBs.
- The losses in initial years of RRBs may be met by shareholders and equity capital should also be raised.
- The various facilities provided by sponsor banks should continue for 10 yrs in each case
- Concessionary refinance by RBI should be continued
- The control, regulation, and promotional responsibilities should be transferred from the GOI to RBI or NABARD.
Regulatory Control
RRBs are allowed up to
December 31, 2000 to maintain cash reserves at 3 per cent of their demand
and time liabilities. A number of measures
were taken since 1995 not only to make RRBs viable but also to enable them to
function effectively.
Apart from
recapitalisation and infusion of equity, the measures include : Deregulation of interest rates on advance and deposits of above one year
maturity; rationalization of branches; and relaxation of norms relating to
investments by RRBs.
In 1998-99 NABARD
introduced several policy measures for improving overall performance.
They are :
- Quarterly / half yearly review of RRBs especially weak ones by the sponsor banks
- Merger of RRBs coming under a sponsor bank and operating in contiguous areas
- Off-site surveillance
- Framing of Appointment and Promotion rules (1998) for the staff of RRBs
- Introduction of Kissan Credit Cards for provision of credit to farmers.
August 26, 2012
List of Chief Ministers and Governors of Indian States
India Under-19 Won World Cup
August 25, 2012
Current Affairs Quiz - 2
Interview Experience - SBI Associates Clerks - Minaxi Jaiswal
The interview was held on 14th June 2011.
Name : Minaxi Jaiswal
Education : Post Graduate (M.Com) and Pursuing MBA
Here is the Interview Experience in her own words.
August 24, 2012
London Olympics 2012 - Overview for Competitive Exams
Motto :
The Motto of Olympics 2012 is “Inspire a Generation”.
Mascots :
London Olympics 2012 - Medal Tally
Usa Topped with 104 toal medals and India got 55th position with 6 Medals.
Note : No need to memorize all these values... Just remember the values highlighted in Red colour.
Note : No need to memorize all these values... Just remember the values highlighted in Red colour.
World Records in 2012 London Olympics
There are 26 world records being broken in various events in 2012 London Olympics. Here is the event wise List
Archery
Im Dong Hyun of Korea set a new world record score of 699 during the Archery men's individual ranking round.
Archery
South Korean team of Im Dong-hyun , Kim Bub-min and Oh Jin-hyek set a new 216-arrow world record in the ranking round.
Note : Im Dong-hyun is a partially blind person and He set the First world Record in London Olympics 2012.
41146 Vacancies in 19 Nationalized Banks
There were vacancies for as many as 20,785 officers and 12,695 clerical posts as on March 31, 2012, MrMeena said, also, there was vacancy for 7,666 subordinate staff, he added.
Indian Bank - Specialist Officers
August 22, 2012
Download Regional Rural Banks (RRB) Call Letters
Download
Call Letters for Common Written Examination (CWE) for recruitment of Officer Scale I , II & III in Regional Rural Banks (RRBs) from Here
August 21, 2012
Regional Rural Banks - Previous Papers - Hindi Language - 2
We've already posted the Hindi Section of Uttar Bihar Gramin Bank's Exam (This is one of the Regional Rural Banks). You can get that paper Here. Now we are posting another Previous Paper of Regional Rural Banks Hindi Section. This is the previous paper of Bihar Kshetriya Gramin Bank held on 15th April 2012. Happy Reading :)
August 20, 2012
May Month's Current Affairs free Download
Regional Rural Bank POs Previous Papers - General Knowledge - 2
Note : As this is the OLD general awareness paper, there is NO NEED to memorize this... we are just posting this paper so that you can understand the pattern of the questions. Good Day.
1. Which of the following is one of the core functions of the Reserve Bank of India ?
(A) To act as Tax collector of the Govt. of India
(B) Work as Banker to the Banks
(C) Help in finalization of the Union Budget
(D) Participate in annual meetings of the various financial institutes world wide
(E) None of these
Ans: (B)
August 19, 2012
China's Yu Wenxia is the new Miss World 2012
August 18, 2012
Karnataka Bank - Clerks - 1000 Posts
Current Affairs Quiz Series - 1
Regional Rural Banks Previous Papers (English Section) - Clerks - 5
Directions—(Q. 1 to 12) Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you to locate them while answering some of the questions.One of the boys in a small village was sent out to the fields to look after some sheep. He was instructed bye the villagers to mind the sheep and take care of them. ‘Don't let them stray,’ said the villagers to him. “And keep a good look out for the wolves. Don't go far away’, and if you see a wolf coming near the sheep; shout out ‘wolf!’ as loudly as you can and we will come at once to help you.” ‘All right!’ said the boy, ‘I will be careful.’ So every morning he drove his sheep out to the hillside and watched them all day. And when evening came, he drove them home again. But after a few days he got rather tired of this lonely life. Nothing happened and no wolves came. So one afternoon he said to himself. “These villagers have given me a very useless job. I think I will play a trick on them, just for fun.”
August 17, 2012
June Month's Current Affairs - Free Download
August 16, 2012
Vijaya Bank - Clerks - 800 Posts
