RBI Grade B 2018 – Preparation and Discussion

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This group is meant for aspirants preparing for RBI Grade B (DR) (General) exam.


Constructive participation: sharing books, current affairs, notes, compilations and summaries, documents, videos, audios, illustrations; posting questions, clarifying doubts; asking for and sharing opinions, analysis, experiences, insights, and reflections; and discussing mocks and other relevant issues.


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Is there any wh*atsapp group for preparation and discussion?

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NITI Aayog’s Health Index

The 2nd edition of Niti Aayog’s Health Index 2019 makes the important point that some States and Union Territories are doing better on health and well-being even with a lower economic output, while others are not improving upon high standards. Some are actually slipping in their performance.

  • The report ‘Healthy States, Progressive India: Report on Rank of States and UTs’ has ranked in three categories — larger States, smaller States, and Union Territories “to ensure comparison among similar entities.”
  • The first round of the Health Index was released in February 2018, which measured the annual and incremental performances of states and UTs for period 2014-15 (base year) to 2015-16 (reference year).
  • The report has been prepared in collaboration with the Ministry of Health and Family Welfare with technical assistance from the World Bank.

Important Findings

  • Kerala, which got an overall score of 74.01, was followed by Andhra Pradesh (65.13), Maharashtra (63.99), Gujarat (63.52) and Punjab (63.01), Himachal Pradesh (62.41), Jammu and Kashmir 62.37, Karnataka (61.14) and Tamil Nadu (60.41).
  • Uttar Pradesh continued to be at the bottom of the list with its score falling to 28.61. The other States at the bottom of the list were Bihar (32.11), Odisha (35.97) and Madhya Pradesh (38.39).
  • Among the smaller states, Mizoram ranked first in overall performance, while Tripura and Manipur were the top two states in terms of incremental performance.
  • Sikkim and Arunachal Pradesh had the biggest decrease in overall Health Index scores.
  • Among the UTs, Chandigarh jumped one spot to top the list with a score of (63.62), followed by Dadra and Nagar Haveli (56.31), Lakshadweep (53.54), Puducherry (49.69), Delhi (49.42), Andaman and Nicobar (45.36) and Daman and Diu (41.66).
  • The report stated that only about half the States and UTs showed an improvement in the overall score between 2015-16 (base year) and 2017-18 (reference year).
  • The report added that among the eight Empowered Action Group States, only three States — Rajasthan, Jharkhand, and Chhattisgarh — showed improvement in the overall performance.
  • The decline in the overall Health Index score of five empowered action group states (Bihar, Uttar Pradesh, Uttarakhand, Madhya Pradesh, Odisha) is attributed to the deterioration of performances of several indicators.
  • There was a general positive correlation between the Health Index scores and the economic development levels of states and UTs as measured by per-capita net state domestic product (NSDP).

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Revival of economy from slowdown...IMPORTANT For Rbi Gr B Exam 2019 As per the estimates available from Central Statistics Office, Growth of Gross Domestic Product (GDP) at constant prices was 6.8 per cent in 2018-19, lower as compared to 7.2 per cent in 2017-18. However, the growth of investment picked up along with higher capacity utilization in manufacturing sector and higher growth of private consumption in 2018-19. The growth in fixed investment picked up from 9.3 per cent in 2017-18 to 10.0 per cent in 2018-19. The 44th round of the Order Books, Inventories and Capacity Utilisation Survey conducted by Reserve Bank of India, shows a gradual improvement with higher capacity utilization in the manufacturing sector in first three quarters of 2018-19 (the latest data available), as compared to corresponding quarters of previous year. The growth of private final consumption expenditure was 8.1 per cent in 2018-19, as compared to 7.4 per cent in 2017-18. The production growth in manufacturing sector as measured by growth of index of industrial production (IIP) - manufacturing, however, slowed down to 3.5 per cent in 2018-19 from 4.6 per cent in 2017-18. Data from Employee Provident Fund Organization indicates increase in the net employment generation in the formal sector from 4.86 lakh in February 2018 to 10.43 lakh in April 2019. The Periodic Labour Force Survey (PLFS) report estimates the unemployment rate in India at 6.1 per cent as per usual status basis and 8.9 per cent as per current weekly status basis in 2017-18. However, PLFS unemployment rates cannot be compared to the unemployment rates estimated in reports of previous years, as such reports are not comparable to PLFS report in terms of the methodology used in estimating the unemployment rates. Various Proposals/ representations/ suggestions relating to the amendments in tax laws are examined at the time of the preparation of the Finance Bill and the outcome of the same is reflected in the Finance Bill tabled before the Parliament. Economic growth is high on the agenda of the Government. Various reforms are being undertaken by the Government in many spheres to improve GDP growth. The key reforms in Government’s new term include expansion to all farmers the cash transfer scheme “PM-Kisan” providing an income support of Rs.6000/- per year, which was earlier limited to farmers with a land holding of less than 2 hectares. Along with this, Government has also launched voluntary pension scheme for small and marginal farmers and small shopkeepers or retail traders. Further to give focused attention to issues of growth, the Government has constituted a five-member cabinet committee on investment and growth chaired by Hon’ble Prime Minister. Earlier measures taken by the Government for growth promotion, inter-alia, include historic support and outreach programme for the Micro, Small and Medium Enterprises (MSME) sector, expansion and facilitation of MSMEs across the country, liberalization of FDI policy and introduction of the Goods and Services Tax. The Government aims at creating a conducive environment for manufacturing sector by streamlining the existing regulations and processes. ‘Make in India’ programme has been launched which aims at making India a global hub for manufacturing, research & innovation and an integral part of the global supply chain. Several steps to boost domestic manufacturing are being taken as part of schemes such as ‘Startup India’, ‘Ease of Doing Business’, Business Reform Action Plan, Intellectual Property Rights (IPR) policy etc. MORE FREE UPDATES AT https://www.facebook.com/rbigradebcoachingbydassir/

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U.K. Sinha Committee on MSME’s Economic and Financial Sustainability

A Reserve Bank of India (RBI) committee has suggested a ₹5,000 crore stressed asset fund for domestic micro, small and medium enterprises (MSMEs) in relief to small businesses hurt by demonetization, the goods, and services tax and an ongoing liquidity crunch.

  • The committee to study the problems faced by MSMEs was chaired by U.K. Sinha, former chairman of the Securities and Exchange Board of India.
  • The RBI had constituted the committee in January to review the current framework for MSMEs and suggest long-term solutions for their economic and financial sustainability.
  • Distressed asset fund structured to assist units in clusters where a change in the external environment, e.g. a ban on plastics or ‘dumping’ has led to a large number of MSMEs becoming non-performing assets (NPAs).

Other important recommendation

  • The panel said that instead of making MSMEs register with various authorities, the permanent account number (PAN) should be made sufficient for most of their activities.
  • It recommended an amendment to the MSMED Act, 2006, requiring all MSMEs to mandatorily upload all their invoices above an amount to be specified by the government, from time to time. This mechanism will entail automatic display of names of defaulting buyers, and also act as moral suasion on buyers to release payments to these suppliers
    The report pointed out that small industries faced problems of delayed payments and were reluctant to enforce legal provisions available to them under the MSMED Act due to their low bargaining power.
  • The private sector should be incentivized by tax breaks or bonds to help MSMEs build skill sets in areas like product development, technology adoption, and marketing strategy.
    The private sector’s contribution to the segment, the committee noted, was minuscule, but the research and development facilities they possessed could be of enormous value.
  • The committee suggested that the PSBLoansIn59Minutes Portal should also cater to new entrepreneurs, who might not necessarily possess information, including GSTIN, income-tax returns, and bank statement.
  • On restructuring MSME accounts that have turned sour, the committee said an MSME account could be considered for an upgrade to “standard” after six months of satisfactory operation, instead of the current norm of one year. The account must also have additional equity in the business or a new source of cash flow.
    The RBI had announced a one-time restructuring scheme for MSMEaccounts in January, but the scheme is basically for accounts that are still standing.
  • The committee has also recommended banks that wish to specialize in MSME lending, their sub-targets for farm loans under the priority sector lender could be waived off and instead can be given a target for loans to the SME sector.
    The targets, the committee said, could be of 50% of the net bank credit for universal banks and 80% for small finance banks.
    At present, the overall priority sector lending target for a universal bank is 40% of their net bank credit and 75% for small finance bank.
  • Commercial banks have been suggested that they should develop customized products to assess the financing requirements based on expected cash flows moving away from traditional forms of assessment.
  • The committee recommends expanding the role of SIDBI, the apex body responsible for the development of the MSME sector.
    SIDBI should deepen credit markets for MSMEs in underserved districts and regions by handholding private lenders such as non-banking financial companies (NBFCs) and microfinance institutions (MFIs).
    Further, they must develop additional instruments for debt and equity, which would help crystallize new sources of funding for MSMEs and MSME lenders.
  • The committee has recommended a government-sponsored ‘fund of funds’ of Rs 10,000 crore to support the venture capital and private equity firms investing in the MSME sector on modified term sheets developed by SIDBI.

Other suggestions of the committee include;

  • Introduction of adjusted priority sector lending (PSL) guidelines for banks to specialize in lending to a specific sector.
  • Doubling the collateral-free loan limit to Rs 20 lakh.
  • Revision in loan limit sanctioned under MUDRA by the Finance Ministry to ₹20 lakh from ₹10 lakh.
  • Providing insurance coverage to MSME employees by the government.
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This live session will be a Revision Class, wherein, I am going to discuss all the important Government Schemes launched in the year 2018-19. These Schemes are important from the RBI, SEBI, and UPSC Examination point of view. So, watch the session until the end. 

Live Session Starts today at 5:00 PM 

Live Session Link: https://www.youtube.com/watch?v=HeZyUaQHlbw

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Key Announcements Of Union Budget 2019-20:
  • PAN and Aadhaar will become interchangeable. One can use your Aadhaar number to file I-T Returns soon
  • Rs 5 lakh minimum limit announced for taxpayers.
  • 3% surcharge hike on an income of Rs 2 crore and 7% on Rs 5 crore and above
  • Corporate tax with turnover of up to Rs 400 crore slashed to 25 per cent from a current rate of 30 per cent
  • MDR charges waived on cashless payment
  • Fiscal deficit in FY 19 at 3.3% of the GDP
  • GST rate on electric vehicles lowered to 5%
  • Nari tu Narayani: Women SHG Interest Subvention Programme to be expanded to all districts in India
  • Rs 1 lakh loan to be provided for SHG women members under Mudra Scheme
  • Additional income tax deduction of Rs 1.5 lakh on interest on loans taken to purchase electric vehicles
  • Additional deduction of Rs 5 lakh on loans up to March 31 2020 for buying affordable houses, giving Rs 7 lakh benefit to home buyers.
  • To provide Aadhaar cards for NRIs with Indian passports, after their arrival in India, with no waiting period.
  • Rs 20 coin coming up
  • Regulation of HFCs (Housing Finance Cos) to move to RBI from National Housing Bank
  • Excise duty on fuel hiked by Rs 1
  • To resolve the angel tax issue, startups will not be subject to any scrutiny in respect to valuation. Funds raised by startups will not require any scrutiny by the I-T department.
  • TDS of 2% on cash withdrawals exceeding Rs 1 crore in a year from bank accounts, to discourage business payments in cash.
  • Period of exemption for capital gains arising from sale of house for investment in startups to be extended to March 31, 2021
  • Rs 70,000 crore in recapitalisation for public sector banks
  • Rs 1.05 lakh crore disinvestment target for the year.
  • TV channel to be launched for promoting startups and to help matchmaking for funds
  • Rs 50 lakh crores proposed for Railway infrastructure
  • By 2022, the 75th year of Independence, every single rural family, except those who are unwilling to take the connection, will have electricity and clean cooking facility
  • The pension benefit will be extended to 3 crore retail traders under PM Karam Yogi Maan Dhan Scheme. It requires only Aadhaar numbers and bank accounts
  • Rs 1 crore worth of loans proposed to MSMEs
  • 2% interest subvention for GST-registered MSME on fresh or incremental loans
  • Investment by FIIs and FDIs in debt securities in infrastructure debt funds to be allowed. Minimum public shareholding in listed companies can be increased from 25% to 35%
  • Global Investors Meet to happen in India 
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Download Free PDF 

Pratiyogita Darpan Hindi August 2019



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RBI Grade B 2019 ( G.A Section + ESI + FM+ English + Budget interim and Full & Economic Survey 2019 Pdfs ) and Phase 1 (English + Reasoning + Quant Section) Video is Available. And also Sebi 2019 Notes Complete Notes with Latest Material of 2019 in PDF Format ( Printable) .....With New notes Updating till 2019 Exam .With Phase 1 G.A with Current Affairs and Full Phase 2 covered with ESI..FM..Current and Static Parts Both...If interested Message me with Contact Details on aks7430032@gmail.com  

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