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UPSC Exam > UPSC Videos > भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए > Audio Notes: धन और बैंकिंग

Audio Notes: धन और बैंकिंग Video Lecture | भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए

	भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए 5 videos\|289 docs\|166 tests

भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए

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FAQs on Audio Notes: धन और बैंकिंग Video Lecture - भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए

1. What is the role of the central bank in a country's economy?

Ans. The central bank plays a crucial role in a country's economy by managing monetary policy, regulating the banking sector, maintaining financial stability, and acting as a lender of last resort. It influences interest rates, controls inflation, and ensures the stability of the national currency. Central banks also oversee the payment systems and hold the foreign exchange reserves of the country.

2. What are the different types of banking systems present globally?

Ans. There are mainly two types of banking systems present globally: the unit banking system and the branch banking system. The unit banking system consists of independent banks that operate individually without branches, while the branch banking system includes banks that operate through a network of branches. Additionally, there are also investment banks, commercial banks, savings banks, and cooperative banks, each serving specific purposes within the financial system.

3. How does inflation impact the banking sector?

Ans. Inflation impacts the banking sector in several ways. It can erode the purchasing power of money, affecting the real value of loans and deposits. Banks may adjust interest rates to combat inflation, leading to higher borrowing costs. Furthermore, persistent inflation can lead to uncertainty in financial markets, influencing investment decisions and consumer behavior, which can ultimately affect the overall profitability of banks.

4. What is the significance of the Reserve Ratio in banking?

Ans. The Reserve Ratio, also known as the Cash Reserve Ratio (CRR), is significant as it determines the minimum fraction of customer deposits that banks must hold as reserves. It is a tool used by central banks to control liquidity in the economy. A higher reserve ratio means banks have less money to lend, which can help control inflation, while a lower ratio can stimulate economic growth by increasing the funds available for lending.

5. What are the main functions of commercial banks?

Ans. Commercial banks perform several key functions, including accepting deposits, providing loans, facilitating payments and money transfers, and offering financial services such as investment advice and wealth management. They act as intermediaries between savers and borrowers, help in the creation of credit, and contribute to the overall economic development by supporting businesses and consumers in their financial needs.

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Oct 12, 2025 Last updated

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Video Description: Audio Notes: धन और बैंकिंग for UPSC 2025 is part of भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए preparation. The notes and questions for Audio Notes: धन और बैंकिंग have been prepared according to the UPSC exam syllabus. Information about Audio Notes: धन और बैंकिंग covers all important topics for UPSC 2025 Exam. Find important definitions, questions, notes, meanings, examples, exercises and tests below for Audio Notes: धन और बैंकिंग.

Introduction of Audio Notes: धन और बैंकिंग in English is available as part of our भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए for UPSC & Audio Notes: धन और बैंकिंग in Hindi for भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए course. Download more important topics related with notes, lectures and mock test series for UPSC Exam by signing up for free.

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Video Lecture & Questions for Audio Notes: धन और बैंकिंग Video Lecture | भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए - UPSC full syllabus preparation | Free video for UPSC exam to prepare for भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए.

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	भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए 5 videos\|289 docs\|166 tests

भारतीय अर्थव्यवस्था (Indian Economy) UPSC CSE के लिए

5 videos|289 docs|166 tests

Join Course for Free

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