1) (RBI) 2 2014 ?

IDFC Bandhan Financial Services Private Limited (

23 ,

25
/ IDFC , , , ,
, LIC , L&T RBI

1997 IDFC
(infrastructure) 2002
(micro finance institution) 4.5 )
2) 3 2014 (RBI) - ? . (
- 2014

-
RBI - 4 - .. , .. ..

RBI )
3) 1 2014 (Direct Taxes Code DTC)

(HUF) ? 10 (
(super-rich category) )
4) 1 2014 (DTC) ?
35%
5) 1 2014 (DTC)
(dividend income) - (additional income tax) ? 10%
6) (RBI) 1 2014 -
? RBI (saving accounts)

(RBI

(basic savings bank deposit account)

)
7) (Axis Bank) 27 2014 24
(RuPay)
? 1998 (
1998
)
8) (SEBI) 29 2014 (Ponzi)
:

SEBI
? 100 ( 17 2014
, )
9) (RBI) - (Basel III) 27 2014
31 2019 ? 31 2018 (-
8% (capital adequacy ratio) 9% 11.5%
(regulation), (supervisory) (risk-
management) )
10) (Confederation of Indian Industry CII) ?
. . ( (DCM Shriram) 2014-15

(Forbes Marshall)
CII )
1) (Credit Information Reports CIRs) 2014
(RBI) ? , HDFC (

: )
2) (RBI) 9,000
(WLAs) 25 2014 ? SREI (RBI SREI
WLAs , SREI
)
3) - (m-Pesa) - 2014
(NPCI) (IMPS) - -
? Mobile Commerce Solutions Ltd (MCSL) (
- NPCI IMPS-
(NPCI)
(RBI) (IBA) IMPS
, 24
)
4) 2014 9% ? Axis Bank (
(UTI) (SUUTI) 2003 UTI
20.72%
(LIC), , )
5) (RBI) 19 2014 (gold import)
RBI
5 ? HDFC , Axis ,
, - (IndusInd Bank) Yes Bank (
RBI 2013
)
6) (NSSO) 2014
(monthly per capita consumer
expenditure MPCE) ? ( MPCE 3,817
: (MPCE . 3,408) (MPCE . 3,189) MPCE
(. 1,507) NSSO 68 2011 2012 )
7) (NSSO) 2014
(monthly per capita consumer
expenditure MPCE) ? ( 2,669 :
(MPCE . 2,581) (MPCE . 2,345) MPCE (. 1,003)
NSSO 68 2011 2012 )
8) 20 2014 - ? .. (
2009 - 2012

)
9) SEBI 19 2014 (FTIL)

90
FTIL ? MCX ,
(NSE), (DSE), (VSE) MCX-SX (MCX-SX CCL)
( 2013 (Forward Markets Commission FMC) FTIL MCX
2% )
10) 18 2014 3,000
(CPSE-ETF) CPSE-ETF 10
(ONGC), (GAIL), (CIL), (IOC), (CCIL),
(REC), (OIL), (PFC), (EIL)
(BEL) ?
Goldman Sachs India MF ( CPSE-ETF
- )

1) (RBI) 3 2014 (Inflation Expectations Survey) ? 35
( RBI 16 5,000
:
)
2) (RBI) 2005 3 2014
? 1 2015 ( RBI 22 2014 2005
2 2014 2005
)
3) CIBIL (
) Inc. (TII) ? (
5% TII 27.5%
ICICI 10% , ,
, , , , 5-5% )
4) (RBI) (Rupee Drawing Arrangements RDAs)
(trade related remittance limit) 2 5 13 2014
?

(
-

)
5) 28 2014 (EPFO) 1,000
?
95 Employees Pension Scheme-95 (EPS-95)
6) 4 2014

0.2%

? 1 (term deposit) 2
( 8.2% 8.4% 3
, 5 5 (recurring deposit) 0.1%

(PPF)

1 2014 )
7) 1 2014 - (Blue-Chip PSU)
? HPCL ( HPCL (CMD)
) 8) 11 2014 (CMD)
? ( (PNB) (Executive
Director) )
9) (IOC) 10% 14 2014 5,340
?

(ONGC) (OIL)
ONGC OIL 5-5% 220
10,434

(EGoM)
28 2014 10%
)
10)

(most industry-friendly state)

(Deloitte Touche Tohmatsu)

? ( , :
, , , , ,
. , , ,

2013
)
1) (CCEA) 24 2014

? Federal Bank (

(paid-up capital)
74% 49% - (FIIs) 24%
?(NRIs) )
2) (UBI)
? 1,000 ( -
(NPAs)

(CMD)

(RBI) 10 )
3) (BMB) 3
? (
BMB-, BMB - BMB -
BMB - 50,000
BMB - 5 BMB -
)
4) (ADB) ( )
? (
, ,
(Central Administrative Tribunal)
64 )
5) . 27 2014 ATM ?
( ATM
ATN 2014-15
4,909 )
6)

(Major Ports)

. .

()

?
7)

(ONGC Limited)
(CMD) 26 2014 ? . (
ONGC (OVL) (MD)

28 2014

)
8) (NSE) 26 2014 (Volatility Index)
(NIFTY) ? VIX India VIX ( India VIX
-
India VIX -
30 - India VIX
- India VIX India VIX NIFTY -
(negative coorelation) )
9) 25 2014 (Bitcoin exchange)
? Mt. Mt. Gox (
25

: Mt. Gox Mt. Gox
MtGox

)
10) (CPSEs) (ETF)
? ( 10
(ONGC), (GAIL), (CIL), (IOC), (CCIL),
(REC), (OIL), (PFC), (EIL)
(BEL) CPSE ETF
)
1) . 17 2014 Vote-on-Account ( )
2014
2013-14 (fiscal deficit) ? (GDP)
4.6% ( 4.8%
2012-13 GDP 4.8%

2G )
2) 17 2014 2013-14

? 4.5%
3) 17 2014 9
2,600
? 2009 ( . 31 2009
2012-13
1 2014 )
4) 17 2014 2014-15 10%

? . 2,24,000
5) 200
(Venture Capital Fund) 17 2014
? IFCI
6) 17 2014 (Service Tax) ?

7) . 17 2014 (Vote-on-Account)
? Public Debt Management Agency
PDMA (
-
2011-12
, )
8) (RBI)
(Financial Sector Legislative Reforms Commission FSLRC)
2014 - ? .

(Executive Director) :
,
)
9) (UBI) (CMD) 20
2014 ? ( 2013
2015

- (NPAs) 2013-14
194% 2,902 8,545.5

)
10) ( ) 13 2014 (e-IPO)
? (RTI)
( e-IPO ()
(IPO) RTI -
(https://www.epostoffice.gov.in) (www.indiapost.gov.in)
RTI 22
2013 )
11) SEBI 13 2014

(CEO)
, (Succession)
: ?
(Good Business Practices) (
SEBI 13

(listing agreement)
SEBI KYC (KYC Registration Agency KRA)

KYC )
1) (RBI) 12 2014
ATM
(Payment Banks)

? (Financial Inclusion) (
-
ATM

(Payment System)
)
2) 10 2014 6 2014

? UFBU ( 5-
UFBU (IBA) 6

UFBU IBA
)
3) 2014 (RBI)

- (White Label ATMs

WLAs) ? ( ,
(), () () 2012 RBI
, 2007 (Payment and Settlement Systems Act, 2007)

17 )
4) 7 2014 2014
10- ? , , ,
5) (PSU) (revival)
(Cabinet Committee on Economic Affairs CCEA)

13 2014 ? ITI ,
( 1948

, 1938 1950 (PSU)

2004-05 (Board of Industrial
and Financial Restructuring BIFR) BIFR
CCEA 4,156.79

)
6) 6 2014 (FDI)
? Vodafone (

)
7) (Indian Banks Association IBA) 2014
(Microsoft) 8 (Windows XP)
IBA

? 34,000 (
1,100 (opportunity losses)
330
2001 Windows 8
)
8) (7th Central Pay Commission) ?

,
( .

4 2014 ( ),
(NIPFP ) ( )
, -
1 2016

2013 )
9) (National Organisation of Bank Workers (NOBW))
(Banking Services Recruitment Board (BSRB))
NOBW BSRB
- ? 2005 (
NOBW NOBW NOBW

)
10) 3 2014 (ADB) ? Teresa Kho (

(Hun Kim)

)
1) (India Post) 2014

- 3,000 ATM 1.35 - (micro-ATM)
5 2014 , ATM
? 2015
( 1,000 ATM 18
3,000

ATM -
(RBI)

6.05 SBI

ICICI )
2) (RBI) 28 2014 (third quarter
monetary policy review) (Repo Rate) 0.25%

?
8% (

EMI

(Reverse Repo Rate) 7% (MSR) 9%
RBI (CRR) 4% )
3) RBI 28 2014
(Macroeconomic and Monetary Developments Report) 2013-14
( GDP growth rate) ? 5% (RBI
:

5% RBI
(2014-15) 5.5% 2013-
14 4.6% )
4) (National Innovation Council (NInC)) . (Ministry of Micro, Small and
Medium Enterprises) 27 2014
? India
Inclusive Innovation Fund IIIF ( 500
20% ,
, ,

/
)
5) 2012-13 (GDP)

31 2014
? 4.5% ( 5% 0.5%

, 4.5%

2002-03 4% )
6) 30 2014 LPG

9 12
-

,

? 97% (

15 89.2% 9
9 12 97%
)
7) 4,000
29 2014

6 (PSUs)
? (
19,000

7,500
(BHEL) 26% , (SECI) 23% ,
(SSL) 16%, (PGCIL) 16%, (SJVNL) 16%
(REIL) 3% )
8) (Mumbai Monorail) 2 2014
1
? Mumbai Metropolitan Region Development Authority (MMRDA) (
3,000 MMRDA 1,900
2
(Wadala-Chembur)

, ,
, , , )
9) - (Vakrangee Ltd.) 2014
? (RBI) ATM (White
Label ATM (WLA)) ( RBI
15,000 ATM ATM ATM
-
ATM (
ATM))
10) 23 2014 (Diamond Jubilee)
(MD) .

(BSE) 75
- ? , (

1939
)

1) (BMB)
(collateral) 1
/ ? Credit Guarantee Fund Trust for Micro
and Small Enterprises CGTMSE ( CGTMSE 80%

20,000 )
2)
(Foreign Portfolio Investment (FPI)) (Foreign Direct Investment (FDI))

49%
? (
(FDI) (FII)
- 2014
)
3) (RBI)
2014 4%
2% /

? Urjit Patel, -
4) (RBI) 2014 -

? . . PJ Naik (. .
(Chairman & CEO) ,

)
5) 9000% (dividend) 2014 ,
? Tamilnad Mercantile Bank TMB (
2013 10 (face value) 900
TMB 2008-09 750 1,000
)
6) 20 2014 (RBI) - (Deputy-Governor)

? (

- RBI - .. , ..

- , ,
)
7) 20 2014
? Rail Tariff Authority (

, ,

, 1989 )
8) 2014 , ,
... .. (ARC Ratings S.A.) -

? ( ) CARE ( ARC
)
9) 2013 7.7%

? 1999 ( 14
7.6% 1999
2010

10.4
586 -
)
10) 2013 (

)
? (NSE), (World Federation of Exchanges (WFE)
2013 NSE

145 , 2012 3% NSE

51 NSE BSE
BSE 4000

2012 3%
34.46 2013 (Shenzhen Stock Exchange SSE)

129
NYSE Euronext SSE
38%

)
1) . 12 2014
10,000
? -7,000 (
55,000

)
2) 2014 (ATM)
? SBI ( SBI 7,843

3% 6%
30 2013 SBI 32,777 SBI

)
3) (EPFO) 13 2014 2013-14
8.75% 5
? 8.5% (EPFO 13

EPFO

20,796.96 )
4) (RBI) 2014 (Hong Kong and Macau)
RBI
6
? , , , , (
6
RBI )
5) 10 2014 11 (CPSEs) (ETF)
3,000

11
? ONGC, (CIL), GAIL, , REC,
(OIL), , , ,
(ETF ,

ETF )
6) (SEBI) 10 2014
SEBI
/ 2013
SEBI ? ()
, 2013 Securities Laws (Amendment) Second Ordinance, 2013 (
2013 )
7) 2014 ? Axis
Bank ( China Banking Regulatory Commission (CBRC)

, -
, , , -
)
8) (AMC)
(inflation-indexed fund) 2014 ?
Deutsche Asset Management India DAMI ( 2014 -
16 27 2014 - (IIBs)

3.6% IIBs )
9) (SEBI) . . 2014 2
16 2016 SEBI
SEBI ? .. ( 1995 2002 SEBI
.. (2002-2005), . (2005-
2008) . . (2008-2011) )
10) 12 7 9 2014
? : Engaging Diaspora: Connecting
Across Generations ( 9
9
)
1) (Financial Inclusion) (RBI)
7 2014 RBI 18

? 1 2016 ( 18
(Aadhaar) (UIAI)
RBI
KYC (: ) )
2) 1 2014 (Eurozone) ? Latvia (

28- (EU) 9 2013
28- 17

,
)
3) (RBI) 31 2013 1 2014
RBI

,
RBI 2013 ? Clean Note Policy ( 2013
RBI

:
)
4) (RBI) 23 2013 (Bitcoin) (virtual currency) ,

? (
, (litecoins), (bbqcoins), (dogecoins),
:

)
5) 2013 , (National Institute for Micro, Small
and Medium Enterprises (NIMSME)) (National SME University)
NIMSME ? (
21 2013 )
6) 20 2013 (LIC) (MD) ?
( 1956 LIC

.. , . . )
7) (RBI) 18 2013
( )
(cash reseve ratio CRR)
? (25 bps)

(RBI
)
RBI
-
- 7.75% 4%
- RBI
-
8) IRDA 2013
(LIC) 10 LIC
IRDA LIC
? 29 (LIC 11.72

9.49 ) 9) 23 2013

(inflation indexed bonds)

?

(Inflation Indexed National Savings Securities

Cumulative)
10) 20 2013 , ,
-
?
. , () ( 37% (60
.) )

1) (National Stock Exchange NSE) 2013 ? 20
(NSE 1992

1993
NSE
(electronic medium)

2013

989 1,635 )
2) 2013

( NABARD) ?

Harsh Kumar Bhanwala ( 2013

(IIFCL)
5 )
3) 10 , 2013 (Finance Secretary) ? ( 2013

.. (Expenditure Department)
1976
2014

)
4) (PSU Banks) - - (Gross Non-performing
Assets GPAs) 30 10 , 2013
30 2013 30 -
(GNPAs) ? 35.5% ( GNPAs 30 38.8%
GNPAs 30 72,174 91,667
)
5) (eKYC (electronic Know Your Customer)
(NPCIL) 2013 ? HDFC ( eKYC
HDFC

(UIAI) )
6) (UFBU) 2013 -
? -
( (IBA)

ATM,
( )
/ (RBI)
(Financial Inclusion) -

7) (FDI) -
17 2013

?
Tesco Plc., (
11 - (Trent
Hypermarket) - 14
2013 - 51% FDI )
8)
3 , 2013 ? - ( 1,000 . 4,500
, , , , , ,

)
9) () 2013
(RBI) ? IOB (IOB
2014

(Deloitte) )
10) 500 500 2013
(IOC) (RIL)
? Energy Sector (
4,75,867 .
4,09,883 . (2,44,822 . )
(2,17,771 . ) (5 ), (6 ), (7 ),
(8 ), (9 ) ( ) )
)

(Standing Committee on Finance)

?
( -

:

)
2) (AIBEA)

( ) 25% -
(non-performing assets NPAs) 50
? ( . 2,673
. 2,660 (. 2,211)
(SBI )

- . 1,64,461 50
. 40,528 AIBEA (RBI)
)
3) (microfinance institutions MFIs)
3 , 2013 ? CIBIL (CIBIL CIBIL
- -
CIBIL , , - CIBIL

300 900 CIBIL
)
4) 1 , 2013 ? 1
(PIN) (

(RBI)
2013 (PoS)
30 2013 RBI

)
5) (LIC) 2013
,

34
?
( IRDA - ,
34 IRDA
)
6) 27 , 2013 (RBI)
? , (

RBI
- (non-operating financial
holding company (NOFHC)) RBI

2 )
7) 4 , 2013 6 (Deutsche Bank), (Societe
Generale), RBS RP JP Citigroup

1.7 ( 2.3 )
- ?
( 6
2008
- 2012 (Barclays)
(LIBOR)
, 72.5 )
8) (RBI) 28 , 2013 - (NBFCs)

? 50%
( NBFC 50% )
1) 2013

(Bank
Employees Federation of India (BEFI)) RBI

? White-Label ATMs ( ,
BEFI

(IndiCash)
)
2) (BMB)
19 , 2013 ?
( 7
, , , , , 4
25

75 1,000 )
3) 19 , 2013 (BMB) ?
(
(nationalisation) )
4) (RBI)

2012-13 -
(non-performing assets NPAs) / ?
NPAs 2013 3.6%

3.1%
NPAs 2013 1.7%
1.3%
2013

- 1,94,000
NPAs 1,65,000 NPAs 21,000
7,900
(SBI) 2013
5%

2012-13 - (non-priorty areas)

5) SEBI 18 , 2013 (mutual
fund distributors) - (Self Regulatory Organisation (SRO))
? Institute of Mutual Fund Intermediaries (IMFI), Organisation of
Financial Distributors (OFD) Financial Planning Standards Board India (FPSB) (
SEBI 2012 SEBI 2013
SRO 31 2013

SRO
)
6) (RBI) 19 , 2013 (SGSY)
- (self-help groups)
? 7% (RBI
- 7% 3
SGSY )
7) (SBI) 35% 2,375
3,658 ?
(non-performing loans)

(
1,837 2,645
30% 64,206 )
8) 18 , 2013 - (advance income-tax) (RBI) 6

? , ICICI , , (PNB), (BoB)
9) (RBI) 25 , 2013 -
- ? ,
200 ( 300 ( )
- , , , ,
)
10) 14 , 2013 (Rapid Metro Service) 6
-

?
(HUDA) IL&FS Rail Ltd. (

)
1) (BMB)
(Chairperson and Managing Director) 12 , 2013 ? (
(PNB) (Executive Director)
)
2) 29 , 2013 RBI - SMS
? RBI SMS
( RBI SMS
RBI , 2011 - SMS
)
3) RBI 29 , 2013


?
( RBI 2011 -
)
4) (RBI) 29 , 2013

(Repo
Rate) 25

7.75% RBI

( (WPI)
6.46%

(CPI) 9.84% RBI

RBI )
5) (RBI) 29 , 2013

(Marginal Standing Facility MSF) 25 8.75% MSF
? MSF : 100
(MSF
)
6) (RBI) 6 , 2013
RBI

? 74% (
74% )
7) (NSSO) 2009-10

26 , 2013 ? 2.8% (
3.8 NSSO
2009 2010 - )
8) (NSSO) 26 , 2013 2009-10

? (
13.2%
7.7% )
9) (NSSO) 26 , 2013 2009-10

? (
0.1%
0.6% )
10) (RIL) 21
(Forbes)
16

? ( 50

13.9 , 13.8
(12.5 ), (9 ), HCL (8.6
), (8.3 ),

(7.6 )
(6.6 ) )
1) (SEBI) 28 , 2013

(CRISIL)
(AMFI)

:
5

? 74% (
, 2013

8% 35
SEBI )
2) (RBI) 2013

? GIRO Advisory Group GAG ( .
IIT , 2013

RBI
)
3) 20 14,000 ( Capital
Infusion) 23 , 2013
(SBI) ? 2,000 (
SBI :
(capital
adequacy ratios) 14,000 10,000
)
4) 2013 (Development
Index)
:

?

5) - (NBFCs) - (MFIs)
(CRISIL) 2013 mfR1 ?
(), (), ( )
mfR1 ( ) -
)
6) (TARC Tax Administration Reforms Commission)
21 , 2013

? 18 ( 6
)
7) (RBI) 19 , 2013 RTGS RTGS
, ,
RTGS ISO ? ISO 20022 ( RTGS
-
RTGS 2004 RTGS )
8) 2013

31 , 2013 34,668
ATM 5,726 ATM
ATM 31 , 2014 26
28,942 ATM

137 ATM
31
, 2014 ATM ? (Financial Inclusion) (
2013-14 )
9) , (Customs, Excise and Service Tax Appellate Tribunal
(CESTAT)) 6 17 , 2013
, CESTAT CESTAT

? , ( CESTAT -
, , - CESTAT 1982
)
10) 2013 (Eugene Fama), (Lars Peter
Hansen) (Robert Shiller) 14 , 2013
?
(

1895
1968