SALEM INSTITUTE OF BANKING www.saleminstituteofbanking.in Special Focused Class --- General Awareness Std. Material

Important Days and Dates 3rd Friday - World Sleep Day Mar --- 222222 World Water Day Mar --- 232323 World Meterological Day January Mar --- 242424 World TB Day Jan - 01 Global Family Day. Army Medical Corps Jan -- 0101 Mar --- 272727 World Theatre Day Establishment Day April Jan - 08 African National Congress Foundation Day Jan -- 0808 Apr --- 010101 April Fool's Day Jan - 09 NRI Day Jan -- 0909 Apr --- 020202 World Autism Awareness Day (UN) Jan - 10 World Laughter Day Jan -- 1010 Apr --- 050505 National Meritime Day Jan - 11 Death anniversary of Lal Bahadur Shastri Jan -- 1111 Apr --- 070707 World Health Day Jan - 12 National youth Day, Birth Day of Swami Jan -- 1212 Apr --- 131313 Janllian Wallah Bagh Massacre Day Vivekanand Apr --- 141414 BR. Ambedkar Remembrance Day Jan - 15 Army Day () Jan -- 1515 Apr --- 181818 World Heritage Day Jan - 18 National Immunization Day Jan -- 18 Apr --- 212121 Civil Services Day Jan - 23 Netaji Subhash Chandra Bose's Birth Jan -- 2323 Apr --- 222222 World Earth Day Anniversary Apr --- 232323 World Books Day. World Copyright Day Jan - 25 Tourism Day (India), Indian Voters Day Jan -- 2525 Apr --- 252525 World Maleria Day (WHO) Jan - 26 Republic Day Jan -- 2626 Apr --- 262626 World Intellectual Property Day (UN) Jan - 28 Birth Anniversary of Lala Lajapati Rai Jan -- 2828 May Jan - 30 Martyr's Day (Mahatma Gandhi's Martyrdom Jan -- 3030 May --- 010101 World Labour Day. Day Day), Sarvodaya Day, World Leprosy Eradication May --- 030303 International Energy Day. World Asthma Day Day February February May --- 040404 Coal Minor's Day Feb - 02 World Wetlands Day, MGNREGA (Mahatma Feb -- 0202 May --- 050505 World Midwives Day Gandhi National Rural Employment Guarantee Act)) ) First Tuesday - World Asthma Day Day May --- 080808 World Red Cross and Red Cresent Day Feb - 04 World Cancer Day Feb -- 0404 May --- 111111 National Technology Day Feb - 13 Sarojini Naydu's Birth Anniversiry, World Feb -- 1313 May --- 151515 International Family Day Radio Day (UNESCO) May --- 171717 World Telecom Day Feb - 14 Valantine's Day Feb -- 1414 May --- 212121 National Anti Terrorism Day 2nd Sunday - World Marriage Day 2nd Sunday May --- 242424 Commonwealth Day Feb - 20 World Day of Social Justice FebFeb -- 2020 May --- 31 World No Tobacco Day Feb - 21 World Mother Language Day Feb -- 2121 June Feb - 24 Central Excise Day Feb -- 2424 June --- 040404 World Day of Innocent Children Victims of Feb --- 282828 National Science Day (India) Aggresion March March June --- 050505 International Environment Day Mar - 03 National Defence Day Mar -- 03 June --- 08 World Ocean Day Mar - 04 National Security Day Mar -- 0404 June --- 141414 World Blood Donor Day Mar - 08 World Women's Day. World Litrecy Day Mar -- 0808 June --- 202020 International Refugee Day Mar - 09 CISF Raising Day Mar -- 0909 June --- 212121 International Music Day Mar - 14 Pi Day Mar -- 1414 June --- 212121 International Yoga Day Mar - 15 World Consumer Day. World Disabled Day Mar -- 1515 July Mar - 16 National Vaccination Day Mar -- 1616 July --- 010101 World Doctor's Day Mar - 20 World Happiness Day Mar -- 2020 July --- 040404 America Indipendence Day Mar - 21 World Foresrty Day. World Poetry Day Mar -- 2121 July --- 111111 World Population Day July --- 262626 Kargil Victory Day

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July --- 292929 International Tiger Day Nov --- 171717 World Students Day July --- 303030 World Friendship Day Nov --- 191919 World Men's Day August Nov --- 212121 World Hello Day, World Television Day Aug --- 060606 Hiroshima Day Nov --- 262626 National Law Day Aug --- 080808 World Senior Citizen Day Nov --- 303030 National Flag Day Aug --- 090909 Quit India Movement Day December Aug --- 12 World Youth Day Dec --- 01 World Aids Day Aug --- 141414 Pakistan's Indipendence Day Dec --- 030303 World Disability Day, World Day of Aug --- 151515 India's Indipendence Day Handicapped Aug --- 191919 World Photography Day, World Dec --- 040404 National Navy Day Humanatarian Day Dec --- 070707 National Army Flag Day Aug --- 202020 National Sadohawana Diwas (India) Dec --- 090909 International Anti-corruption Day, National Aug --- 292929 National Sports Day Girl Child Day(lndia) September Dec --- 101010 World Human Rights Day Sept --- 020202 World Coconut Day, Dec --- 111111 UNICEF Day Sept --- 050505 National Teachers Day (Dr. Radhakrishanan Dec --- 141414 National Energy Conservation Day (India) Birth DayAnniversiry), & Sanskrit Day Dec --- 181818 National Migrants Day Sept --- 070707 World Forgiveness Day Dec --- 191919 Goa's Libration Day Septept --- 08 International Litrecy Day Dec --- 232323 Farmers Day, Kisaan Diwas Sept --- 141414 Day Dec ––– 222424 The National Consumers Right Day Sept --- 151515 International Democracy Day, World Dec --- 252525 Chrismas Day Engineers Day Sept --- 161616 World Ozone Day CURRNENCY --- COUNTRY Sept --- 212121 World Peace Day (UN), World Alzheimer's (CCC) Day- (CAPITAL) (CCC) SeSeSeptSe pt --- 252525 Social Justice Day 1)1)1) Euro Andorra (Andorra la Vella), Austria Sept --- 272727 World Tourism Day (Vienna), Belgium (Brussels), Cypurs (Nicosia), October Estonia (Tallinn), Finland (Helsinki), France (Paris), Oct --- 010101 World Day for Elderly (UN) Germany (Berlin), Greece (Athens), Ireland (Dublin), Oct --- 020202 International Peace Day, Gandhi Jayanti Oct --- 030303 World Nature Day Italy (Rome), Lativa (Riga), Lithuania (Vilnius), Oct --- 040404 World Animal Day Luxembourg (Luxembourg), Malta (Valletta(Vall etta),etta ),),), Oct --- 050505 World Teachers Day Monaco (Monaco), Netherlands (Amsterdam),(Amster ), Oct --- 080808 National Airforce Day (India) Portugal (Lisbon), San marino, Slovakia (Bratislava), Oct - 09 International Post-Office Day- Oct -- 0909 Slovenia (lj(((ljubjana),ljlj ubjana), Spain (Madrid), Vatican City Oct --- 101010 National Post-Office Day, World Mental (Vatican City). Health Day

Oct --- 121212 World Sight Day 2)2)2) Peso Argentina (Buenos Aires),Air es), Chile (Santiago), Oct --- 171717 International Poverty Day Colombia (Bogota), Cuba (Harana), Dominician Oct --- 20 World Statatics Day Republic (Santo Domingo), Mexico (Mexico City), Oct --- 212121 National Police Day- Philippines (Manila), Uruguay (Montevideo).(Montevideo) ... Oct --- 242424 United Nation Day 3)3)3) Rupee India (Delhi), Mauritius (PortLouis), Oct --- 282828 International Animation Day Nepal (Kathmandu),(Ka(Ka(Ka thmandu), Pakistan (Islamabad), Srilanka Oct - 30 World Thrift Day (Colombo).(Colombo) ... Oct - 31 National Intigration Day

November 4)4)4) Dollar Antigua & Barbuda (Saint John’s), Nov --- 070707 Infant Protection Day, World Cancer Australia (Canberra), Bahamas (Nassau), Barbados Awareness Day (Bridgetown), Brunei (Bandar Seri Begawan), Nov --- 08 International Radiology Day Canada (Ottawa), Dominica (Roseau), Ecuador Nov --- 090909 World Legel Service Day (Quito), El Salvador (San Salvador), Fiji (Suva), Nov --- 101010 Transport Day Guyana (Georgetown), Jamaica (Kingston), Liberia Nov --- 111111 National Education Day (Monrovia), Marshall Islands (Majuro), Micronesia Nov --- 141414 National Children Day (Pt. Jawahar Lai Nehru's Birth Anniversery), World Diebities Day (Palikir), Namibia (Windhoek), New Zealand

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(Wellington), palau (Melekeok), Singapore 1)1)1) T S R Subramanium Committee Recommended (Singapore), Taiwan (Taipei), US (Washington D.C), Single Window System For Environment Projects. Zimbabwe (Harare).(Harare ).).). 2)2)2) Nachiket Mor Committee: to permits NBFCs to 5)5)5) Franc Burkina Faso (Ouagadougou),(Ou agadougou), Cameroon work as Business Correspondents of banks. (yaounde), Central African republic (Bangui), chad 3)3)3) Nachiket Mor ‐ committee on comprehensive (N'Djamena), Comoros (Moroni), congo financial services for small businesses and (Brazzarille), Djibouti (Djibouti), Equatorial Guinea low‐income households. (Malabo), Gabon (Libnrille), Liechtenstein (Vaduz), 4)4)4) Nachiket Mor committee: for small and payments lote d'lvoire (Abidjan), Mali (Bamako), Madagascar bank. (Antananarivo), Niger (Niamey(Ni amey),amey ),),), Senegal (Dakar)(Da kar),kar) ,,, 5)5)5) Nachiket Mor Committee: to permits NBFCs to Switzerland (Bern), work as Business Correspondents of banks. 6)6)6) Pound Egypt (Cairo), Lebanon (Beirut),(Beirut) , Syria 6)6)6) Arvind Mayaram Panel: report on the alleged (Damascus), United Kingdom (London).(London) ... irregularities at the National Spot Exchange Ltd 7)7)7) Krone Denmark (Copenhagen), Norway (Oslo)(Osl o).o)o) ... (NSEL). 8)8)8) Krona Iceland (Reykjavik), Sweden (Stockholm).(Stockholm) ... 7)7)7) Arvind Mayaram Committee –for giving clear 9)9)9) Koruna Czech Republic (Prague).(Prague) ... definitions to Foreign Direct Investment (FDI) and 10) Won North Korea (Pyongyang), south Korea Foreign Institutional Investment (FII). ( Seoul).Seoul) ... 8)8)8) Union Govt. constituted a high level committee 11) Riyal Qatar (Doha), Soudi Arabia (Riyadh).(Riyadh) ... with the objective of bringing about clarity on tax 12) Rial Iran (Tehran), Oman (Muscat),(Musc at), Yamen laws: Ashok Lahiri (Former Chief Economic (Sanaa).(Sanaa) ... Advisor) 13) Riel Cambodia (Phnompenh).(Phnompenh) ... 9)9)9) Deepak Mohanty Committee: on Data and 14) Real Brazil (Brasilia).(Brasilia) ... Information Management in the Reserve Bank of 15) Ringgit Malaysia (Kuala lumpur).lumpur) ... India. 16) Ruble Russia (Moscow),(Moscow) , Belarus (Minsk) 10) K.K. MehMehrotrarotra Committee: to inquire gas leakage 17) Dinar Algeria (Algiers), Bahrain (Al-(Al(Al(Al --- in Bhilai Steel Plant. manamah), Iraq (Baghdad), Jordan (Amman), 11) PJ Nayak: to review Governance of Boards of Kuwait (Kuwait city),city) , Libya (Tripoli), Serbia Banks in India. The committee was constituted (Belgrade), Sudan (Khartoum), Tunisia (Tunis(Tuni s)ss),)),.,,... under the chairmanship of P. J. Nayak. He is a 18) Shilling Kenya (Nairobi), Somalia former Chairman and CEO of Axis Bank. (Mogadishu), Uganda (Kampala).(Kampala) ... 12) Pratyush Sinha committee: to assess 19) Yen Japan (Tokyo).(Tokyo) ... compensation for coal blocks. 20) Yuan China (Beijing) 13) The former Union Minister Jairam Ramesh 21) Ngultrum Bhutan (Thimpu).(Thimpu) ... designated as the head of Future Earth 22) Baht Thailand (Bangkok) Engagement Committee, a global research 23) Dirham UAE (Abu Dhabi) , Morocco (Rabat) platform panel on sustainable development. 24) Dong Vietnam (Hanoi) 14) Union Finance Ministry constituted High Level 25) Birr Ethiyopia (Addis Ababa) Committee to interact with trade and industry to 26) Kuna Croatia (Zagreb) give recommendations to the Central Board of 27) Kyat Myanmar (Nayn Pyi Taw) Direct Taxes (CBDT) and the Central Board of 28) Lira Turkey (Ankara)(Anka ra)ra)ra) Excise and Customs (CBEC) for issuance of 29) New Shekal Isrel (Jerusalem) appropriate clarifications by way of circulars, on 30) New Sol Peru (Lima) tax-related issues on a regular basis. The high 31) Taka Bangaladesh (Dhaka) level committee will be headed by former Chief Economic Advisor (CEA) Ashok Lahiri. Important Committees

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15) T.T.T.K.T. K. Vishwanathan committee: to provide 29) Mukul Mudgal member panel to probe IPL Bankruptcy code for small and medium spot‐fixing. enterprises (SMEs). 30) Justice A.P. Shah committee : to head panel on Note : The committee will prepare a report on road safety. corporate bankruptcy framework for SMEs by 31) Anil Kaushal committeecommittee: to examine the February 2015. recommendations made by the TRAI on pricing of 16) Justice Prabha Sridevan committeecommittee:: to function as Spectrum. a think-tank to help draft a new National 32) BimaBimall Jalan panel : to scrutinize applications for Intellectual Property Rights Policy (National IPR new bank licenses. Policy) 33) Parthasarathi ShomeShome. – for Tax Administration 17) K.V. Kamath panelpanel:: to examine the financial Reform Commission (TARC), Suggest a system to architecture for Micro, Small and Medium enforce better tax compliance. Enterprises (MSME) sector. 34) Kirit Parikh panel : on fuel pricing has suggested 18) Gopalakrishna Committee: on Capacity Building that the diesel prices should be increased by Rs in Banks and non-Banks. 1‐1.50 a litre every month as against the 45‐50 19) G N Bajpai CommitteeCommittee:: to review the investment paise monthly hike followed currently. guidelines for national pension system (NPS) 35) K U.B. Rao : the idea of setting up Bullion Bank or schemes in private sector. Bullion Corporation of India 20) ScientScientistist Raghunath Anant Mashelkar panel: to 36) Suma Verma Committee ‐ to update, and revise recommend best technologies for Prime Minister the Banking Ombudsman Scheme, 2006. Narendra Modi's "Swachh Bharat" national 37) Damodran Committee: on improvement of sanitation campaign. customer services in banks. Note : The terms of reference include achieving 38) Shri M. Narasimham Committee: on Banking Prime Minister Modi's "Swachh Bharat" goals by goals by Sector Reforms. 2019,. 39) Shri Raghuram Rajan Committee: on Financial 21) H R KhKhanan CommitteeCommittee:: to examine the un-claimed Sector Reforms. amount in PPF, Post Office and Savings Schemes. 40) Shri B. Mahapatra Committee: to review the 22) H Devaraj CommitteeCommittee:: reported that most of the existing prudential guidelines on restructuring of deemed universities are not fit for being a advances by banks/financial institutions. university. 41) Shri Aditya Puri Committee: Dissemination of 23) Sivaramakrishnan CommitteeCommittee:: to suggest the Credit Information. place to build the capital city of . 42) Shri K.U.B. Rao Committee: recommended 24) M P BezbaruahBezbaruah: to suggest suitable remedial aligning gold import regulations. measures to address concerns regarding security 43) K M Chandrasekhar committee: for rationalize- of people from North East. tion of foreign investment norms. 25) B. Sambamurthy: panel favours single mobile 44) Shri Pulak Kumar Sinha Committee: to study the banking app on all SIMs. Panel recommended that feasibility of Aadhaar as an additional factor for customers should not be required to visit the bank authentication of card present transactions. branch for mobile number registration. 45) Mukul Mudgal Committee: looking into US giant 26) Vijay Kelkar Committee was appointed by the Walmart's lobbying activities to enter India. Petroleum and Natural Gas Ministry to prepare a 46) MBN Rao Committee: to prepare the blueprint of road map to make India self‐sufficient in oil and India’s first women’s bank natural gas by 2030. 27) Vishnu Sahay committeecommittee: look probe into the Books & Authors: Muzaffarnagar communal violence. 1)1)1) “The Red Sari “ Writen by Javier Moro (About 28) Urjit Patel Committee ‐ to examine the current Mrs.Sonia Gandhi) monetary policy framework

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2)2)2) “The Indian Parliament ––– A Critical Apprisal” 33) Joseph AntonAnton---- Sulman Rushdie (Autobiography). authored by Prof. Sudha Pai and Avinash Kumar. 34) “Khushwantnama“Khushwantnama----TheThe Lessons of My Life “ --- 3)3)3) PM Narendra Modi launched “Born Again on the KhushKhushwantwant singh Mountain” Written by Arunima Sinha. 35) LajjaLajja---- Taslima Nasrim. 4)4)4) “Prince of : The Extraordinary Story of 36) My Unforgettable MemoriesMemories----MamataMamata Banerjee. Prince” released by Gopaldas Desai & authored 37) My Years with Rajiv and Sonia written by by Rajmohan Gandhi. R.D.Pradhan. 5)5)5) Next ChinaChina----IndiaIndia WarWar- World's First Water War – 38) ModiNomicsModiNomics: Inclusive Economics, Inclusive authored by General S. Padmanabhan released. Governance: authored by Sameer Kochhar. 6)6)6) Sachin Tendulkar unveils his autobiography 39) Crusader or Conspirator? Coalgate and otheotherr 'Playing it My Way'. Truths authored by PC Parakh. 7)7)7) “Truth Always Prevails” written by Sadruddin 40) The Accidental Prime Minister: The Making and Hashwani released. Unmaking of Manmohan Singh authored by Dr. 8)8)8) Public Issues Before Parliament --- Vijay Darda. Sanjaya Baru 9)9)9) Ambedkar Awakening India‘s SSocialocial Conscience --- 41) “The Narrow Road to the Deep North” authored Dr. Narendra Jadhav. by Richard Flanagan. 10) Ambedkar Awakening India‘s Social Conscience --- 42) “Untold Story of Indian Public SectorSector” - authored Dr. Narendra Jadhav. by Dr UD Choubey, 11) My country My Life --- L.K.Advani. 43) “AA Man and a Motorcycle, How Hamid Karzai 12) Joseph Anton --- Sulman Rushdie (Autobiography). Came to Power”: written by Bette Dam. 13) The Sahara Testaments --- Tade Ipadeola.  44) “Not Just an Accountant” authored by former 14) Narendra Modi: A Political Biography --- Andy CAG Vinod Rai. Marino. 45) Book “The Vijay Mallya Story” written by K 15) Walking With Giants - G. Ramachandran. Giriprakash. 16) Editor Unplugged ——— Media, Magnates, Netas and 46) And Then One Day: 's Me --- Vinod Mehta. autobiography. 17) Flora of Guntur City Andhra Pradesh --- PR Mohana 47) God of Antarctica written by Yashwardhan Shukla: RaoRao.... 48) “One Life is Not Enough” : written by Kunwar 18) India‘s Growth Resurgence: Sectorial Issues anandd Natwar Singh. Governance Risks --- Yerram Raju. Note: The book is an autobiography of the former 19) M Sitarama Murthy and Singala Subbaiah External Affairs Minister and senior Congress Party leader Natwar Singh. 20) Final Test: Exit Sachin Tendulkar --- Dilip D‘Souza. 49) A book “Munger through the Ages” authored by 21) “Half a Girlfriend” - written by Chetan Bhagat late Devendra Prasad YadaYadav 22) The Substance and the ShadowShadow: written by Uday 50) The Lives of Others” a novel written by: Neel Tara NayarNayar, a former journalist. Mukherjee. 23) WarWarriorrior State written by T V Paul. Note: Novel is short listed for the prestigious Man 24) Blood Feud written by Edward Klein. Booker Prize 2014. 25) A Bad CharacterCharacter: authored by Deepti KapoorKapoor. 51) Books Written By Rabindranath Tagore: 26) The Good, the Bad and the Ridiculous ––– Khuswant  GoraGora,, ChitraChitra,, GitanjaliGitanjali,, VisarjanVisarjan,, GardGardnernerner,, Hungry Singh. StonSton,, Post OfficeOffice,, The CourtCourt,, DancerDancer,, Cresent 27) Train To Pakistan --- Khuswant Singh. MoonMoon,, Ghare Baire 28) An Uncertain Glory: India and its Contradictions ––– 52) Books Written By : JeJeJeanJe an Dreze and Amartya Sen.  My TruthTruth,, Eternal IndiaIndia,, Indira Gandhi on 29) A Brush with LifeLife---- Satish Gujral Peoples & ProblemsProblems,, India 30) A Bend in the riverriver---- V.S. Naipaul. 53) Books Written By Jawaharlal Nehru: 31) God of Small thingsthings---- Arundhati Rai.  Glimpses of World HistoryHistory,, Discovery of IndiaIndia,, 32) Inheritance of LossLoss---- Kiran Desai. Mahatma GandhiGandhi,, An Anthology

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54) Books Written By Dr.B.R.Ambedkar: Largest and the Smallest States/UTs  The Annihilation of CasteCaste,, Who where the Top 5 States/UTs Bottom 5 States/UTs SudrasSudras,, Riddles in HinduismHinduism,, Pakistan or Uttar 19,95,81,477 Lakshadweep 64,429 Partition of IndiaIndia,, History of Indian Currency Pradesh and BankingBanking,, Ranade Gandhi JinnahJinnah,, Thoughts Maharashtra 11,23,72,972 Daman & Diu 2,42,911 on Pakistan Bihar 10,38,04,637 D. & N. 3,42,853 55) Book Wriiten By Mr.Shashi TharoorTharoor: The Great Haveli Indian Novel West Bengal 9,13,47,736 A. & N. 3,79,944 56) Book Wriiten By Mr.Abhinav BindraBindra: A Shot at Islands History Andhra 8,46,65, 533 Sikkim 6,07,688 57) Books Written By Subhash Chandra Bose: Pradesh  The Indian StruggleStruggle,, An Alternative LeadershipLeadership,, Districts Ranked as per Population 2011 Letter to Emiley SchenkelSchenkel,, An Indian Pilgrim 58) Books Written By AbAbAbdulAb dul Kalam : Top 2 Districts Bottom 2 Districts Thane 1,10,54,131 Dibang 7,948  India Wins FreedomFreedom,, Wings of FireFire,, India 20202020----AA (Maharashtra) Valley vision for the new MilleniumMillenium,, Indomitable (AP) SpiritSpirit,, Ignited MindsMinds,, Guiding SoulsSouls,, Spirit of North Twenty 1,00,82,852 Anjaw 21,089 India Four Parganas (AP) 59) Books Written By Dr.S.Radhakrishnan : 59) Dr.S.Radhakrishnan : (West Bengal)  The Hindu view of LifeLife,, An Idea List view of LifeLife,, Indian PhiPhilosophylosophy States/UTs ranked as per % Growth of Population 60) Books Written By C Rajagopalachari: 2011  The Nation’s VoiceVoice,, Reconciliation: Why and Top 2 States/UT Bottom 2 States/UT HowHow,, The Fatal Cart Dadra & 55.50 Nagaland -0.47 61) Books Written By Amartya Sen : Nagar Haveli  Poverty and FaminesFamines,, Development as Freedom Daman & Diu 53.54 Kerala 4.86 62) Book Written By Bhagat Singh: “Why I am an Districts ranked as per % Growth of Population 2011 Athiest” 63) Books Written By KiraKirann Bedi : Top 2 Districts Bottom 2 Districts Kurung Kumey 111.01 Longleng -58.39  It’s Always PossiblePossible,, I Dare (AP) (Nagaland) CENSUS 2011 Yanam 77.15 Kiphire -30.54 (Puducherry) (Nagaland)  Slogan : Our Census, Our Future.  Census 2011 is the 15th Census of India since Population (0(0----66 years) --- 2011 1872. Population  Reference Date: 0:00 Hours of 1 st March 2011 Persons 15,87,89,287

Males 8,29,52,135 Number of Administrative Units in Census 2011 Females 7,58,37,152 States/UTs 353535 Districts 640 States/UTs ranked as per Sex Ratio 2011 Sub-districts 5924 Towns 7936 Top 5 States/UTs Bottom 5 States/UTStates/UTssss Villages 6.41 Lakhs Kerala 1,084 Daman & 618 Note: Atpresent (State 29+ UT 7 = 36) Diu Puducherry 1,038 Dadra & 775 Population Proportion Nagar Persons 1210.2 million (in %) Haveli Males 623.7 million 51.54 * Sex Ratio is defined as the Number of females per Females 586.5 million 48.46 1000 males Sex Ratio : 940

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Districts ranked as per Sex Ratio (0(0----6)6) 2011 Indian Constitutions Top Districts Bottom Districts Indian constitution contains 395 articles in Parts I to Lahul & Spiti 1,013 Jhajjar 774 XXII and 12 schedules. (Himachal (Haryana) Parts of Indian Constitution Pradesh) ARTICLE PART SUBJECT Tawang 1,005 Mahendragarh 778 SSS (Arunachal (Haryana) Parti The Union and its territory Art. 1 to 4 Pradesh) Part II Citizenship Art. 5 to 11 Effective Literacy Rate ---2011-2011 Part III Fundamental Rights Art. 12 to Population 35 Persons 74.04 Part IV Directive Principles Art. 36 to Males 82.14 51 Part Fundamental Duties Art. 51A Females 65.46 IVA PartV The Union Art. 52 to Ranking of States/UTs-States/UTs -LiteracyLiteracy Rate-Rate -20112011 Ranking of States/UTs --Literacy Rate --2011 151 Top 5 States/UTs Bottom 5 States/UTs Part VI The States Art. 152 Kerala 93.91 Bihar 63.82 to 237 Part Repealed by Const. (7th Amendment) Act, 1956 Lakshadweep 92.28 Arunachal 66.95 VII Pradesh Part The Union Territories Art. 239 VIII to 242 Districts ranked as per Literacy Rate 2011 Part IX The Panchayats Art. 243 Top Districts Bottom Districts to 2430 Serchhip 98.76 Alirajpur 37.22 Part The Muncipalities Art. IXA 243Pto (Mizoram) (Madhya 243ZG Pradesh) Part The Co -operative Societies Art. Aizawl 98.50 Bijapur 41.58 IXB 2432H to (Mizoram) (Chhattisgarh) 243ZT PartX The Scheduled and Tribal Areas Art. 244 RaRaRankingRa nking of States/UTs as per Population DensityDensity---- to 244A 2011 Part XI Relations between the Union and the Art. 24 5 States to 263 Top 5 States/UTs Bottom 5 States/UTs Part Finance, Property, Contracts and Suits Art. 264 NCT of Delhi 11,297 Arunachal 17 XII to 300A Pradesh Part Trade, Commerce and Intercourse within Art. 301 Chandigarh 9,252 A. & N. 46 XIII the Territory of to 307 Islands India *Density is defined as the Number of persons per sq. Part Services underthe Union and the States Art. 308 km. XIV to 323 Part Tribunals Art. Districts ranked as per PopuPopulationlation Density 2011 XIVA 323Ato 323B Top Districts Bottom Districts PartXV Elections Art. 324 North East 37,346 Dibang Valley 1 to 329A (NCT of (Arunachal Part Special provisions relating to certain Art. 330 Delhi) Pradesh) XVI classes to 342 Chennai 26,903 Samba 2 Part Official Language Art. 343 (Tamil (Jammu & XVII to 351 Nadu) Kashmir) Part Emergency Provisions Art. 352 XVIII to 360 *Density is defined as the Number of persons per sq. Part Miscellaneous Art. 361 km. XIX to 367 Pa rt Amendment of the Constitution Art. 368 XX

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Part Temporary, Transitional and Special Art. 369  Article 2727- Freedom as to pay taxes for XXI Provisions to 392 promotion of any particular religion. Part Short title, commencement, authoritative Art. 393  Article 2828- Freedom from attending religious XXII text in Hindi and to 395 instruction. repeals V.V.V. Cultural and Educational Rights:Art.29 & art. 30  Fundamental RightsRights:: Originally, constitution  Article 2929- Protection of interest of minorities. provided for 7 basic fundamental rights, now  Article 3030- Right of minorities to establish and there is only six rights, one Right to property U/A administer educational institutions. 31 was deleted from the list of fundamental rights by 44 th amendment act 1978. It made a legal right  Article 323232-32 Remedies for enforcement of U/A 300-A in Part XII of the constitution. Fundamental Rights. I.I.I. Right to Equality:Equa lity: Art. 14 to Art. 18  Fundamental Duties: Part IVIV----AAAA---- Art 51A  Article 1414- Equality before the law. · It contains, originally 10 duties, now it contains 11 duties by 86th amendments act 2002.  Article 1515- Prohibition of discrimination on the grounds of religion, race, caste, sex. Or place  Part 13 : Trade, Commerce and Intercourse within of birth. the territories of India (301(301----307)307)  Article 1616- Equality of opportunity in matters  Article 301301-Freedom to trade, commerce, and of public employment. intercourse.  Article 1717- Abolition of the un-touchability.  Article 302302- Power of Parliament to impose  Article 1818- Abolition of titles restrictions on trade, commerce, and II.II.II. Right to Freedom: Art. 19 to art. 22 intercourse.  Art.19 guarantees to all the citizens the six  Part 18 : Emergency (352(352----360)360) rights  Article 352352- Proclamation of emergency ( a) Right to freedom of speech and expression. National Emergency). b) Right to assemble peacefully and without arms.  Article 356356- State Emergency (President’s Rule) c) Right to form associations or unions.  Article 360360- Financial Emergency d) Right to move freely throughout the  The borrowed features of constitution from territory of India. different countriescountries.... e) Right to reside and settle in any part of the territory of India.  From U.K.U.K.---- f) Right to practice any profession or to carry • Nominal Head President (like Queen) on any occupation, trade, and business. • Cabinet System of Ministers  Article 2020- Protection in respect of conviction • Post of PM for offences. • Parliamentary Type of Govt.,  Article 2121-Protection of life and personal • Bicameral Parliament liberty. • Lower House more powerful  Article 2222- Protection against arrest and • detention in certain cases. Council of Ministers responsible to Lowe House III.III.III. Right against Exploitation: Art.23 & art. 24 •  Article 2323- Prohibition of traffic in human Speaker in Lok Sabha. beings and forced labour.  From UU....SSSS.. –––  Article 2424- Prohibition of employment of • Written Constitution children in factories and mines. Under age of • Executive head of state known as 14. President and his being the Supreme IV.IV.IV. Right to Freedom of Religion: Art.25 to art. 28 Commander of the Armed Forces  Article 2525- Freedom of conscience and free • Vice- President as the ex-officio Chairman profession , practice and propagation of of Rajya Sabha religion. • Fundamental Rights  Article 262626-26 Freedom to manage religious • Supreme Court affairs.

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• Provision of States 8)8)8) 8th Five Year Plan (1992(1992----97)97) - Employment • Independence of Judiciary and judicial Generation, Control of Population review 9)9)9) 9th Five Year Plan (1997(1997----02)02) - Growth Rate of 7 • Preamble percent • Removal of Supreme court and High court 10) 10th Five year Plan (2002(2002----07)07) - Self employment Judges and resources and development  From USSR ––– 11) 11th Five Year Plan (2007(2007----12)12) - Comprehensive • Fundamental Duties and faster growth • Five year Plan 12) 12th Five Year plan (2012(2012----17)17) - Improvement of  From AUSTRALIA Health, Education and Sanitation. Main Theme • Concurrent list of 12th Five year Plan “Faster, Sustainable & • Language of the preamble more inclusive growth". • Provision regarding trade, commerce and intercourse List of Revolutions  From JAPAN 1)1)1) Black ReRevolutionvolution – Petroleum Production • Law on which the Supreme Court function 2)2)2) BlBlBlueBl ue Revolution – Fish Production  From WEIMAR CONSTITUION OF GERMANY 3)3)3) Brown Revolution – Leather/non- conventional(India)/Cocoa production • Suspension of Fundamental Rights during the emergency 4)4)4) Golden Fibre RevolRevolututututionionionion – Jute Production  From CANADA 5)5)5) Golden Revolution – Fruits / Overall Horticulture development/Honey Production • Scheme of federation with a strong centre 6)6)6) Green Revolution – Food grains • Distribution of powers between centre and the states and placing. Residuary Powers 7)7)7) Grey Revolution – Fertilizer with the centre 8)8)8) Pink Revolution – Onion  From IRELAND production/Pharmaceutical (India) /Prawn production • Concept of Directive Principles of States Policy(Ireland borrowed it from SPAIN) 9)9)9) Red RevoluRevolutiontion – Meat & Tomato Production • Method of election of President 10) Round Revolution – Potato • Nomination of members in the Rajya 11) SilSilSilverSil ver Fiber Revolution – Cotton Sabha by the President 12) Silver RevoluRevolutiontion – Egg/Poultry Production 13) White Revolution (In India: Operation FFlood)lood) – FIVE YEAR PLANS IN Milk/Dairy production INDIA : 14) Yellow RevRevolutionolution – Oil Seeds production 15) Evergreen Revolution – Overall development of 1)1)1) 1st Five Year Plan (1951(1951----56)56) - Priority of 15) Evergreen Revolution Agriculture Agriculture 2)2)2) 2nd Five Year Plan (1956(1956----61)61) - Priority of Border of World Countires Industries Sector 1)1)1) ReReRedcliffRe dcliff Line: India and Pakistan. 3)3)3) 3rd Five Year Plan (1961(1961----66)66) - Self Reliance 2)2)2) Mc. Mohan Line: India and China. 4)4)4) 4th Five Year Plan (1969(1969----74)74) - Removal of Poverty, Growth with Justice 3)3)3) Line of ControlControl:::: It divides Kashmir between India and Pakistan. 5)5)5) 5th Five Year Plan (1974(1974----79)79) - Removal of Poverty and Self reliance 4)4)4) Durand Line: Pakistan and Afghanistan. 5) Hidden berg Line: Germany and Poland. 6)6)6) 6th Five Year Plan (1980(1980----85)85) - The emphasis 5)5) same as 5th Plan 6)6)6) Older Neisse Line: Germany and Poland. 7)7)7) 7th Five Year Plan (1985(1985----90)90) - Food Production, 7)7)7) Maginot Line: France and Germany. Employment, Productivity

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8)8)8) Mannerheim LineLine:::: Russia and Finland border.  H-2A, Hayabusa 2, ASNARO 1 ––– Japan 9)9)9) Siegfried Line : Germany and France.  ASTRA 2G --- Luxembourg 10) 17th Parallel: North Vietnam and South 2)2)2) Missiles in use of Indian Army: Vietnam.  Prithvi I - 150km (SurfaceSurface to ––– Surface short 11) 24th Parallel : India and Myanmar. range ballistic missile) 12) 26t26thh ParaParallelllel : Australia & South Africa.  Prithvi II - 350km  Prithvi III - 350km - 600km 13) 38th Parallel: North Korea and South Korea.  Agni I - 700km -1250km (SurfaceSurface to ––– Surface 14) 49th Parallel: Canada and USA short range ballistic missilmissile)e)e)e) Power & Infrastructure  Agni II - 2000km -3500km  Agni III - 3500km -5000km ATOMIC POWER PLANTS  Agni IV - 3000km -4000km 1)1)1) Narora atomic power plant ‐‐‐ Narora, UP  Agni V - 5500km -5800km 2)2)2) Rajasthan atomic power plant: Rawatbhatta, Rajasthan  Agni VI - 8000km -3500km 3)3)3) Tarapur atomic power plant ‐ Maharashtra  Akash- 30 km 4)4)4) Kakarpar atomic power plant ‐ Gujarat Important in India: 5)5)5) Madras atomic power plant ‐ Tamilnadu : on Bhagirathi River, Uttarakhand. 6)6)6) Kaiga atomic power plant ‐ Karnataka 1)1)1) Tehri Dam: 7)7)7) Kundankullam : Tamil Nadu 2)2)2) Bhakra nangal Dam: on Sutlej River, Punjab and Himachal Pradesh. 8)8)8) Gorakhpur Atomic: Haryana THERMAL POWER PLANTS 3)3)3) : on River, Orissa. 1)1)1) Mundra Thermal Power Station: Gujarat 4)4)4) : on River, Andhra 2)2)2) Vindhyachal Thermal Power Station: . Pradesh 5)5)5) : on , Gujarat 3)3)3) Mundra Ultra Mega Power Plant: Gujarat. 6)6)6) Mullaperiyar: Kerala-Tamil Nadu border 4)4)4) Talcher Super Thermal Power Station: Odisha. 7)7)7) Indirasagar Dam: on Narmada River, Madhya 5)5)5) Sipat Thermal Power Plant: Chhattisgarh. Pradesh 6)6)6) NTPC Dadri: Uttar Pradesh. 8)8)8) TungabTungabadraadra dam: Tungabhadra River, Karnataka 7)7)7) NTPC Ramagundam, Andhra Pradesh. 9)9)9) Bhavanisagar Dam: Bhavani River, Tamil Nadu. 8)8)8) Korba Super Thermal Power Plant: Chattisgarh. 10) Koyna Dam: on Koyna River, Mahaastra 9)9)9) Rihand Thermal Power Station: Uttar Pradesh. 11) Idukki Dam: Kerala 10) Jharsuguda Thermal Power Plant: Odisha 12) Krishna Raja Sagar Dam: on Kaveri River, DefenceDefence,, Science & Technology Karnataka 13) Mettur Dam: on Kaveri River, Tamilnadu 1)1)1) Name of Satellite & Country 14) Srisailam Dam: on Krishna River, Andhra Pradesh  Angara A5 ––– RRRussiaRussia 15) Banasura Sagar Dam: Kerala  Arianespace Soyuz --- America 15)  Ariane 5 ES ––– European Space Agency 16) Cheruthoni Dam: on Cheruthoni River, Kerala  SPOT 7 ––– French 17) Bisalpur Dam: On , Rajasthan  AISAT --- Germany 18) Maithon Dam: On Barakar River, Jharkhand  NLS7.1(CAN-X4), NSL7.2 (CAN-X5) ––– Canada 19) Rihand Dam: On Rihand River, Uttar Pradesh  VELOX-1 --- Singapore  Atlas 5, Delta 4, SpaceX Falcon 9 --- USUSUS Important Wildlife Sanctuary in  CBERS 4, March 3C ––– China India:

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1)1)1) Mudumalai Sanctuary ––– Nilgiris (Tamilnadu) 29) The Great Himalayan National Park --- mountain peaks Kullu (Himachal Pradesh) 2)2)2) Periyar Sanctuary ––– Idduki (Kerala) 30) Corbett National Park ––– Nainital (Uttarakhand) 3)3)3) Silent Valley National Park ––– Palakkad, (Kerala) 30) 31) Rajaji National Park ––– Dehradun, (Uttarakhand) 4)4)4) Chinnar Wildlife Sanctuary --- Western Ghats 31) (Kerala) 32) Dachigam National Park ––– Srinagar (Jammu & Kashmir) 5)5)5) Ghatprabha Bird Sanctuary ––– Belgaum (Karnataka) 33) Rani Jhansi Marine National Park ––– Andaman & 6)6)6) Nagarhole National Park --- (((Karnataka)(Karnataka) 33) Nicobar Islands 7)7)7) Bandipur National Park ––– Mysore (Karnataka) 34) Campbell National Park ‐ Andaman & Nicobar 8)8)8) Dandeli Wildlife Sanctuary --- (Karnataka) Islands 9)9)9) Nelapattu Bird Sanctuary ––– Nellore (Andhra 35) Galathea National Park ––– Andaman & Nicobar Pradesh) Islands 10) Tadoba Andhari Tiger Reserve --- Chandrapur 36) Mahatma Gandhi Marine National Park ––– (Maharashtra) Andaman & NicNicobarobar Islands 11) Bandhavgarh National Park ––– Shahdol (Madhya Headquarter of International Pradesh) Organisation 12) Kanha National Park ––– Mandla (Madhya Pradesh) 1)1)1) UNO ‐ New York 13) Pench National Park --- (Madhya Pradesh) 2)2)2) UNICEF ‐ New York 14) Panna National Park --- (Madhya Pradesh) 3)3)3) UNFPA ‐ New York 15) Hazaribagh National Park ––– Hazaribagh (Jharkhand) 4)4)4) UNESCO – Paris 16) Gir National Park and Sasan Gir Sanctuary ––– 5)5)5) WHO – Geneva Junagarh (Gujarat) 6)6)6) WTO – Geneva (Switzerland) 17) Nal Sarovar Bird Sanctuary ––– 7)7)7) World Meteorological Organisation ‐ Geneva (Gujarat) 8)8)8) United Nations Conference on Trade and 18) Sariska National Park --- Alwar (Rajasthan) Development (UNCTAD) ––– Geneva 19) Ranthambore Tiger Sanctuary ––– Sawai Madhopur 9)9)9) International Committee of the Red Cross ––– (Rajasthan) Geneva 20) Keoladeo Ghana National Park ––– Bharatpur 10) World Bank ‐ Washington D.C (Rajasthan) 11) IMF ‐WashingtonWashington DC 21) Chandraprabha Sanctuary ––– Varanasi (Uttar 12) SAARC – Kathmanduathmandu Pradesh) 13) ADB ‐ Manila 22) Dudwa National Park ––– Lakhimpur Kheri (Uttar Pradesh) 14) International Atomic Energy Agency ––– Vienna 23) Sundarbans Tiger Sanctuary ––– 24Paraganas 15) Organization of the Petroleum Exporting (West Bengal) Countries ––– (OPEC) Vienna (A(Austria)ustria) 24) Vikramshila Gangetic Dolphin Sanctuary ––– 16) United Nations Industrial Development Bhagalpu (Bihar) Organization (UNIDO ) ––– Vienna 25) Simlipal Tiger Sanctuary ––– Mayurbhanj (Odisha) 17) Amnesty International – London 26) Gahirmatha Turtle Sanctuary ––– Kendrapara 18) Commonwealth of Nations ––– London (Odisha) 19) International Maritime Organisation– London 27) Kaziranga National Park ––– Golaghat/Nagaon 20) Association of South East Nations (ASEAN) ––– (Assam) Jakarta (Indonesia) 28) Manas Tiger Sanctuary ––– Barpeta (Assam)

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21) NATO (North Atlantic Treaty Org)––––BrusselsBrussels 11) Bihu: Assam. (Belgium) 12) Bharat Natyam: Tamil Nadu. 22) Asia‐Pacific Economic Cooperation (APEC) – 22) 13) Kuchipudi: Andhra Pradesh. Singapore 14) Kathakali: Kerala. 23) International Court Of Justice ‐ The Hague (Netherland) 15) Chhau: Orissa, Bihar and West Bengal. 24) Food and Agricultural Organisation ––– Rome 16) RaufRauf:: Jammu & Kashmir (France) BBBANKINGBANKING (1 ststst IN INDIA) Sports  1st Indian bank to Get ISO : Canara Bank  1st Governor of RBI : Mr. Osborne Smith CUPS & TROPHIES:  1st Indian governor of RBI : Mr. C D 1)1)1) Hockey: Azlan Shah Cup, Asia Cup, Champions Deshmukh(3rd RBI governer) Trophy, Agha Khan Cup, Lal Bahadul Shastri Cup, MCC Trophy, Nehru Trophy, Dhyan Chand  1st Bank to Introduce ATM in India: HSBC Trophy, Johar Cup.  1st Bank to Introduce Talking ATM in IndiaIndia:::: UBI 2)2)2) Cricket: Asia Cup, Ashes, Champions Trophy, (Union Bank of India) for Visually Impaired. Sharjah Cup, C. K. Naydu Trophy, Deodhar Trophy,  1st Bank to introduce saving Bank in India : Dilip Trophy Gavaskar Border Trophy, lrani Trophy, Presidency bank Ranji Trophy, Rohinton Baria Trophy, Singer Cup,  1st Bank to Introduce Cheque system in India : Sahara Cup, Vijay Merchant Trophy, Wills Trophy. Bengal Bank 3)3)3) Football: FIFA World Cup, Merdeka Cup, D. C. M.  1st Bank to introduce Internet Banking : ICICI Cup, Durand Cup, Rovers Cup, Santosh Trophy, BANK Subroto Cup.  1st Bank to introduce Mobile ATM : ICICI Bank 4)4)4) Lawn Tennis: Australian Open, Davis Cup, French Open.  1st Bank to introduce Mutual Fund : State Bank of India 5)5)5) Table Tennis (Women): Corbitton Cup 6)6)6) Badminton (Women): Uber Cup  1st Bank to introduce Credit Card : Central Bank of India 7)7)7) Badminton (Men): Thomas Cup  1st Foreign Bank : Comptoire d’Escompte de Paris 8)8)8) Horse Race: Derby of France 9)9)9) Golf: Ryder Cup  1st Bank Set Up in India : Bank of Hindustan in 10) Rowing: Wellington Trophy 1770 Dances in India  1st Joint Stock Bank of British India : State Bank of India FOLK DANCES IN INDIA  1st Joint Stock Bank of India : Allahabad Bank 1)1)1) Bhangra: Punjab.  1st Bank that is oldest Public Bank in India : 2)2)2) Changu: Odissa and Andhra Pradesh. Allahabad Bank 3)3)3) Gair: Rajasthan.  1st national bank merging : PNB & New Bank of India in 1993 4)4)4) Garba: Gujarat.  1st Indian bank to opopenen branch outside India : 5)5)5) Ghoomar: Rajasthan. Bank of India 6)6)6) Karagam: Tamil Nadu.  1st fully Indian Bank : Punjab National Bank 7)7)7) Dumhal: Kashmir.  First RRB : Prathama Grameen Bank by Syndicate 8)8)8) Lavani: Maharashtra. Bank 9)9)9) Odissi: Orissa Banks --- Tag Lines CLASSICAL DANCES IN INDIA 1)1)1) SBI --- With you all the way, Pure Banking Nothing 10) Kathak: Uttar Pradesh. Else, The Nation’s banks on us.

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2)2)2) State Bank of HyderHyderabadabad ––– You can always bank Important Insurance Terms: on us.  HQ & Head 3)3)3) State Bank of Mysore --- Working for a better Head Head Company tomorrow Quarters (MD(MD/CHAIRMAN)/CHAIRMAN) 4)4)4) State Bank of Patiala ––– Blending Modernity with IRDAI Hyderabad T.S.Vijayan Tradition. GIC A.K.Roy 5)5)5) State Bank of Travancore --- A long Tradition of LIC Mumbai S.K.Roy Trust. The New India Mumbai G.Srinivasan 6)6)6) Allahabad Bank --- A Tradition of Trust. Assurance Co. Ltd., National Insurance Kolkata A.V. Girija Kumar 7)7)7) Andhra Bank ––– Where India Banks. Company Ltd 8)8)8) Bank of Baroda --- India’s International Bank. United India Chennai Milind Kharat Insurance Co. Ltd 9)9)9) Bank of India --- Relationship beyond banking. Oriental Insurance New Delhi A.K.Saxena 10) Bhartiya Mahila Bank ––– Empowering Women. Company Ltd 11) Bank of Maharashtra --- One family one bank. Agriculture Insurance Comp- New Delhi Joseph Plappallil J 12) Canara Bank ––– Together We Can. any of India Ltd. 13) Central Bank of India ––– “Central To you Since Export Credit Gua- 1911”. rantee Corpora- Mumbai N.Shankar 14) Corporation Bank ––– A Premier Public Sector tion of India Bank. National Insurance Pune 15) Dena Bank --- Trusted Family Bank. Academy Insurance Institute Mumbai 16) ECGC Bank ––– You focus on exports. We cover the of India risks. Institute of 17) IDBI Bank ––– Banking For All, “Aao Sochein Bada”. Insurance and Risk Hyderabad

Management 18) Indian Bank ––– Your Tech- Friendly Bank. 19) Indian OverseOverseasas Bank ––– Good people to grow  Insurance Acts with.  National Insurance Act - 1911 20) Punjab National Bank --- The name you can bank  The Insurance Act – 1938 upon.  The Life Insurance Corporation Act – 1956 21) Punjab & Sind Bank ––– Where service is a way of  General Insurance Business Act - 1972 life.  The IRDA Act – 1999 22) Oriental Bank of Commerce ––– Where every  The Insurance Laws (Amendment) Ordinance – individual is committed. 2014 23) UCO Bank ––– Honours Your Trust.  The Insurance Laws (Amendment) Act – 2015 24) Union Bank of India ––– Good People to Bank with.  Total Insurance Companies 25) United Bank of India ––– The Bank that begins with  Life Insurance Companies – 24 “U”.  General Insurance Companies – 28 26) Vijaya Bank --- A friend you can bank on.  Re-Insurer - 1 27) Axis Bank ––– Badhti Ka naam Zindagi.  Insurer: The Insurance Company (or) To whom the risk has transferred. 28) ICICI Bank ––– Hum Hai Na, Khyal Apka.  Insured: Policy Holder (or) Who is transferring the 29) HDFC Bank --- We understand your world indeed. risk to the Insurance Company. 30) Yes Bank ––– Experience our Expertise.  Principles of General Insurance 31) HSBC --- The world’s local bank 31)  Utmost Good Faith

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 Insurable Interest Co-Insurance, Insured deciding to distribute his risk to the Insurance companies proportionately.  Indemnity  Subrogation ImporImportanttant Economic & Banking  Contribution Terms:  Proximate Cause  Bond: A certificate of debt (usually interest-  Assignment bearing or discounted) that is issued by a  Agent: The Agent is intermediary between the government or corporation in order to raise insurance company and the insured.An Agent is money; the bond issuer is required to pay a fixed a person who is licensed from IRDA. sum annually until maturity and then a fixed sum  Agent can serve for only one Life Insurance to repay the principal. company & One General Insurance Company.  Balance sheet: Record of the financial situation of  Insurance broker: Insurance broker is a an institution on a particular date by listing its specialist in insurance and risk assets and the claims against those assets. management.Brokers act on behalf of their  Balance of trade - The part of a nation's balance of clients and provides advice in the interests of payments that deals with merchandise (or visible) their clients. imports or exports.  Insurance Broker can serve for more than  Closed economy: A closed economy is one in one life & General Insurance company. which there are no foreign trade transactions or  BaBaBankBa nk Assurance: Banccasurance means selling any other form of economic contacts with the rest of insurance products through banks. of the world.  Actuary: A person with expertise in the fields of  Deflation: Deflation is the continuous decrease in economics, statistics and mathematics, who prices of goods and services. Deflation occurs helps to calculate the Insurance premiums when the inflation rate becomes negative (below based on the risk factor. zero) and stays there for a longer period.  Actuarial science : Actuarial science is the  Debenture: Debenture is a loan issued by a firm, discipline that applies mathematical and involving g a fixed repayment schedule, in terms statistical methods to assess risk in insurance. of both time and interest.  TPA: TPAs (Third Party Administrators) are a  Debit: Money paid out from an account either vital link between health insurance companies, from a withdrawal or a transaction that result in policyholders and Hospitals. decreasing the cash balance.  Reinsurance: An Insurance Company reducing  EquityEquity: Equity is a one financial instrument by their risks through taking Insurance for avoiding which company invite the public to invest their excess of their risks. money in the company and investor can become a  Re-Insurer: Re-Insurer is an Insurer of partner of the company. Generally, when the Insurance Company. company have insufficient money to expand its business it comes with equity shares.  GIC is the only Re-Insurer in India.  Economic growth --- An increase in the total output  Co-Insurance: Co-Insuracne is, 2 or more of a nation over time. Economic growth is usually Insurance companies sharing the premium of measured as the annual rate of increase in a the single risk. nation's real GDP  Co-Insurer: Co-Insurer is One Insurance  Excise Tax - Taxes imposed on specific goods and Company sharing the risk with another Insurance Company proportionately. services, such as cigarettes and gasoline.  Exports --- Goods or services produced in one  Difference Between Re-Insurance & Co- Insurance: nation but sold to buyers in another nation.  Fiscal policy: Fiscal policy defines the use of  Re-Insurance is taken by the Insurance government spending and revenue collection to company, when the Co-Insurance is taken by the Insured(Policy Holder). influence the economy.  Foreign Direct Investment (FDI(FDI): Investment of Sharing – In Re-Insurance, Insurance Company foreign assets directly into a domestic company's deciding to Re-Insure on excess of their limit, In structures, equipment, and organizations. It does

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not include foreign investment into the stock  Indirect Tax: This type of tax is not paid by markets someone to the authorities and it is actually  Foreign Exchange (FOREX): Foreign Exchange passed on to the other in the form of increased (FOREX) is the arena where a nation's currency is cost. They are levied on goods and services exchanged for that of another. produced or purchased. Excise Tax, Sales Tax, Vat, Entertainment tax are indirect taxes.  GDP: GDP stands for Gross Domestic Product. It is a method of measuring the size of economy of a  Foreign Exchange Market : Foreign exchange country. We can define as the total market value market is the place where the financial institutions of all the goods and services produced in a given of different countries come and exchange the period of time in a country. currencies in a defined manner and set rates. In forex market the deals of currencies are done and  GNP: The total value in money of all finished good in turn it defines the value of one currency in and services produced in an economy in one full comparison to the other. A foreign investor (FII or year, and all net property income from abroad. FDI) is a major source of foreign currency in India. The GNP growth rate is an important economic indicator for country's economic development.  NOSTRO Account: A Nostro account is maintained by an Indian Bank in the foreign countries.  Imports: commodities (goods or services) bought from a foreign country.  VOSTRO Account: A Vostro account is maintained by a foreign bank in India with their  Inflation: Inflation is as an increase in the price of corresponding bank. bunch of Goods and services that projects the Indian economy. An increase in inflation figures  SDR (Special Drawing Rights): SDR are new form occurs when there is more demand and less of International reserve assets, created by the supply of the goods. International Monetary Fund in 1967. The value of SDR is based on the portfolio of widely used  Mutual Fund: There are accumulation and countries and they are maintained as accounting collection of many different types of shares. It is entries and not as hard currency or physical assets when investors together want to buy securities as like Gold. a group, this fund can be called a mutual fund. Each and every investor of this group has a  BONDBOND: Publicly traded ling term debt securities proportional stake in the shares based on the issued by corporations and governments, whereby amount he has contributed. the issuer agrees to pay a fixed amount of interest over a specified period of time and to repay a  Monetary policypolicy: It is the process by which the fixed amount of principal maturity. central bank, or monetary authority of a country controls (i) the supply of money, (ii) availability of  CRAR(Capital to Risk Weighted Assets Ratio): money, and (iii) cost of money or rate of interest. Capital to risk weighted assets ratio is arrived at by dividing the capital of the bank with aggregated  National income - The amount of aggregate risk weighted assets for credit risk, market risk and income earned by suppliers of resources operational risk. employed to produce GNP; net national product plus government subsidies minus indirect business  Sales tax - Taxes paid on the goods and services taxes. people buy.  Per Capita Income: The total national income  Stock --- A certificate reflecting ownership of a divided by the number of people in the nation, It corporation. means the share of each individual when the  Tax: A fee charged by a government on a product, income from the productive activities is divided income, or activity. If tax is levied directly on equally among the citizens. personal or corporate income, then it is a direct  Fiscal Deficit: A deficit in the government budget tax. If tax is levied on the price of a good or of a country and represents the excess of service, then it is called an indirect tax. expenditure over income. So this is the amount of  VAT: VAT is the indirect tax on the consumption of borrowed funds require by the government to the goods, paid by its original producers upon the meet its expenditures completely. change in goods or upon the transfer of the  Direct TTax:ax: A direct tax is that which is paid directly goods to its ultimate consumers. It is based on the by someone to taxing authority. Income tax and value of the goods, added by the transferor. It is property tax are an examples of direct tax. They the tax in relation to the difference of the value are not shifted to somebody else. added by the transferor and not just a profit. All

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over the world, VAT is payable on the goods and transit, lowers the cost of collection of cheques, services as they form a part of national GDP. and removes reconciliation‐related and logistics  Wholesale Price Index (WPI): The Wholesale Price ‐ related problems, thus benefitting the system Index (WPI) takes into account the wholesale as a whole. prices of identified commodities for calculating  Bancassurance: The sale of insurance and other rate of inflation. similar products through a bank. This can help the  IFSC (Indian Financial System Code): consumer in some situations; for example, when a bank requires life insurance for those receiving a i.i.i. Indian Financial System Code is an mortgage loan the consumer could purchase the alpha‐numeric code that uniquely identifies a insurance directly from the bank. bank‐branch participating in the NEFT system.  Banking Ombudsman Scheme 2006: ii.ii.ii. This is an 11 digit code with the first 4 alpha i. The Banking Ombudsman Scheme enables an characters representing the bank, The 5th expeditious and inexpensive forum to bank character is 0 (zero).and the last 6 characters customers for resolution of complaints relating representing the bank branch. to certain services rendered by banks. iii.iii.iii. IFSC is used by the NEFT system to identify the ii. The Banking Ombudsman is a senior official originating / destination banks / branches appointed by the Reserve Bank of India to and also to route the messages appropriately redress customer complaints against deficiency to the concerned banks / branches. in certain banking services. For ex: SBIN00SBIN00009940099400994: iii. All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary i. First 4 character SBIN – refers to State Bank Co‐operative Banks are covered under the of India. Scheme. ii. 0 is a control number. Other Important Points: iii. last six characters (((000994(000994000994) represents the i.i.i. The complainant can be filed by one’s SBI branch Sankari, Salem District. authorized representative (other than an  MICR (Magnetic Ink Character Recognition) advocate). i.i.i. MICR Code is a 9 numeric digit code which ii.ii.ii. The Banking Ombudsman does not charge any uniquely identifies a bank branch fee for filing and resolving customers’ participating in the ECS Credit scheme. complaints. MICR code consists of 9 digits e.g 400229128 iii.iii.iii. The amount, if any, to be paid by the bank to i. First 3 digits represent the city (400) the complainant by way of compensation for ii. Next 3 digits represent the bank (229) any loss suffered by the complainant is limited iii. Last 3 digits represent the branch (128) to the amount arising directly out of the act or omission of the bank or Rs 10 lakhslakhs, whichever The MICR Code allotted to a bank branch is is lower. printed on the MICR band of cheque leaves issued by bank branches. iv.iv.iv. The Banking Ombudsman may award compensation not exceeding Rs 1 lakh to the  Cheque Truncation: complainant only in the case of complaints i. Truncation is the process of stopping the flow of relating to credit card operations for mental the physical cheque issued by a drawer at some agony and harassment. point with the presenting bank en‐route to the v.v.v. If a complaint is not settled by an agreement drawee bank branch. within a period of one monthmonth, the Banking ii. In its place an electronic image of the cheque is Ombudsman proceeds further to pass an award. transmitted to the drawee branch by the Before passing an award, the Banking clearing house, along with relevant information Ombudsman provides reasonable opportunity like data on the MICR band, date of to the complainant and the bank, to present presentation, presenting bank, etc. their case. iii. Cheque Truncation speeds up the process of vi.vi.vi. If one is not satisfied with the decision passed collection of cheques resulting in better service by the Banking Ombudsman, one can approach to customers, reduces the scope for the appellate authority against the Banking clearing‐related frauds or loss of instruments in

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Ombudsmen’s decision. Appellate Authority is iii.iii.iii. There is no requirement for any initial deposit vested with a Deputy Governor of the RBI. for opening a BSBDA. vii.vii.vii. If one is aggrieved by the decision, one may, iv.iv.iv. Banks should offer the ATM Debit Cards free within 30 days of the date of receipt of the of charge and no Annual fee should be levied award, appeal against the award before the on such Cards. appellate authority. v.v.v. In BSBDA, banks are required to provide free of viii. The appellate authority may, if he/ she is charge minimum four withdrawals, through satisfied that the applicant had sufficient cause ATMs and other mode including for not making an application for appeal within RTGS/NEFT/Clearing/Branch cash time, also allow a further period not exceeding withdrawal/transfer/internet debits/standing 30 days. instructions/EMI etc.  BASIC SAVING BANK DEPOSIT ACCOUNT: vi.vi.vi. The Uniform rate of interest rates set by Under the guidelines issued on August 10, 2012 individual banks are applicable on the domestic by RBI: Any individual, including poor or those savings deposit will be determined on the basis from weaker section of the society, can open zero of end‐of‐day balance in the account. balance account in any bank. BSBDA guidelines vii.vii.vii. The normal saving bank account can be are applicable to "all scheduled commercial banks converted into BSBDA at the request of in India, including foreign banks having branches customer. in India". All the accounts opened earlier as BSBDA‐Small Accounts would be subject to the 'no‐frills' account should be renamed as BSBDA. following Banks are required to convert the existing conditions: 'no‐frills' accounts’ into 'Basic Savings Bank Deposit Accounts'. i.i.i. Total credits in such accounts should not exceed 1 lakh rupees in a year. The 'Basic Savings Bank Deposit Account' should be considered as a normal banking service ii.ii.ii. Maximum balance in the account should not available to all customers, through branches . The exceed 50,050,00000 Rs at any time aim of introducing 'Basic Savings Bank Deposit iii.iii.iii. The total of debits by way of cash Account' is very much part of the efforts of RBI for withdrawals and transfers will not exceed furthering Financial Inclusion objectives. 10,000 rupees in a month Main Points of the BSBDA: iv.iv.iv. Foreign remittances cannot be credited to i.i.i. An individual is eligible to have only one 'Basic Small Accounts without completing normal Savings Bank Deposit Account' in one bank. KYC formalities ii.ii.ii. Holders of 'Basic Savings Bank Deposit Account' v.v.v. Small accounts are valid for a period of 12 will not be eligible for opening any other savings months initially which may be extended by account in that bank. If a customer has any other another 12 months if the person provides existing savings account in that bank, he / she proof of having applied for an Officially Valid will be required to close it within 30 days from Document. the date of opening a 'Basic Savings Bank vi.vi.vi. Small Accounts can only be opened at CBS Deposit Account'. linked branches of banks or at such branches where it is possible to manually monitor the Note: While opening the BSBDA customers’ fulfillments of the conditions. consent in writing be obtained that his existing  NPA’s (Non Performing Assets): non‐BSBDA Savings Banks accounts will be i.i.i. A mortgage in default would be considered closed after 30 days of opening BSBDA and non-performing, after a prolonged period of banks are free to close such accounts after 30 non-payment(90 days). ii. The lender will force days. the borrower to liquidate any assets that were i.i.i. One can have Term/Fixed Deposit, Recurring pledged as part of the debt agreement. If no Deposit etc., accounts in the bank where one assets were pledged, the lenders might write- holds 'Basic Savings Bank Deposit Account'. off the asset as a bad debt and then sell it at a ii.ii.ii. Banks are advised not to impose restrictions discount to a collections agency. like age and income criteria of the individual for opening BSBDA.

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ii.ii.ii. Debt recovery tribunal (DRT- A court for such v.v.v. States will get one-year time to implement the cases) – A person whose account is declared as provisions of Goods and Services Tax (GST) NPA. after introduction of the new indirect tax iii.iii.iii. SARFAESI ACT - In 20022002, Govt. gave bank’s a regime from 1st April 2016. lifeline called as SARFAESI Act (Securitization and Reconstruction of Financial Assets and ABBREVIATIONSSS Enforcement of security interest Act). 1)1)1) ALM‐ Asset Liability Management With this Act bank has the power to take 2) AML – Anti Money Laundering possession of the owner’s mortgaged property 2)2) or can transfer this to some other ownership. 3)3)3) KYC – know Your Customer iv.iv.iv. Procedure for using the acquired property: 4)4)4) ASBA: Application Supported by Blocked Amount • Bank can use this for their own purpose like 5)5)5) BSBDA ‐ Basic Savings Bank Deposit Account , opening a new branch on it, installing of ATM’s etc. 6)6)6) IFSC – Indian Financial System Code • Bank can advertise in newspapers for the 7)7)7) CBS: Core Banking Solution auction of the property acquired and could 8)8)8) RTGS ‐ Real Time Gross Settlement auction them on any pre decided day. • Bank can sell the property to ARC (Asset 9)9)9) SLR‐Statutory Liquidity Ratio Reconstruction Company), these are 10) CAR – Cash Adequacy Ratio registered companies under RBI, they buy MSF‐Marginal Standing Facility such assets from banks and sell them at 11) higher prices to gain profits. 12) NBFC‐Non Banking Finance Companies  Goods and Services Tax: 13) PIN-Personal Identification Number i.i.i. It is an indirect tax that will lead to the 14) CCEA – Cabinet Committee on Economic Affairs abolition of all other taxes such as, central sales tax, state-level sales tax, excise duty, service tax, 15) CECA ‐ Comprehensive Economic Cooperation and value-added tax (VAT). Both the state and Agreement the central governments will impose GST on 16) CEPA – Comprehensive Economic Partnership almost all goods and services produced in India Agreement or imported into the country. 17) DTAA – Double Taxation Avoidance Agreement ii.ii.ii. Exports will not be subject to GST. Direct taxes, such as income tax, corporate tax and capital 18) ECBs ‐ External Commercial Borrowings gains tax will not be affected. It will simplify 19) EEFC ‐ Exchange Earner's Foreign Currency India's tax structure, broaden the tax base, and 20) EFSF – European Financial Stability Facility create a common market across states. This will lead to increased compliance and increase 21) FEMA‐ Foreign Exchange Management Act India's tax-to-gross domestic product ratio. 22) FII – Foreign Institutional Investor.

iii.iii.iii. The highest rate of taxation under GST will be 23) FINO‐ Financial Inclusion Network Operation around 15 per cent in the first year, and eventually come down to 12 per cent in the 24) FIPB – Foreign Investment Promotion board second year. By comparison, the current rate of 25) FSLRC – Financial Sector Legislative Reforms the various indirect taxes levied in India Commission amounts to roughly 20 per cent. Goods 26) CRAR: Capital to Risk‐weighted Assets Ratio deemed necessary or of basic importance will be taxed at a lower rate. 27) SWIFT: Society for Worldwide Interbank Financial iv.iv.iv. The GST can be implemented only through a Telecommunication Constitutional Amendment Bill, which means it 28) DEAF: Depositor Education and Awareness Fund needs to be approved by not less than two- 29) NEFT ‐ National Electronic Funds Transfer thirds of the members present and voting in each House of Parliament. The GST must also 30) DICGC : Deposit insurance and credit guarantee be ratified by the legislatures of at least one- corporation. half of the states. 31) FCNR(B) ‐ Foreign Currency Non‐Resident Bank

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32) LCR: Liquidity Coverage Ratio 44) FTA‐ Free trade agreementGAAR ‐ General anti avoidance rule 33) IMPS: Interbank Mobile Payment Service 45) GSLV ‐ Geo‐Synchronous Launch Vehicle 34) TARC ‐ Tax Administration Reform Commission 45) 46) NCTC ‐ National Counter‐Terrorism Centre 35) LRMT: Liquidity risk monitoring tools 46) 47) NSG – Nuclear Suppliers Group 36) ECB ‐ External Commercial Borrowings 47) 48) PPP – Public Private Partnership & Purchasing 37) MIBOR: Mumbai Inter‐Bank Offer Rate 48) Power parity 38) LIBOR: London Inter‐Bank Offer Rate 49) PSLV – Polar Satellite Launch vehicle 39) LAF – Liquidity Adjustment Facility 50) TAPI ‐ Turkmenistan ‐ Afghanistan ‐ Pakistan ‐ 40) GIRO ‐ Government Internal Revenue Order India. 41) FRBMA: Fiscal Responsibility and Budget 51) QFI ‐Qualified Foreign Investors Management Act 52) REER: Real Effective Exchange Rate 42) AMFI‐ Association of Mutual Fund in India. 43) TIEA – Tax Information exchange Agreement

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