{"id":7411,"date":"2024-04-19T10:44:45","date_gmt":"2024-04-19T10:44:45","guid":{"rendered":"https:\/\/www.nextias.com\/blog\/?p=7411"},"modified":"2024-05-14T11:24:41","modified_gmt":"2024-05-14T11:24:41","slug":"%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80","status":"publish","type":"post","link":"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/","title":{"rendered":"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940: \u0938\u0902\u0930\u091a\u0928\u093e, \u092a\u094d\u0930\u0915\u093e\u0930 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0924\u0925\u094d\u092f"},"content":{"rendered":"\n<p><em><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940<\/strong> \u0926\u0947\u0936 \u0915\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0922\u093e\u0902\u091a\u0947 \u0915\u0940 \u0906\u0927\u093e\u0930\u0936\u093f\u0932\u093e \u0939\u0948\u0964 \u0907\u0938 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0924\u094d\u0924 \u0915\u093e \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 <strong>\u092c\u091a\u0924\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0938\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0924\u0915 <\/strong>\u0924\u0925\u093e <strong>\u0928\u093f\u0935\u0947\u0936 \u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f<\/strong> \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0924\u0915 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0926\u0947\u0936 \u0915\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0940 \u0939\u0948\u0964 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e \u0914\u0930 \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0928\u093e, \u092d\u093e\u0930\u0924\u0940\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u092e\u091d \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<strong> NEXT IAS \u0915\u0947 \u0907\u0938 \u0932\u0947\u0916<\/strong> \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094b \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0938\u092e\u091d\u093e\u0928\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0907\u0938\u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923, \u0938\u0902\u0930\u091a\u0928\u093e, \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u090f\u0901 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/em><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_56_1 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4%E0%A5%80%E0%A4%AF_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%B2%E0%A5%80_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\" title=\"\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094d\u092f\u093e \u0939\u0948?\">\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%B0%E0%A5%8D%E0%A4%97%E0%A5%80%E0%A4%95%E0%A4%B0%E0%A4%A3\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Scheduled_Banks\" title=\"\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Scheduled Banks)\">\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Scheduled Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Non-Scheduled_Banks\" title=\"\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Non-Scheduled Banks)\">\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Non-Scheduled Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%94%E0%A4%B0_%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A5%80%E0%A4%9A_%E0%A4%85%E0%A4%82%E0%A4%A4%E0%A4%B0\" title=\"\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930\">\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%B2%E0%A5%80_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4%E0%A5%80%E0%A4%AF_%E0%A4%B0%E0%A4%BF%E0%A4%9C%E0%A4%BC%E0%A4%B0%E0%A5%8D%E0%A4%B5_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_RBI\" title=\"\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)\">\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%B5%E0%A4%BE%E0%A4%A3%E0%A4%BF%E0%A4%9C%E0%A5%8D%E0%A4%AF%E0%A4%BF%E0%A4%95_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Commercial_Banks\" title=\"\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 (Commercial Banks)\">\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 (Commercial Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Cooperative_Banks\" title=\"\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (Cooperative Banks)\">\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (Cooperative Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Development_Banks\" title=\"\u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (Development Banks)\">\u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (Development Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%B5%E0%A4%BF%E0%A4%AD%E0%A5%87%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Differentiated_Banks\" title=\"\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 (Differentiated Banks)\">\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 (Differentiated Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%B5%E0%A4%BF%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A5%80%E0%A4%AF_%E0%A4%95%E0%A4%82%E0%A4%AA%E0%A4%A8%E0%A5%80_NBFCs\" title=\"\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u0940 (NBFCs)\">\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u0940 (NBFCs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#NBFCs_%E0%A4%94%E0%A4%B0_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A5%80%E0%A4%9A_%E0%A4%85%E0%A4%82%E0%A4%A4%E0%A4%B0\" title=\"NBFCs \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930\">NBFCs \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95_%E0%A4%AF%E0%A4%BE_%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_%E0%A4%B8%E0%A4%AE%E0%A4%9D%E0%A5%8C%E0%A4%A4%E0%A5%87\" title=\"\u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0915 \u092f\u093e \u092c\u0947\u0938\u0932 \u0938\u092e\u091d\u094c\u0924\u0947\">\u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0915 \u092f\u093e \u092c\u0947\u0938\u0932 \u0938\u092e\u091d\u094c\u0924\u0947<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_I_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95_Basel_I_Norms\" title=\"\u092c\u0947\u0938\u0932 I \u092e\u093e\u0928\u0915 (Basel I Norms)\">\u092c\u0947\u0938\u0932 I \u092e\u093e\u0928\u0915 (Basel I Norms)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_II_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95_Basel_II_Norms\" title=\"\u092c\u0947\u0938\u0932 II \u092e\u093e\u0928\u0915 (Basel II Norms)\">\u092c\u0947\u0938\u0932 II \u092e\u093e\u0928\u0915 (Basel II Norms)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_III_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95\" title=\"\u092c\u0947\u0938\u0932 III \u092e\u093e\u0928\u0915\">\u092c\u0947\u0938\u0932 III \u092e\u093e\u0928\u0915<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%AA%E0%A5%82%E0%A4%81%E0%A4%9C%E0%A5%80_-%E0%A4%9C%E0%A5%8B%E0%A4%96%E0%A4%BF%E0%A4%AE_%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%BF%E0%A4%A4_%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF_%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%AA%E0%A4%BE%E0%A4%A4_CRAR_%E0%A4%AF%E0%A4%BE_%E0%A4%AA%E0%A5%82%E0%A4%81%E0%A4%9C%E0%A5%80_%E0%A4%AA%E0%A4%B0%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%AA%E0%A5%8D%E0%A4%A4%E0%A4%A4%E0%A4%BE_%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%AA%E0%A4%BE%E0%A4%A4_CAR\" title=\"\u092a\u0942\u0901\u091c\u0940 -\u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0905\u0928\u0941\u092a\u093e\u0924 (CRAR) \u092f\u093e \u092a\u0942\u0901\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e \u0905\u0928\u0941\u092a\u093e\u0924 (CAR)\">\u092a\u0942\u0901\u091c\u0940 -\u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0905\u0928\u0941\u092a\u093e\u0924 (CRAR) \u092f\u093e \u092a\u0942\u0901\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e \u0905\u0928\u0941\u092a\u093e\u0924 (CAR)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%B8%E0%A4%82%E0%A4%AC%E0%A4%82%E0%A4%A7%E0%A4%BF%E0%A4%A4_%E0%A4%85%E0%A4%B5%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%8F%E0%A4%81\" title=\"\u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u090f\u0901\">\u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u090f\u0901<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%98%E0%A4%B0%E0%A5%87%E0%A4%B2%E0%A5%82_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%B2%E0%A5%80%E0%A4%AC%E0%A4%A6%E0%A5%8D%E0%A4%A7_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A5%8D%E0%A4%B5%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A5%8D%E0%A4%A3_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_D-SIBs\" title=\"\u0918\u0930\u0947\u0932\u0942 \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u092c\u0926\u094d\u0927 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0948\u0902\u0915 (D-SIBs)\">\u0918\u0930\u0947\u0932\u0942 \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u092c\u0926\u094d\u0927 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0948\u0902\u0915 (D-SIBs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a3%e0%a4%be%e0%a4%b2%e0%a5%80\/#%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A5%8B_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Neo_Banks\" title=\"\u0928\u093f\u092f\u094b \u092c\u0948\u0902\u0915 (Neo Banks)\">\u0928\u093f\u092f\u094b \u092c\u0948\u0902\u0915 (Neo Banks)<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-cc5d4613bd49fd40f82af17ecfd8e5a9\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4%E0%A5%80%E0%A4%AF_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%B2%E0%A5%80_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902, \u091c\u0948\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u0928\u093f\u092f\u0928\u094b\u0902 \u0915\u0947 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u0925\u093e \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902, \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a <strong>\u092e\u0927\u094d\u092f\u0938\u094d\u0925 <\/strong>\u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u0927\u0928 \u0939\u0948 \u0905\u0930\u094d\u0925\u093e\u0924\u094d <strong>\u092c\u091a\u0924\u0915\u0930\u094d\u0924\u093e<\/strong>, \u0914\u0930 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0927\u0928 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948 \u0905\u0930\u094d\u0925\u093e\u0924\u094d <strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e<\/strong>\u0964 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0926\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u093e, \u0927\u0928 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u093e, \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0924\u0925\u093e \u092c\u091a\u0924 \u0916\u093e\u0924\u0947, \u090b\u0923 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u091c\u0948\u0938\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u0924\u094d\u092a\u093e\u0926\u094b\u0902 \u0915\u094b \u0935\u093f\u0915\u094d\u0930\u092f \u0915\u0930\u0928\u093e \u0906\u0926\u093f \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-61009226989664d90a48ae3dc5985259\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%B0%E0%A5%8D%E0%A4%97%E0%A5%80%E0%A4%95%E0%A4%B0%E0%A4%A3\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u092c\u0928\u0928\u0947 \u0935\u093e\u0932\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0926\u094b \u0936\u094d\u0930\u0947\u0923\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 &#8211; <strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u0964<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-177fad6e0a05cff5f1a18de73beaf82e\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Scheduled_Banks\"><\/span><strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Scheduled Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0909\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1934 \u0915\u0940 \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u092e\u0947\u0902 \u0938\u0942\u091a\u0940\u092c\u0926\u094d\u0927 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0938\u092e\u093e\u0935\u0947\u0936\u0928 \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u092f\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u0925\u093e \u092f\u0947 RBI \u0915\u0947 \u0938\u0916\u094d\u0924 \u0935\u093f\u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0927\u0940\u0928 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u092e\u0947\u0902 \u0938\u0942\u091a\u0940\u092c\u0926\u094d\u0927 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0948\u0902\u0915 \u0915\u094b \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 <strong>2 \u0936\u0930\u094d\u0924\u094b\u0902<\/strong> \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0907\u0928\u0915\u0940 \u092a\u094d\u0930\u0926\u0924\u094d\u0924 \u092a\u0942\u0902\u091c\u0940 \u0924\u0925\u093e \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u094b\u0937 5 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0938\u0947 \u0915\u092e \u0928\u0939\u0940\u0902 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f, \u0914\u0930<\/li>\n\n\n\n<li>\u0907\u0928\u094d\u0939\u0947\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0915\u094b \u0938\u0902\u0924\u0941\u0937\u094d\u091f \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e \u0915\u093f \u0909\u0928\u0915\u0947 \u0915\u093e\u0930\u094d\u092f \u0909\u0928\u0915\u0947 \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0939\u093f\u0924\u094b\u0902 \u0915\u094b \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930\u0947\u0902\u0917\u0947\u0964<\/li>\n<\/ul>\n\n\n\n<p>\u092f\u0926\u093f \u0915\u094b\u0908 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0907\u0928 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u093e \u0909\u0932\u094d\u0932\u0902\u0918\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0947 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u0938\u0947 \u092c\u093e\u0939\u0930 \u0915\u0930 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u090f\u0915 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0915\u094b <strong>\u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0932\u093e\u092d<\/strong> \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u092f\u0947 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0947 \u092c\u0948\u0902\u0915 \u0930\u0947\u091f \u092a\u0930 \u090b\u0923 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e\u0964<\/li>\n\n\n\n<li>\u0915\u094d\u0932\u093f\u092f\u0930\u093f\u0902\u0917 \u0939\u093e\u0909\u0938 \u0915\u0940 \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0938\u0926\u0938\u094d\u092f\u0924\u093e\u0964<\/li>\n\n\n\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0947 \u092a\u094d\u0930\u0925\u092e \u0936\u094d\u0930\u0947\u0923\u0940 \u0915\u0947 \u0935\u093f\u0928\u093f\u092e\u092f \u092c\u093f\u0932\u094b\u0902 \u0915\u0947 \u092a\u0941\u0928\u0903-\u091b\u0942\u091f \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-abf63e8b7d3ed24719c7e26288639b1f\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Non-Scheduled_Banks\"><\/span><strong>\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 (Non-Scheduled Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0909\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1934 \u0915\u0940 \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940<\/strong> \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u0915\u0947 <strong>\u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0928\u0939\u0940\u0902<\/strong> \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u0938\u0947 \u092c\u093e\u0939\u0930 \u0939\u094b\u0928\u0947 \u0915\u093e \u0924\u093e\u0924\u094d\u092a\u0930\u094d\u092f \u0939\u0948 \u0915\u093f \u0935\u0947 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-e2d747c8ac95a1c34bc49f89bb4bc5a8\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%94%E0%A4%B0_%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%B8%E0%A5%82%E0%A4%9A%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A5%80%E0%A4%9A_%E0%A4%85%E0%A4%82%E0%A4%A4%E0%A4%B0\"><\/span><strong>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#ebecf0\"><thead><tr><th>\u0905\u0902\u0924\u0930 \u0915\u093e \u0906\u0927\u093e\u0930<\/th><th>\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915<\/th><th>\u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915<\/th><\/tr><\/thead><tbody><tr><td><strong>\u0905\u0930\u094d\u0925<\/strong><\/td><td>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u090f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u0902\u092a\u0928\u0940 \u091c\u094b RBI \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1934 \u0915\u0940 \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u092e\u0947\u0902 \u0938\u0942\u091a\u0940\u092c\u0926\u094d\u0927 \u0939\u0948\u0964<\/td><td>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u090f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u0902\u092a\u0928\u0940 \u091c\u093f\u0938\u0915\u093e \u0909\u0932\u094d\u0932\u0947\u0916 RBI \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1934 \u0915\u0940 \u0926\u0942\u0938\u0930\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u092e\u093e\u0928\u0926\u0902\u0921<\/strong><\/td><td>&#8211; \u20b9 5 \u0932\u093e\u0916 \u092f\u093e \u0909\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0915\u0940 \u092a\u094d\u0930\u0926\u0924\u094d\u0924 \u092a\u0942\u0901\u091c\u0940 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<br>&#8211; \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e \u0915\u093f \u0909\u0928\u0915\u0947 \u0915\u093e\u0930\u094d\u092f \u0909\u0928\u0915\u0947 \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0939\u093f\u0924\u094b\u0902 \u0915\u094b \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930\u0947\u0902\u0917\u0947\u0964<\/td><td>&#8211; \u0915\u094b\u0908 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092e\u093e\u092a\u0926\u0902\u0921 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0901<\/strong><\/td><td>&#8211; \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 <strong>CRR \u091c\u092e\u093e \u0930\u093e\u0936\u093f\u092f\u093e\u0901<\/strong> \u0930\u0916\u0928\u0940 \u0939\u094b\u0917\u0940\u0964<br>&#8211; \u0906\u0935\u0927\u093f\u0915 \u0906\u0927\u093e\u0930 \u092a\u0930 <strong>\u0905\u092a\u0928\u093e \u0930\u093f\u091f\u0930\u094d\u0928 \u0926\u093e\u0916\u093f\u0932<\/strong> \u0915\u0930\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/td><td>\u0905\u092a\u0928\u0947 \u092a\u093e\u0938 <strong>CRR <\/strong>\u091c\u092e\u093e \u0930\u093e\u0936\u093f\u092f\u093e\u0901 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0940 \u0939\u094b\u0917\u0940\u0964<br><strong>\u0930\u093f\u091f\u0930\u094d\u0928 \u0926\u093e\u0916\u093f\u0932<\/strong> \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094b\u0908 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0905\u0927\u093f\u0915\u093e\u0930 \u0909\u092a\u0932\u092c\u094d\u0927<\/strong><\/td><td>&#8211; \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0947 \u0927\u0928 \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915\u0943\u0924\u0964<br>&#8211; \u0915\u094d\u0932\u093f\u092f\u0930\u093f\u0902\u0917\u0939\u093e\u0909\u0938 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<br>&#8211; \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0947 \u092a\u094d\u0930\u0925\u092e \u0936\u094d\u0930\u0947\u0923\u0940 \u0915\u0947 \u0935\u093f\u0928\u093f\u092e\u092f \u092c\u093f\u0932\u094b\u0902 \u0915\u0947 \u092a\u0941\u0928\u0903-\u091b\u0942\u091f \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u093e \u0932\u093e\u092d \u0909\u0920\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>&#8211; \u0906\u092e\u0924\u094c\u0930 \u092a\u0930, \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0947 \u0927\u0928 \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915\u0943\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0935\u0947 \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 RBI \u0938\u0947 \u0909\u0927\u093e\u0930 \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<br>&#8211; \u0915\u094d\u0932\u093f\u092f\u0930\u093f\u0902\u0917\u0939\u093e\u0909\u0938 \u092e\u0947\u0902 \u0938\u0926\u0938\u094d\u092f\u0924\u093e \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948\u0902\u0964<br>&#8211; \u0909\u0928\u0915\u0947 \u0932\u093f\u090f \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0947 \u0935\u093f\u0928\u093f\u092e\u092f \u092c\u093f\u0932\u094b\u0902 \u0915\u0947 \u092a\u0941\u0928\u0903-\u091b\u0942\u091f \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u091c\u094b\u0916\u093f\u092e<\/strong><\/td><td>\u092f\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0938\u094d\u0925\u093f\u0930 \u0939\u094b\u0924\u0947 \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0905\u0927\u093f\u0915\u093e\u0930\u094b\u0902 \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u092a\u0939\u0941\u0902\u091a\u093e\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/td><td>\u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u0930\u0928\u093e \u0905\u0927\u093f\u0915 \u091c\u094b\u0916\u093f\u092e \u092d\u0930\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong><\/td><td>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915, \u0928\u093f\u091c\u0940 \u0914\u0930 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u0964<\/td><td>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0915\u0947\u0935\u0932 \u0915\u0941\u091b \u0939\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092c\u0948\u0902\u0915 (LAB), \u0914\u0930 \u0915\u0941\u091b \u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (UCB)\u0964<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-c0d883eede9d4310767d5697cc41c1c5\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%B2%E0%A5%80_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0936\u0940\u0930\u094d\u0937 \u092a\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u092d\u093e\u0930\u0924 \u0915\u0947 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0928\u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0905\u0917\u0932\u0947 \u0905\u0928\u0941\u092d\u093e\u0917\u094b\u0902 \u092e\u0947\u0902 \u091a\u0930\u094d\u091a\u093e \u0915\u0940 \u0917\u0908 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-f89a9dfd319f8422755f93caf7764420\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4%E0%A5%80%E0%A4%AF_%E0%A4%B0%E0%A4%BF%E0%A4%9C%E0%A4%BC%E0%A4%B0%E0%A5%8D%E0%A4%B5_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_RBI\"><\/span><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong> \u092d\u093e\u0930\u0924 \u0915\u093e \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0939\u0948\u0964 \u092f\u0939 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0936\u0940\u0930\u094d\u0937 \u0928\u093f\u0915\u093e\u092f \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0915\u093e \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 <strong>\u0935\u093f\u0924\u094d\u0924 \u092e\u0902\u0924\u094d\u0930\u093e\u0932\u092f <\/strong>\u0915\u0947 \u0905\u0927\u0940\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u090f\u0915<strong> \u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u0915\u093e\u092f<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0915\u0947 \u0938\u093e\u0925-\u0938\u093e\u0925 \u092d\u093e\u0930\u0924\u0940\u092f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u092e\u0941\u0926\u094d\u0930\u093e \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0915\u0947 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923, \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u0914\u0930 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u0924\u094d\u0924\u0930\u0926\u093e\u092f\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0907\u0938\u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902, \u0907\u0924\u093f\u0939\u093e\u0938, \u0938\u0902\u0930\u091a\u0928\u093e, \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0905\u0927\u094d\u092f\u092f\u0928 \u0939\u092e\u093e\u0930\u0947 \u2018\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)\u2019 \u092a\u0930 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-9f468d98dfd35750ce35a1dd91c83e3e\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B5%E0%A4%BE%E0%A4%A3%E0%A4%BF%E0%A4%9C%E0%A5%8D%E0%A4%AF%E0%A4%BF%E0%A4%95_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Commercial_Banks\"><\/span><strong>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 (Commercial Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0909\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b <strong>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u0906\u0927\u093e\u0930<\/strong> \u092a\u0930 \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u0924\u093e\u0924\u094d\u092a\u0930\u094d\u092f \u0939\u0948 \u0915\u093f \u0935\u0947 \u0932\u093e\u092d \u0915\u092e\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0909\u0928\u094d\u0939\u0947\u0902 <strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1949<\/strong> \u0915\u0947 \u0924\u0939\u0924 \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0909\u0928\u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e, \u092a\u094d\u0930\u0915\u093e\u0930, \u092e\u0939\u0924\u094d\u0924\u094d\u0935 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0905\u0927\u094d\u092f\u092f\u0928 \u0939\u092e\u093e\u0930\u0947 \u0932\u0947\u0916 &#8216;\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915&#8217; \u092a\u0930 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0930\u0942\u092a \u0938\u0947 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-cfe942966438b15a0defa4e16f76cd8a\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Cooperative_Banks\"><\/span><strong>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (Cooperative Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0909\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b <strong>\u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u092f\u094b\u0917 \u0914\u0930 \u092a\u093e\u0930\u0938\u094d\u092a\u0930\u093f\u0915 \u0932\u093e\u092d \u0915\u0947 \u0938\u093f\u0926\u094d\u0927\u093e\u0902\u0924\u094b\u0902<\/strong> \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0935\u0947 \u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u094d\u0935\u093e\u092e\u0940 \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u0926\u094b\u0928\u094b\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964\n<ul class=\"wp-block-list\">\n<li>\u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930, \u092f\u0939 \u0915\u0939\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0915\u093f <strong>\u0917\u094d\u0930\u093e\u0939\u0915 \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0938\u094d\u0935\u093e\u092e\u0940<\/strong> \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0907\u0938\u0932\u093f\u090f \u0928\u093e\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0928\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0939\u093f\u0924\u0927\u093e\u0930\u0915\u094b\u0902 \u0915\u093e \u0938\u0939\u092f\u094b\u0917 \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0909\u0928\u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u0913\u0902, \u0935\u093f\u0928\u093f\u092f\u092e\u094b\u0902, \u0938\u0902\u0930\u091a\u0928\u093e, \u092e\u0939\u0924\u094d\u0924\u094d\u0935 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0905\u0927\u094d\u092f\u092f\u0928 \u0939\u092e\u093e\u0930\u0947 \u0932\u0947\u0916 &#8216;\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915&#8217; \u092e\u0947\u0902 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0930\u0942\u092a \u0938\u0947 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-2d21290f3ab24fa1222140a7db3b8689\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Development_Banks\"><\/span><strong>\u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (Development Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b <strong>\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u0940\u0928 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (TLIs) \u092f\u093e \u0935\u093f\u0915\u093e\u0938 \u0935\u093f\u0924\u094d\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (DFIs)<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0924\u0939\u0924 <strong>\u0935\u093f\u0936\u0947\u0937 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928<\/strong> \u0939\u0948\u0902 \u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0909\u0928 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u0915\u094b<strong> \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0935\u093f\u0924\u094d\u0924 \u0914\u0930 \u0938\u0939\u093e\u092f\u0924\u093e <\/strong>\u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u092e\u0947\u0902 <strong>\u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e<\/strong> \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u090b\u0923 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0909\u0928\u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930\u094b\u0902, \u092d\u0942\u092e\u093f\u0915\u093e\u0913\u0902 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0905\u0927\u094d\u092f\u092f\u0928, \u0939\u092e\u093e\u0930\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-aad039c60dfcdeede69b517d7c417347\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B5%E0%A4%BF%E0%A4%AD%E0%A5%87%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Differentiated_Banks\"><\/span><strong>\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 (Differentiated Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915 \u0909\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 <strong>\u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0935\u0930\u094d\u0917 \u0915\u094b \u0938\u0947\u0935\u093e \u092a\u094d\u0930\u0926\u093e\u0928<\/strong> \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u0915\u094b<strong> 2013 \u092e\u0947\u0902 \u0928\u091a\u093f\u0915\u0947\u0924\u093e \u092e\u094b\u0930 \u0938\u092e\u093f\u0924\u093f<\/strong> \u0915\u0940 \u0938\u093f\u092b\u093e\u0930\u093f\u0936\u094b\u0902 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u0940 \u0917\u0908 \u0925\u0940, \u0924\u093e\u0915\u093f \u0915\u093f\u0938\u0940 \u0935\u093f\u0936\u0947\u0937 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0905\u0928\u0941\u0930\u0942\u092a <strong>\u0935\u093f\u0936\u0947\u0937 \u0938\u0947\u0935\u093e\u090f\u0901 \u092f\u093e \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0909\u0924\u094d\u092a\u093e\u0926<\/strong> \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u090f \u091c\u093e \u0938\u0915\u0947\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p>\u0909\u0928\u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930\u094b\u0902, \u092d\u0942\u092e\u093f\u0915\u093e\u0913\u0902 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0905\u0927\u094d\u092f\u092f\u0928, \u0939\u092e\u093e\u0930\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u093f\u092d\u0947\u0926\u093f\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-6f8128360a05a8ead5cbc3572586514a\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%B5%E0%A4%BF%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A5%80%E0%A4%AF_%E0%A4%95%E0%A4%82%E0%A4%AA%E0%A4%A8%E0%A5%80_NBFCs\"><\/span><strong>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u0940 (NBFCs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u090f\u0915 \u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u0940 (NBFCs) <strong>\u0915\u0902\u092a\u0928\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1956<\/strong> \u0915\u0947 \u0924\u0939\u0924 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u090f\u0915 \u0915\u0902\u092a\u0928\u0940 \u0939\u0948 \u091c\u094b \u090b\u0923 \u0914\u0930 \u0905\u0917\u094d\u0930\u093f\u092e, <strong>\u0938\u0930\u0915\u093e\u0930 \u092f\u093e \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923 \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u0936\u0947\u092f\u0930\u094b\u0902\/\u0938\u094d\u091f\u0949\u0915\/\u092c\u0949\u0928\u094d\u0921\/\u0921\u093f\u092c\u0947\u0902\u091a\u0930\/\u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u0947 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u092f\u093e \u0905\u0928\u094d\u092f \u0935\u093f\u092a\u0923\u0928 \u092f\u094b\u0917\u094d\u092f \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092e\u0947\u0902 \u0932\u0917\u0940 \u0939\u0941\u0908 \u0939\u0948\u0964 \u0909\u0938\u0940 \u092a\u094d\u0930\u0915\u0943\u0924\u093f \u0915\u0940 \u0905\u0928\u094d\u092f \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923, \u092a\u091f\u094d\u091f\u0947 , \u0915\u093f\u0930\u093e\u092f\u093e- \u0916\u0930\u0940\u0926, \u092c\u0940\u092e\u093e \u0915\u093e\u0930\u094b\u092c\u093e\u0930, \u091a\u093f\u091f \u092b\u0902\u0921 \u0915\u093e\u0930\u094b\u092c\u093e\u0930 \u092e\u0947\u0902 \u0932\u0917\u0940 \u0939\u0941\u0908 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u092e\u0947\u0902 \u0910\u0938\u0940 \u0915\u094b\u0908 \u092d\u0940 \u0938\u0902\u0938\u094d\u0925\u093e \u0936\u093e\u092e\u093f\u0932 \u0928\u0939\u0940\u0902 \u0939\u0948 \u091c\u093f\u0938\u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0943\u0937\u093f \u0917\u0924\u093f\u0935\u093f\u0927\u093f, \u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u0917\u0924\u093f\u0935\u093f\u0927\u093f, \u0915\u093f\u0938\u0940 \u092d\u0940 \u0935\u0938\u094d\u0924\u0941 ( \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924) \u0915\u0947 \u0916\u0930\u0940\u0926 \u092f\u093e \u092c\u093f\u0915\u094d\u0930\u0940 \u092f\u093e \u0915\u094b\u0908 \u0938\u0947\u0935\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0914\u0930 \u0905\u091a\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u093e \u092c\u093f\u0915\u094d\u0930\u0940\/\u0916\u0930\u0940\u0926\/\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0928\u094d\u0939\u0947\u0902 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 <strong>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940<\/strong> \u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0928\u0939\u0940\u0902 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092f\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u092c\u095c\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>NBFCs \u0915\u0940 <strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0915\u0941\u0932 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e 50%<\/strong> \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u0906\u092f, <strong>\u0938\u0915\u0932 \u0906\u092f \u0915\u093e 50% \u0938\u0947<\/strong> \u0905\u0927\u093f\u0915 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n\n\n\n<li>\u091c\u092c\u0915\u093f \u0915\u0941\u091b <strong>NBFCs \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u0935\u0939\u0940\u0902 \u0915\u0941\u091b \u0915\u094b \u0905\u0928\u094d\u092f \u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u0915\u093e\u092f\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, <strong>\u092e\u0930\u094d\u091a\u0947\u0902\u091f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 <\/strong>\u0915\u094b <strong>SEBI <\/strong>\u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0914\u0930<strong> \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902<\/strong> \u0915\u094b <strong>IRDA \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924<\/strong> \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-cd32769a426bfb0d021b83239c722751\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"NBFCs_%E0%A4%94%E0%A4%B0_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A5%80%E0%A4%9A_%E0%A4%85%E0%A4%82%E0%A4%A4%E0%A4%B0\"><\/span><strong>NBFCs \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#ebecf0\"><thead><tr><th>\u092c\u0948\u0902\u0915<\/th><th>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 (NBFCs)<\/th><\/tr><\/thead><tbody><tr><td>\u092c\u0948\u0902\u0915 \u092e\u093e\u0901\u0917 \u091c\u092e\u093e\u090f\u0901 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>NBFCs \u092e\u093e\u0901\u0917 \u091c\u092e\u093e\u090f\u0901 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0940\u0964<\/td><\/tr><tr><td>\u092c\u0948\u0902\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0928\u093f\u092a\u091f\u093e\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 (PSS) \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0948\u0902, \u0914\u0930 \u0907\u0938\u0932\u093f\u090f \u0935\u0947 \u0938\u094d\u0935\u092f\u0902 \u0906\u0939\u0930\u093f\u0924 \u091a\u0947\u0915 \u091c\u093e\u0930\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>NBFCs \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0928\u093f\u092a\u091f\u093e\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 (PSS) \u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u0914\u0930 \u0907\u0938\u0932\u093f\u090f \u0935\u0947 \u0938\u094d\u0935\u092f\u0902 \u0906\u0939\u0930\u093f\u0924 \u091a\u0947\u0915 \u091c\u093e\u0930\u0940 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><\/tr><tr><td>\u092c\u0948\u0902\u0915 \u091c\u092e\u093e \u0930\u093e\u0936\u093f, \u091c\u092e\u093e \u092c\u0940\u092e\u093e \u0914\u0930 \u090b\u0923 \u0917\u093e\u0930\u0902\u091f\u0940 \u0928\u093f\u0917\u092e (DICGC) \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0940\u092e\u093f\u0924 \u0939\u0948\u0964<\/td><td>\u091c\u092e\u093e \u092c\u0940\u092e\u093e \u0914\u0930 \u090b\u0923 \u0917\u093e\u0930\u0902\u091f\u0940 \u0928\u093f\u0917\u092e \u0915\u0940 \u091c\u092e\u093e \u092c\u0940\u092e\u093e \u0938\u0941\u0935\u093f\u0927\u093e NBFCs \u0915\u0947 \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td>\u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924, \u091c\u0948\u0938\u0947 CRR, SLR \u0906\u0926\u093f \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/td><td>NBFCs \u0915\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924, \u091c\u0948\u0938\u0947 CRR, SLR \u0906\u0926\u093f \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td>\u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1949 \u0915\u0947 \u0924\u0939\u0924 \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/td><td>NBFCs \u0915\u094b \u0915\u0902\u092a\u0928\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1956 \u0915\u0947 \u0924\u0939\u0924 \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td>\u0928\u093f\u091c\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0935\u093f\u0926\u0947\u0936\u0940 \u0928\u093f\u0935\u0947\u0936 (FDI) 74% \u0924\u0915 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0939\u0948\u0964<\/td><td>NBFCs \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0935\u093f\u0926\u0947\u0936\u0940 \u0928\u093f\u0935\u0947\u0936 (FDI) 100% \u0924\u0915 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0939\u0948\u0964<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-39262b1b9febc15d1c8ec2946cf6c1b5\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95_%E0%A4%AF%E0%A4%BE_%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_%E0%A4%B8%E0%A4%AE%E0%A4%9D%E0%A5%8C%E0%A4%A4%E0%A5%87\"><\/span><strong>\u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0915 \u092f\u093e \u092c\u0947\u0938\u0932 \u0938\u092e\u091d\u094c\u0924\u0947<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u0948\u0936\u094d\u0935\u0940\u0915\u0930\u0923 <\/strong>\u0915\u0947 \u0926\u094c\u0930 \u092e\u0947\u0902, \u0915\u0908 \u092c\u0948\u0902\u0915 \u0939\u0948\u0902 \u091c\u094b <strong>\u0905\u0902\u0924\u0930\u094d\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0938\u094d\u0924\u0930<\/strong> \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0910\u0938\u0947 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0935\u093f\u092b\u0932\u0924\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0915\u0943\u0924 \u092c\u0921\u093c\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u092e\u0947\u0902 <strong>\u090f\u0915 \u0938\u093e\u0925<\/strong> <strong>\u0935\u093f\u092b\u0932\u0924\u093e\u0913\u0902 <\/strong>\u0915\u094b \u091f\u094d\u0930\u093f\u0917\u0930 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0915\u094b\u0902 \u0915\u094b \u0907\u0938\u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u0928\u093e\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0909\u0928\u0915\u093e \u0932\u0915\u094d\u0937\u094d\u092f \u092d\u093e\u0930\u0924 \u0914\u0930 \u0935\u093f\u0936\u094d\u0935 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 <strong>\u0935\u093f\u0928\u093f\u092f\u092e\u0928, \u092a\u0930\u094d\u092f\u0935\u0947\u0915\u094d\u0937\u0923 \u0914\u0930 \u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u092c\u0902\u0927\u0928<\/strong> \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0928\u093e \u0939\u0948 \u0924\u093e\u0915\u093f <strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0924\u0928\u093e\u0935<\/strong> \u0938\u0947 \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0947 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u094b \u0905\u0935\u0936\u094b\u0937\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0939\u094b \u0938\u0915\u0947\u0964<\/li>\n\n\n\n<li>\u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0915 <strong>\u092c\u0948\u0902\u0915 \u092b\u0949\u0930 \u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u0938\u0947\u091f\u0932\u092e\u0947\u0902\u091f\u094d\u0938 (BIS)<\/strong>, \u0938\u094d\u0935\u093f\u091f\u094d\u091c\u0930\u0932\u0948\u0902\u0921, \u091c\u094b \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0926\u0947\u0936\u094b\u0902 \u0915\u0947 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u092e\u0928\u094d\u0935\u092f \u090f\u091c\u0947\u0902\u0938\u0940 \u0939\u0948, \u0915\u0947 \u090f\u0915 \u092d\u093e\u0917 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 &#8211;<strong> \u092c\u0947\u0938\u0932 \u0938\u092e\u093f\u0924\u093f \u0911\u0928 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0941\u092a\u0930\u0935\u093f\u091c\u0928 (BCBS)<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u093f\u090f \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u092e\u093e\u0928\u0915 \u0905\u0932\u0917-\u0905\u0932\u0917 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u0917\u0924 \u0930\u0942\u092a \u0938\u0947 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 (SIFIs) \u092a\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0909\u0928\u0915\u093e \u0915\u093e\u0930\u094d\u092f\u093e\u0928\u094d\u0935\u092f\u0928 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0926\u0947\u0936\u094b\u0902 \u0915\u0947 <strong>\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0905\u092c \u0924\u0915, \u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0915\u094b\u0902 \u0915\u0947 3 \u0938\u0947\u091f\u094b \u0915\u093e \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 &#8211;<strong> \u092c\u0947\u0938\u0932 I, \u092c\u0947\u0938\u0932 II \u0914\u0930 \u092c\u0947\u0938\u0932 III \u0964<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-d0b4b36949d49ec383c23c2f58db2bec\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_I_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95_Basel_I_Norms\"><\/span><strong>\u092c\u0947\u0938\u0932 I \u092e\u093e\u0928\u0915 (Basel I Norms)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u094d\u0930\u0925\u092e \u092c\u0947\u0938\u0932 \u0938\u092e\u091d\u094c\u0924\u093e,<\/strong> \u091c\u093f\u0938\u0947 <strong>\u092c\u0947\u0938\u0932 I <\/strong>\u0915\u0947 \u0928\u093e\u092e \u0938\u0947 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, <strong>\u0935\u0930\u094d\u0937 1988<\/strong> \u092e\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964<\/li>\n\n\n\n<li>\u092f\u0939 <strong>\u090b\u0923 \u091c\u094b\u0916\u093f\u092e\u094b\u0902<\/strong> \u092a\u0930 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0925\u093e \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930 \u0915\u0947 \u0932\u093f\u090f \u092a\u0942\u0902\u091c\u0940 \u0914\u0930 \u0938\u0902\u0930\u091a\u0928\u093e \u0915\u094b \u092a\u0930\u093f\u092d\u093e\u0937\u093f\u0924 \u0915\u0930\u0924\u093e \u0925\u093e\u0964<\/li>\n\n\n\n<li>\u0928\u094d\u092f\u0942\u0928\u0924\u092e \u092a\u0942\u0902\u091c\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e <strong>\u091c\u094b\u0916\u093f\u092e-\u092d\u093e\u0930\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (RWA) \u0915\u094b 8%<\/strong> \u092a\u0930 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-03c684b43f658ab2f9d80af1ff9b4649\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_II_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95_Basel_II_Norms\"><\/span><strong>\u092c\u0947\u0938\u0932 II \u092e\u093e\u0928\u0915 (Basel II Norms)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u092c\u0947\u0938\u0932 I \u0915\u093e <strong>\u092a\u0930\u093f\u0937\u094d\u0915\u0943\u0924 \u0914\u0930 \u0938\u0902\u0936\u094b\u0927\u093f\u0924<\/strong> \u0938\u0902\u0938\u094d\u0915\u0930\u0923 \u0939\u0948, \u091c\u093f\u0938\u0947 <strong>\u0935\u0930\u094d\u0937 2004<\/strong> \u092e\u0947\u0902 \u092a\u094d\u0930\u0915\u093e\u0936\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0928\u0947 <strong>3 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u091c\u094b\u0916\u093f\u092e\u094b\u0902<\/strong> \u0915\u094b \u092a\u0930\u093f\u092d\u093e\u0937\u093f\u0924 \u0915\u093f\u092f\u093e &#8211; <strong>\u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u091c\u094b\u0916\u093f\u092e, \u092a\u0942\u0902\u091c\u0940\u0917\u0924 \u091c\u094b\u0916\u093f\u092e \u0914\u0930 \u092c\u093e\u091c\u093e\u0930 \u091c\u094b\u0916\u093f\u092e\u0964<\/strong><\/li>\n\n\n\n<li>\u092c\u0947\u0938\u0932 II \u0915\u0947 <strong>3 \u092e\u0941\u0916\u094d\u092f \u0938\u094d\u0924\u0902\u092d <\/strong>\u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0925\u0947:<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-f6c6d14ce25bb9e23332570dd8d49fc7\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%87%E0%A4%B8%E0%A4%B2_III_%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%95\"><\/span><strong>\u092c\u0947\u0938\u0932 III \u092e\u093e\u0928\u0915<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u0947\u0938\u0932 III \u0926\u093f\u0936\u093e\u0928\u093f\u0930\u094d\u0926\u0947\u0936 \u0926\u093f\u0938\u0902\u092c\u0930 2010 \u092e\u0947\u0902 2008 \u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0915\u091f \u0915\u0940 \u092a\u0943\u0937\u094d\u0920\u092d\u0942\u092e\u093f \u092e\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u093f\u090f \u0917\u090f \u0925\u0947\u0964<\/li>\n\n\n\n<li>\u0926\u093f\u0936\u093e\u0928\u093f\u0930\u094d\u0926\u0947\u0936\u094b\u0902 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u091a\u093e\u0930 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092e\u093e\u092a\u0926\u0902\u0921\u094b\u0902 \u092a\u0942\u0901\u091c\u0940, \u0932\u093f\u0935\u0930\u0947\u091c \u0905\u0928\u0941\u092a\u093e\u0924, \u092b\u0902\u0921\u093f\u0902\u0917 \u0914\u0930 \u0924\u0930\u0932\u0924\u093e \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0915\u0947 \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u0940 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092c\u0947\u0938\u0932 III \u0915\u0947 <strong>3 \u092e\u0941\u0916\u094d\u092f \u0938\u094d\u0924\u0902\u092d \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924<\/strong> \u0939\u0948\u0902:<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-a5137f9dad14ab03deed216da332ab70\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%82%E0%A4%81%E0%A4%9C%E0%A5%80_-%E0%A4%9C%E0%A5%8B%E0%A4%96%E0%A4%BF%E0%A4%AE_%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%BF%E0%A4%A4_%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF_%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%AA%E0%A4%BE%E0%A4%A4_CRAR_%E0%A4%AF%E0%A4%BE_%E0%A4%AA%E0%A5%82%E0%A4%81%E0%A4%9C%E0%A5%80_%E0%A4%AA%E0%A4%B0%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%AA%E0%A5%8D%E0%A4%A4%E0%A4%A4%E0%A4%BE_%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%AA%E0%A4%BE%E0%A4%A4_CAR\"><\/span><strong>\u092a\u0942\u0901\u091c\u0940 -\u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0905\u0928\u0941\u092a\u093e\u0924 (CRAR) \u092f\u093e \u092a\u0942\u0901\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e \u0905\u0928\u0941\u092a\u093e\u0924 (CAR)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092a\u0942\u0901\u091c\u0940-\u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0905\u0928\u0941\u092a\u093e\u0924 (CRAR) \u092f\u093e \u092a\u0942\u0902\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e \u0905\u0928\u0941\u092a\u093e\u0924 (CAR) <strong>\u091c\u094b\u0916\u093f\u092e-\u092d\u093e\u0930\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 (%) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092a\u0942\u0902\u091c\u0940 \u0915\u0940 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e<\/strong> \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930, <strong>CRAR = (\u0915\u0941\u0932 \u092a\u0942\u0902\u091c\u0940\/\u0915\u0941\u0932 \u091c\u094b\u0916\u093f\u092e-\u092d\u093e\u0930\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0902)x100<\/strong><br>\u091c\u0939\u093e\u0901, \u0915\u0941\u0932 \u091c\u094b\u0916\u093f\u092e-\u092d\u093e\u0930\u093f\u0924 \u092a\u0942\u0901\u091c\u0940 = \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0930\u0916\u0940 \u0917\u0908 \u0915\u0941\u0932 \u092a\u0942\u0902\u091c\u0940\u0917\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u093e \u092d\u093e\u0930\u093f\u0924 \u0914\u0938\u0924\u0964<\/li>\n\n\n\n<li>CRAR \u0915\u094b <strong>\u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 <\/strong>\u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>CRAR \u0915\u094b \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092a\u0940\u091b\u0947 \u0938\u093f\u0926\u094d\u0927\u093e\u0902\u0924 \u092f\u0939 \u0939\u0948 \u0915\u093f \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0916\u0930\u093e\u092c \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (\u0916\u0930\u093e\u092c \u090b\u0923) \u0938\u0947 \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0947 \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092e\u093e\u0924\u094d\u0930\u093e \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u092a\u0942\u0901\u091c\u0940 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n\n\n\n<li>CRAR \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f, \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u0926\u0940 \u0917\u0908 \u090b\u0923 \u0930\u093e\u0936\u093f \u0915\u094b \u0915\u093f\u0938\u0940 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0905\u0928\u0941\u092e\u093e\u0928\u093f\u0924 \u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0938\u0947 \u0917\u0941\u0923\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f,<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#ebecf0\"><thead><tr><th>\u090b\u0923 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f<\/th><th>\u090b\u0923 \u0930\u093e\u0936\u093f<br>(\u20b9 \u092e\u0947\u0902)<\/th><th>\u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u0924\u093f\u0936\u0924 (Risk Percentage)<\/th><th>\u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0902 (RWA)<br>(\u20b9 \u092e\u0947\u0902)<\/th><\/tr><\/thead><tbody><tr><td>\u0915\u0943\u0937\u093f<\/td><td>100<\/td><td>20%<\/td><td>20<\/td><\/tr><tr><td>\u0909\u0926\u094d\u092f\u094b\u0917<\/td><td>200<\/td><td>17.5%<\/td><td>35<\/td><\/tr><tr><td>\u0938\u0930\u0915\u093e\u0930<\/td><td>100<\/td><td>5%<\/td><td>5<\/td><\/tr><tr><td><strong>\u0915\u0941\u0932<\/strong><\/td><td>400<\/td><td><\/td><td>60<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-01c2dd683d7b6c7631f2d1f0f557f593\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%82%E0%A4%AC%E0%A4%82%E0%A4%A7%E0%A4%BF%E0%A4%A4_%E0%A4%85%E0%A4%B5%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%8F%E0%A4%81\"><\/span><strong>\u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u090f\u0901<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-db67a782818eb38e413f3bf6bacbb4d1\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%98%E0%A4%B0%E0%A5%87%E0%A4%B2%E0%A5%82_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A3%E0%A4%BE%E0%A4%B2%E0%A5%80%E0%A4%AC%E0%A4%A6%E0%A5%8D%E0%A4%A7_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A5%8D%E0%A4%B5%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A5%8D%E0%A4%A3_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_D-SIBs\"><\/span><strong>\u0918\u0930\u0947\u0932\u0942 \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u092c\u0926\u094d\u0927 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0948\u0902\u0915 (D-SIBs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0918\u0930\u0947\u0932\u0942 \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u092c\u0926\u094d\u0927 \u0930\u0942\u092a \u0938\u0947 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0948\u0902\u0915 (D-SIBs) \u0909\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b <strong>&#8220;\u091f\u0942 \u092c\u093f\u0917 \u091f\u0942 \u092b\u0947\u0932 (TBTF)&#8221;<\/strong> \u0915\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964\n<ul class=\"wp-block-list\">\n<li>\u0907\u0938 \u0927\u093e\u0930\u0923\u093e \u0915\u0947 \u0915\u093e\u0930\u0923, \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092b\u0902\u0921\u093f\u0902\u0917 \u092c\u093e\u091c\u093c\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0915\u0941\u091b \u0932\u093e\u092d \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 D-SIB \u0915\u094b RBI \u0926\u094d\u0935\u093e\u0930\u093e 2014 \u092e\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u093f\u090f \u0917\u090f \u0922\u093e\u0902\u091a\u0947 \u0915\u0947 \u0924\u0939\u0924 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u0906\u092e\u0924\u094c\u0930 \u092a\u0930, \u091c\u093f\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u092d\u093e\u0930\u0924 \u0915\u0947 <strong>\u0938\u0915\u0932 \u0918\u0930\u0947\u0932\u0942 \u0909\u0924\u094d\u092a\u093e\u0926 (GDP) \u0915\u0947 2% \u0938\u0947<\/strong> \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948, \u0909\u0928\u094d\u0939\u0947\u0902 D-SIB \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u0905\u092c \u0924\u0915, <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0938\u094d\u091f\u0947\u091f \u092c\u0948\u0902\u0915 (SBI), ICICI \u092c\u0948\u0902\u0915 \u0914\u0930 HDFC \u092c\u0948\u0902\u0915 <\/strong>\u0915\u094b RBI \u0926\u094d\u0935\u093e\u0930\u093e D-SIB \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u0939\u091a\u093e\u0928\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-44ffa0bf93c819a3f4ef11a87b905e3d\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A5%8B_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_Neo_Banks\"><\/span><strong>\u0928\u093f\u092f\u094b \u092c\u0948\u0902\u0915 (Neo Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0928\u093f\u092f\u094b\u092c\u0948\u0902\u0915 \u0909\u0928<strong> &#8216;\u092b\u093f\u0928\u091f\u0947\u0915 \u092b\u0930\u094d\u092e\u094b\u0902&#8217;<\/strong> \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0928\u0915\u0940 \u0915\u0947\u0935\u0932 \u0921\u093f\u091c\u093f\u091f\u0932 \u0909\u092a\u0938\u094d\u0925\u093f\u0924\u093f \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0928\u0915\u0940 \u0915\u094b\u0908 \u092d\u094c\u0924\u093f\u0915 \u0936\u093e\u0916\u093e (Physical Branches) \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0928\u093f\u092f\u094b\u092c\u0948\u0902\u0915 \u0915\u093e \u0932\u0915\u094d\u0937\u094d\u092f \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e <strong>\u090f\u0915 \u0938\u0938\u094d\u0924\u093e \u0935\u093f\u0915\u0932\u094d\u092a<\/strong> \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0939\u0948, \u0924\u093e\u0915\u093f <strong>\u092a\u094d\u0930\u094c\u0926\u094d\u092f\u094b\u0917\u093f\u0915\u0940 \u0915\u093e \u0932\u093e\u092d<\/strong> \u0909\u0920\u093e\u0915\u0930 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915\u0943\u0924 \u0938\u0947\u0935\u093e\u090f\u0901 (Personalized Services) \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0940 \u091c\u093e \u0938\u0915\u0947\u0902, \u0938\u093e\u0925 \u0939\u0940 <strong>\u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0932\u093e\u0917\u0924<\/strong> \u0915\u094b \u0915\u092e \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0947\u0964<\/li>\n\n\n\n<li>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0928\u093f\u092f\u094b \u092c\u0948\u0902\u0915 \u092e\u0949\u0921\u0932 \u0915\u0947 <strong>2 \u092a\u094d\u0930\u0915\u093e\u0930<\/strong> \u0939\u0948:\n<ul class=\"wp-block-list\">\n<li>\u0935\u0947 <strong>\u0928\u093f\u092f\u094b 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