RBI banks pe PCA ke tahat kis tarah ki restrictions lagata hai? 🏦🚫 Option: Sirf discretionary, Dono mandatory aur discretionary, Koi restrictions nahi lagate, Sirf mandatory

RBI banks ko danda dikhane mein expert hai! 🏏🏦 **PCA (Prompt Corrective Action)** framework ke tahat, RBI do tarah ki restrictions lagata hai: 1. **Mandatory restrictions** (Zaroori paabandi) 🚫 - Ye fixed hoti hain, jaise mummy ka "10 baje tak ghar aa jaana" rule - High NPAs (Non-Performing Assets) jaise situations mein lag jaati hain - Sabke liye same hoti hain, koi choot nahi! 2. **Discretionary restrictions** (Marzi ki paabandi) 🤔 - Ye RBI ki mood pe depend karti hain - Bank management ya systemic risk ke hisaab se lagte hain - Jaise papa ka "situation dekh ke decide karenge" wala rule RBI ka ye PCA framework bilkul school ke strict principal ki tarah hai - kuch rules fixed hain, kuch situation dekh ke decide hote hain. Par end mein sabka fayda hi hota hai! 📚🏫 Toh agar aap banker ho ya banna chahte ho, to yaad rakhiye - RBI ka danda hamesha taiyaar rehta hai! 😄🏏

RBI ne PCA framework mein bank ki kamai naapne ke liye **Return on Assets (ROA)** ko chuna hai! 🎯💰 - ROA dikhata hai ki bank apne assets se kitni acchi tarah se paisa kama raha hai - Ye ek aisa scale hai jisse RBI bank ki sehat naapti hai - Zyada ROA matlab bank zyada fit hai, kam ROA matlab bank ko exercise ki zarurat hai! - PCA framework banking system ko stable rakhne ka ek tarika hai Yaad rakhna, jaise doctor BP check karta hai, waise hi RBI ROA check karke banks ki health dekhti hai! 👨‍⚕️📊

PCA yani **Prompt Corrective Action** framework ek aisa **regulatory tarika** hai jo banks ke **financial kamzoriyon** ko badi musibat banne se pehle hi pakad leta hai! 🕵️‍♂️💪 Iska main kaam hai: - Banks ki **halat** ko monitor karna - **Asset quality**, **capital levels**, aur **management** ki kamzoriyon ko pehchanna - In problems ko **jald se jald** theek karna Yaad rakhna, PCA ek tarah ka **financial doctor** hai jo bank ko **bimaar** hone se bachata hai! Taki hamara paisa **safe** rahe aur koi bada **financial crisis** na ho jaye. 🏥💰

Banking world mein PCA yani **Prompt Corrective Action** ek superhero ki tarah kaam karta hai! 🦸‍♂️💼 Ye kya karta hai? - Banks ko financial problems se bachata hai - Unki health check karta rehta hai - Agar koi problem dikhe, to turant action leta hai Socho, PCA ek strict doctor hai jo: - Banks ke Capital Adequacy Ratio (CAR) ko check karta hai - Agar bank kamzor dikhe, to usko turant dawai deta hai 💊 - Isse pura banking system healthy rehta hai 💪 Yaad rakhna, PCA banking system ka bodyguard hai! Ye dekhta hai ki koi bank trouble mein na pade, aur agar pade to use jaldi se bacha liya jaye. Agar koi aapse puche "Banks ko kaun protect karta hai?", to bol dena "PCA - Prompt Corrective Action!" 😎🏦

**Prompt Corrective Action (PCA)** depositors ke liye indirectly faydemand ho sakta hai: - PCA ek framework hai jo banks ki financial weaknesses ko address karta hai 🛠️ - Ye problems ko bade crisis banne se pehle hi tackle karta hai 🚧 - Bank ki overall financial health improve hoti hai 💪 - Jab bank healthy hota hai, to fail hone ka chance kam hota hai 📈 - Indirectly, ye depositors ke paise ki safety increase karta hai 🛡️ Yaad rakhein: PCA ek tarah ka financial doctor hai jo bank ko fit rakhta hai, taki aapka paisa safe rahe!

CRAR yani **Capital Adequacy Ratio** banking ki duniya mein ek bahut important cheez hai! 🎢 - Ye batata hai ki bank kitna **mazboot** hai - Iska matlab hai, bank ke paas kitna paisa hai uske **risky investments** ke hisaab se - Jitna zyada CRAR, utna hi safe bank! 💪 Agar bank ka CRAR kam ho gaya, to samjho bank ki **halat kharab** ho sakti hai. Isliye RBI isko bahut closely dekhta rehta hai. 👀