Banks ka main kaam kya hota hai? 🏦💼 Option: Financial markets ko regulate karna aur compliance enforce karna, Payments facilitate karna aur currency exchange karna, Investment advice dena aur portfolio manage karna, Paisa jama karna aur loan dena

Banks ka asli kaam hai **paisa jama karna aur loan dena**. Ye process, jise **financial intermediation** kehte hain, poori economy ko chalata hai. - Banks savers aur borrowers ke beech **dalaal** ki tarah kaam karte hain 💰 - Ye paise ka flow maintain karte hain, jisse investment aur economic growth badti hai 📈 - Baaki options bhi finance se related hain, par ye banks ka main kaam nahi hai Yaad rakhein, bank aapke paise ko safe rakhte hain, aur phir us paise ko doosron ko loan dete hain. Isliye, jab aap bank mein paise jama karte hain, to aap bhi indirectly economy ko boost kar rahe hote hain! 🚀

Bank walo ki neend udane ke liye bas ek cheez kaafi hai - **borrowers ka loan repayments default karna**! 😱💸 Ye bank ke liye nightmare kyu hai: - **Loan defaults** se bank ke **non-performing assets** badhte hain - Bank ko **loan loss provisions** ke liye extra paise rakhne padte hain - Bank ki **profitability** par direct hit lagta hai Samjho aise: - Bank loan deta hai, interest kamata hai 💰 - Par agar log loan nahi chukaye, to bank ka paisa doob jata hai 🏊‍♂️ - Fir bank ko apne hi paise se losses cover karne padte hain 😖 Isliye, jab bhi loan lo, time pe chukao. Warna sirf aapka नहीं, pure banking system ka BP high ho jayega! 📈🥵

Banks sirf loan dene wale uncle nahi hain, ye to full-on business tycoons hain! 🕴️💼 Banks ka ek zabardast income source hai: - **Mutual funds aur insurance policies bechna** - Isse unhe mota **commission** milta hai Ye kaise kaam karta hai? - Bank apne customers ko third-party financial products offer karte hain - Jab koi customer khareedta hai, bank ko commission mil jata hai - Win-win situation: Customer ko product milta hai, bank ko extra income! Toh agali baar jab bank wale aapko koi mutual fund ya insurance offer karein, to samajh lena - unka commission bhi stake pe hai! 😉💰

RBI ne socha, "Basel-III norms? Ye to bacchon ka khel hai. Hum isse bhi zyada strict banenge!" 💪🏦 **RBI extra strict kyun hai?** - 🎢 Developing economy = More ups and downs - 🛡️ Zyada regulations = Better protection - 🌱 Young financial system ko strong support **Kuch important points:** - 🌍 Global standards important hain, par India ki special needs bhi hain - 💼 Stricter norms se banks more resilient bante hain - 🏘️ Ye sirf banks ko nahi, pure economy ko protect karta hai **Isse kya fayda hota hai?** - 🛡️ Financial shocks se better protection - 💰 Aam aadmi ke paise ki zyada safety - 🚀 Long-term mein stable growth Toh jab bhi RBI ke strict rules ke baare mein suno, yaad rakhna ke ye humare economy ke liye extra cushion hai. Safety first, growth follows!

RBI ne socha, "Basel-III norms? Ye to bacchon ka khel hai. Hum isse bhi zyada strict banenge!" 💪🏦 **RBI extra strict kyun hai?** - 🎢 Developing economy = More ups and downs - 🛡️ Zyada regulations = Better protection - 🌱 Young financial system ko strong support **Kuch important points:** - 🌍 Global standards important hain, par India ki special needs bhi hain - 💼 Stricter norms se banks more resilient bante hain - 🏘️ Ye sirf banks ko nahi, pure economy ko protect karta hai **Isse kya fayda hota hai?** - 🛡️ Financial shocks se better protection - 💰 Aam aadmi ke paise ki zyada safety - 🚀 Long-term mein stable growth Toh jab bhi RBI ke strict rules ke baare mein suno, yaad rakhna ke ye humare economy ke liye extra cushion hai. Safety first, growth follows!

CRR badhna matlab economy mein thodi 'tight' situation ho sakti hai! 😰💸 **CRR kya hota hai?** - Ye wo percentage hai jo banks ko apne total deposits mein se reserve rakhna hota hai - RBI (Reserve Bank of India) decide karti hai CRR kitna hoga **CRR badhne se kya hota hai:** - Banks ke paas kam paise bachte hain loan dene ke liye - Isse overall economy mein **money supply kam** ho jati hai **Iska asar:** - Loans milna mushkil ho jata hai - Businesses aur individuals ke liye borrowing expensive ho jati hai - Investment aur spending kam ho sakti hai - Economy ka growth slow ho sakta hai Yaad rakhein, CRR ek tool hai jisse RBI economy ko control karne ki koshish karti hai. Kabhi zaroorat padti hai brake lagane ki, to kabhi accelerator dabane ki! 🚗💨