Bank ke liye high CASA ratio ka kya matlab hota hai? 🏦💰 Option: Bank ke fail hone ka risk bahut zyada hai, Bank ke paas bahut saare saste deposits hain, Bank ke paas bahut saare non-performing assets hain, Bank mehenga external funding pe bahut depend karta hai

High CASA ratio ka matlab hai ki bank ke paas **bahut saare saste deposits** hain. Ye bank ki sehat ke liye achha sign hai! 💪 - **CASA** yani **Current Account Savings Account** - In accounts mein interest kam hota hai - Zyada CASA ratio = bank ke liye sasta paisa - Sasta paisa = zyada profit ka chance! **Yaad rakhne wali baatein:** CASA ratio, banking, saste deposits, funding costs, profitability, bank ki financial health

Chalo CASA ke baare mein baat karte hain, ye bank walon ka favourite word hai! 😄🏦 **CASA yani Current Account-Savings Account** * **Current Account:** Ye businesswalon ka favourite hai, jisme transactions ki koi limit nahi hoti * **Savings Account:** Ye aam janta ka pyaara, jisme thoda interest bhi milta hai **CASA deposits bank ke liye kyu important hain?** * Ye **saste aur stable funds** hote hain bank ke liye * Jitna zyada CASA, utna zyada maska bank ke balance sheet pe! 💰😎 **Kuch interesting facts:** * Banks hamesha try karte hain apna CASA ratio badhane ka * High CASA matlab bank ko kam interest dena padta hai depositors ko * Isliye aapko free services milti hain savings account pe, taaki aap apna paisa wahi rakho! Yaad rakhna, har cheez ke do pehlu hote hain. CASA acha hai bank ke liye, par aapke liye? Wo aap socho! 🤔💭

Chalo finance ke superhero, **Capital Adequacy Ratio (CAR)** ke baare mein baat karte hain! 🦸‍♂️💰 CAR ka formula: **Bank's Capital / Credit Exposure** Ye ratio kya batata hai? - Bank kitna **financially strong** hai 💪 - Kitne **losses absorb** kar sakta hai 🛡️ Isko aur bhi kehte hain: - **Capital-to-risk-weighted assets ratio** CAR zyada = Bank zyada stable 📊 - Economic downturns mein bhi mazboot rahega 🏋️‍♂️ - Credit risks se bhi nahi darega 🦁 Toh agle baar jab bank ka health check karna ho, CAR ko zaroor dekhna! 🩺💼

**CIBIL score** maintain karne ke liye, credit utilization ratio **30% se neeche** rakhna sabse accha hota hai. Ye ratio kya hota hai? * Aapke available credit mein se kitna percent aap use kar rahe hain * Ye aapke **CIBIL score** ka ek important factor hai **30% se neeche ratio rakhne ke fayde:** * Shows responsible credit management 📊 * Lenders ko lagta hai aap kam risky ho 🏦 * Aapka financial profile healthy dikhta hai 💪 **Yaad rakhein:** Credit card ko dahi handi samjho - thoda use karo, zyada nahi! Warna CIBIL score gir jayega aur loan lena mushkil ho jayega! 🪣💸

High Provision Coverage Ratio (PCR) yani "Bank ka Super Shield"! 🏦🛡️ Ye kya dikhata hai: * Bank **potential loan losses** ke liye achhe se taiyaar hai * Bank ne **risk management** ko seriously liya hai * Bank ne apne **non-performing assets** ke against kaafi paise side mein rakh diye hain Iska matlab: * Bank **conservative approach** apna raha hai * Unexpected losses aane par bhi bank **steady** reh sakta hai * Investors aur regulators ke liye ye **positive sign** hai Par yaad rakhna, zyada high PCR ka matlab ye nahi ki bank bilkul risk-free hai. Har coin ke do sides hote hain!

CIBIL score ke baare mein baat karte hain! Ye toh aapka financial report card hai! 📊🎓 **CIBIL score ka main kaam:** Kisi vyakti ki creditworthiness check karna 🕵️‍♂️💳 **Ye kaise kaam karta hai?** - CIBIL (Credit Information Bureau India Limited) data collect karta hai 📝 - Aapke saare loans aur credit cards ki information rakhta hai 💳🏦 - Is information se ek score generate karta hai (300-900) 🔢 **Accha score matlab:** - Loan milne ke chances zyada 👍 - Better interest rates 💰 - Credit card approval easy 💳 **Bura score matlab:** - Loan lena mushkil 😓 - High interest rates 💸 - Credit card rejection 🚫 **Yaad rakhne wali baatein:** - Regular payments maintain karo 📅 - Credit utilization kam rakho (30% se kam) 📊 - Multiple credit inquiries se bacho 🚫 Toh dosto, apna CIBIL score aise maintain karo jaise apni aankhon ki putli! Ye score accha rahega, toh aapka financial future bhi bright rahega! ✨💰