Bank ke liye high CASA ratio ka kya matlab hota hai? 🏦💰 Option: Bank ke paas bahut saare saste deposits hain, Bank ke fail hone ka risk bahut zyada hai, 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! 🤔💭

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. 👀

Risk-weighted assets (RWAs) aur capital adequacy ratio (CAR) ka rishta bilkul cricket match mein run rate aur required runs jaisa hai! 🏏💼 **Kya hota hai ye sab?** - **RWAs**: Bank ke assets ka risk level - **CAR**: Bank ke paas kitna safety cushion hai **Asal mein kya hota hai:** - Zyada risky assets = Zyada RWAs - Zyada RWAs = Bank ko zyada capital rakhna padta hai - Ye bilkul opposite hai question ke pehle option ke! **Yaad rakhne wali baatein:** - CAR ko "capital-to-risk-weighted-assets ratio" bhi kehte hain - Higher risk = Higher capital requirement - Ye bank ki financial stability ensure karta hai Toh, jab bhi aap bank ke baare mein sochein, yaad rakhein: "Jitna zyada risk, utna zyada capital. Bank bhi kabhi 'Bina risk ke ishq nahi karta!'" 😄🏦💖

High CIBIL Score se generally loans par interest rates kam ho jaate hain. Ye baat yaad rakhiye, accha CIBIL Score aapke liye paise ki bachat ka raasta khol sakta hai! 💰🎉 **CIBIL Score aur Creditworthiness ka Connection:** - CIBIL Score aapke credit history aur repayment behavior ka 3-digit numerical representation hota hai - Lenders isko aapki creditworthiness assess karne ke liye use karte hain **Kam Risk, Kam Interest:** - High CIBIL Score (typically 750 ya usse zyada) lenders ko signal deta hai ki aap responsible credit manager hain - Kam risk = Kam interest rates! Simple si baat hai! **Negotiating Power:** - Accha CIBIL Score aapko lenders se better terms negotiate karne ki power deta hai - Aap kam interest rates aur better repayment options ke liye bargain kar sakte hain Yaad rakhiye, jaise aap apne ghar ko saaf rakhte hain, waise hi apne CIBIL Score ko bhi chamkate rahiye! 😉🌟

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! 🩺💼