Key Points: RBI's ICRR Policy

ICRR Purpose

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ICRR Definition

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NDTL Explained

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ICRR Calculation

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Time Frame

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Liquidity Management

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Financial Stability

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Impact on Banks

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Impact on Borrowers

[{"selector":"#anim-c9409d38-23d3-4eff-b548-1bbba92461be","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1461b1e5-fcdc-41f2-9f1d-2ae7ed931185","keyframes":{"transform":["translate3d(-49.62964%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e07dcec-1d57-45e3-b319-03a48628495a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-df352d9c-a752-45fd-96e8-23ad237d304c","keyframes":{"transform":["rotate(-181deg) translate3d(50.37036%, 0px, 0) rotate(181deg)","rotate(-181deg) translate3d(0px, 0px, 0) rotate(181deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dca4976e-4ba7-49e4-9efc-227d2069937f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f1a86efc-a363-4d18-bc22-5c15b649c61d","keyframes":{"transform":["translate3d(0px, -185.64817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3e1b79be-a2a2-48a4-929c-abd38db3de8e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49fa7cca-21b2-4216-953e-da8526c8be45","keyframes":{"transform":["translate3d(0px, 158.19736%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e38d82b9-8933-4a48-8d11-7cdf736051df","keyframes":{"transform":["translate3d(115.14195%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8c331e42-2416-424f-aa9b-3b0ba89008aa","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] Arrow Arrow

Conclusion

[{"selector":"#anim-c8b61a22-41fa-4a59-86d4-c1a488f5300c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8706ea88-b91f-4904-86aa-55343de82bc2","keyframes":{"transform":["translate3d(-49.62964%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-acd18b5a-3f93-4c7b-9e48-9f7328c22886","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d796272e-3d11-4404-8218-c2de7f052bef","keyframes":{"transform":["rotate(-181deg) translate3d(50.37036%, 0px, 0) rotate(181deg)","rotate(-181deg) translate3d(0px, 0px, 0) rotate(181deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-19564ca9-fe6e-4f3b-b5b0-818d73de1505","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-21b45e5a-ac32-4ef7-988b-017a7d8b713e","keyframes":{"transform":["translate3d(0px, -345.15357%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ede999e-8500-40e0-a5e5-1c209e0fca65","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a4642130-885c-4158-a1f2-9d517439d8ec","keyframes":{"transform":["translate3d(0px, 224.73802%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-84ea74da-cecc-48b4-8924-3c58b88a4a55","keyframes":{"transform":["translate3d(115.14195%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-c73aacac-4163-401e-9f2d-6a732ef3e9dc","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-7b42fad4-0378-4e4f-9761-9ad8e6c85cb5","keyframes":{"transform":["scale(1)","scale(1.5)","scale(0.95)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] Arrow Arrow

Key Points: RBI's ICRR Policy

ICRR Purpose

RBI's ICRR controls inflation and maintains financial stability in India's banking system.

ICRR Definition

It's a temporary RBI mandate for banks to reserve a percentage of incremental deposits.

NDTL Explained

NDTL includes demand and time deposits in a bank's liabilities.

ICRR Calculation

ICRR is a percentage based on the growth in a bank's NDTL.

Time Frame

ICRR is enforced temporarily, often for six months to a year.

Liquidity Management

ICRR helps manage liquidity to prevent inflation.

Financial Stability

It ensures the financial system can withstand shocks.

Impact on Banks

ICRR can reduce bank profits and limit liquidity.

Impact on Borrowers

Borrowers may face higher interest rates and stricter lending criteria.

Conclusion

ICRR is vital but has drawbacks for banks and borrowers.

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