રિઝર્વ બેંક વાર્ષિક અહેવાલ: -

રિઝર્વ બેંક વાર્ષિક અહેવાલ: -

જનસંખ્યાકરણ અને નકલી ચલણ-
https://youtu.be/35EnijBFSIs

એવું જાણવા મળ્યું છે કે પરિભ્રમણ 15.41 લાખ કરોડ રૂપિયામાંથી, આરએસ 15.31 લાખ કરોડ પાછા ફર્યા છે. તેનો મતલબ એ થયો કે આશરે 99.3% ભંડોળ આરએસના સ્વરૂપમાં પરત કરવામાં આવ્યું હતું. 500 અને આરએસ 1000 નોંધ આરએસ આ નોંધના 10000 કરોડ આરબીઆઇ વેલ્થમાં પહોંચ્યા નથી. હવે બેન્કોમાં એકીકૃત થાપણો અંગે તપાસ ચાલી રહી છે.

આરએસના બનાવટી નોટમાં વધારો થયો હતો. 500, આરએસ 2000 અને આરએસ પરિભ્રમણમાં 50 જો કે, 2017-2018માં નકલી કરન્સીની સંખ્યા 2016 થી 2017 સુધીમાં 762,076 થી ઘટીને 522,783 થઈ ગઈ છે. તેનો મતલબ 2016-17 માં કુલ નકલી નોટોના પરિબળોમાંથી અડધો ભાગ (રૂ 23 કરોડ) થયો છે.

બચત અને ડિજિટલ ચુકવણી-
https://youtu.be/0ow3UzmeIn0

જનનિર્માતાએ ઘરની ડિસ-બચત વધારીને 2.8% કરી છે, જેનો મતલબ છે કે ગ્રોસ નેશનલ ડિસ્પોઝલ ઇનકમ [જીએનડીઆઈ] માંથી લોકોમાંથી ડિપોઝિટ ઘટીને 2% થઈ છે. નાણાકીય ક્ષેત્રની ઘરેલુ બચત 2017-18માં વધીને 11.1 ટકા થઈ છે, જે 2016-17માં 9.1 ટકા (11.8 ટકાના સુધારેલા) માં થઈ છે. જનસંખ્યાકરણ લોકોને લોકોને કેશલેસ મોડમાં લાવી શક્યો ન હતો.

જનરેટિંગે ડિજિટલ ચુકવણીમાં વોલ્યુમમાં 45% અને મૂલ્યમાં 28% નો વધારો કર્યો છે. ડિડાટાઇઝેશન પછી, ડિજિટલ ટ્રાન્ઝેક્શનની કિંમત 25% થી વધુ છે. અહીં આપણે વિકાસ અને મૂલ્યને એક સાથે વધારીને જોઈ શકીએ છીએ.

આરબીઆઈએ આરએસનો ડિવિડન્ડ ચૂકવ્યો છે. કેન્દ્ર સરકારને 50000 કરોડ અને આરએસના વચગાળાના ડિવિડન્ડ. 2017-18માં 10000 કરોડ આરબીઆઈએ સિક્યોરિટીઝમાં અવમૂલ્યન સાથે નિકાલ માટે રૂ. 14,190 કરોડની રકમ અલગ કરી છે, રૂપિયાના મૂલ્યાંકનને કારણે બદલાવો અથવા નુકસાનનું વિતરણ કર્યું છે અને ક્રૂડ ઓઇલના ભાવ પણ વધ્યા છે, ફુગાવાની કિંમતને પૂરતાં સુધી. વિકાસ અને આકસ્મિક ભંડોળ 10% જેટલું નજીક હોવું જોઈએ, કારણ કે ભારત અલ નિનોની અસરોને સામનો કરી રહ્યું છે, પરંતુ સરવૈયામાં, આપણે જોઈ શકીએ છીએ કે ફાળવણી માત્ર 7% છે.

પીએનબી ફિયાસ્કો એન્ડ એનપીએ-
https://youtu.be/SrIvo88nJqM

પંજાબ નેશનલ બેન્ક ફિયાસ્કો અને અન્ય એનપીએના લગભગ આરએસ છે. 41,000 કરોડ અને ડિફોલ્ટ કેસોની સંખ્યા 2017-18માં વધીને 5835 થઈ છે, જ્યારે સરેરાશ 10 વર્ષ માટે 4500 કેસો છે.

માર્ચ 2018 ના અંત પછી, અમે આરએસમાંથી બહાર છીએ 100, આરએસ 12 ને બેંકો દ્વારા ખરાબ ધિરાણ ગણવામાં આવે છે. આરએસના વર્ષ પછીના ભાગમાં આ વધારો થશે. 1.7 લાખ કરોડનું મૂડીરોકાણ વીજક્ષેત્રમાં કરવામાં આવ્યું છે જેને ખરાબ લોન્સ તરીકે ઉમેરવામાં આવશે. તેથી, ખરાબ લોન્સ પાછળથી વધી રહી છે

વિકાસ દર અને છૂટક ઇન્ફ્લેશન-
https://youtu.be/VNXgHF-_gyg

નાણાકીય વર્ષ 2019-20 સુધી ભારતના જીડીપી વૃદ્ધિનો અંદાજ 7.4 ટકા જેટલો છે. આ વૃદ્ધિ ગ્રામીણ અને શહેરી વપરાશ, રોકાણ અને નિકાસ દ્વારા સંચાલિત છે. પરંતુ વૈશ્વિક અર્થતંત્રમાં વેપાર યુદ્ધ ઝૂમતું હોવાથી, નિકાસમાં વૃદ્ધિ શંકાસ્પદ સ્થિતિમાં છે.

બેન્કિંગ ક્ષેત્રથી વ્યાપારી ક્ષેત્રમાંથી ફંડ પ્રવાહના 43%, 2017-18 માં સારો સંકેત છે, જયારે 2016-17 માં ફંડનો પ્રવાહ 26.7% હતો. ખરાબ લોનના મુદ્દાઓ ઝડપથી સ્થગિત થવું જોઈએ અને બેન્કોને પુનઃરૂપરેખાંકિત હોવા જોઈએ. જ્યાં સુધી સિસ્ટમને સુધારવામાં ન આવે ત્યાં સુધી, રિપેટિટાઇઝેશનનો કોઈ ઉપયોગ થતો નથી.

આરબીઆઇના છૂટક ફુગાવાના લક્ષ્યાંકને જુલાઈથી સપ્ટેમ્બર, 2018 સુધી 4.6% ગણવામાં આવે છે; 2018 થી માર્ચ 2019 સુધીના 4.8 ટકા અને 2019 ના પ્રથમ ક્વાર્ટરમાં 5 ટકા.

রিজার্ভ ব্যাংক বার্ষিক প্রতিবেদন: -

রিজার্ভ ব্যাংক বার্ষিক প্রতিবেদন: -

ডেমোটেইটিজেশন এবং জাল মুদ্রা-

এটা দেখা গেছে যে 15.41 লক্ষ কোটি টাকার প্রচলন অর্থ, আরএস 15.31 লক্ষ কোটি টাকা ফেরত এসেছে। এর অর্থ দাঁড়ায় 99.3% তহবিলের RS এর আকারে ফেরত আনা হয়েছিল। 500 এবং আরএস 1000 নোট Rs। এই নোটের 10000 কোটি টাকা রিজার্ভ ব্যাঙ্কের কাছে পৌঁছেনি। এখন ব্যাংকগুলিতে লংমুম আমানত সংক্রান্ত তদন্ত চলছে।

আরএস এর জাল নোট বৃদ্ধি ছিল 500, আরএস ২000 এবং আরএস 50 প্রচলন মধ্যে। যাইহোক, সনাক্ত জাল মুদ্রা সংখ্যা 2017-2018 মধ্যে 2016- 2017 থেকে 522,783 টুকরা 762,076 টুকরা থেকে হ্রাস করা হয়েছে এর অর্থ হল ২016-17 সালে প্রচলন করা মোট নকল নোটগুলি থেকে অর্ধেক (২3 কোটি টাকা) হ্রাস করা হয়েছে।

সঞ্চয় এবং ডিজিটাল পেমেন্ট-
ডেমোটাইটিজেশনের ফলে বাড়ির ডিপ-সেভড ২.8% বৃদ্ধি পেয়েছে, যার মানে গ্রস ন্যাশনাল ডিসপোজাল ইনকাম [জিএনডিআই] এর মধ্যে ২% হ্রাস পেয়েছে। ২017-17 অর্থবছরে 9.17% (11.8% সংশোধিত) থেকে ২017-17 অর্থবছরে আর্থিক খাতে পরিবার সঞ্চয় বেড়েছে 11.1%। আদমশুমারি জনগণকে নগদহীন মোড এনেছে না

ডেমোটাইটিজেশন ভলিউমে 45% এবং মূল্যের ২8% ডিজিটাল পেমেন্ট বৃদ্ধি করেছে। ডিজিটাল লেনদেনের মূল্য ২5% এর উপরে। এখানে আমরা বৃদ্ধি এবং মান একসঙ্গে ক্রমবর্ধমান দেখতে পারেন।

ভারতীয় রিজার্ভ ব্যাংক আরএস এর একটি লভ্যাংশ প্রদান করেছে কেন্দ্রীয় সরকারের কাছে 50000 কোটি টাকা এবং আরএস এর অন্তর্বর্তীকালীন লভ্যাংশ 2017-18 সালে 10000 কোটি টাকা ভারতীয় রিজার্ভ ব্যাংক সিকিউরিটিজে অবমূল্যায়নের সঙ্গে সামঞ্জস্য করার জন্য মুদ্রা তহবিলের জন্য 14,490 কোটি টাকা বরাদ্দ করেছে, রুপী বিক্রিয়ার কারণে বৈদেশিক পার্থক্য বা ক্ষতি আদায় করে এবং এমনকি অশোধিত তেলের মূল্যও বেড়ে যায়, যা মুদ্রাস্ফীতির খরচের জন্য যথেষ্ট। ভারত এল নিনোর পরবর্তী প্রভাবের সম্মুখীন হলে ডেভেলপমেন্ট এবং কন্টিংজেন্সি ফান্ডটি অবশ্যই 10% এর কাছাকাছি হওয়া উচিত, তবে ভারসাম্যহীনতার মধ্যে আমরা দেখতে পারি বরাদ্দ মাত্র 7%।

পিএনবি ফিয়াসকো এবং এনপিএ-
পাঞ্জাব ন্যাশনাল ব্যাঙ্ক ফায়াস্কো এবং অন্যান্য এনপিএর মোট পরিমাণ প্রায় Rs। ২011-1২ সালে 41,000 কোটি টাকা এবং ডিফল্ট মামলা সংখ্যা বেড়ে 5835 টিতে উন্নীত করা হয়েছে, যা গড়ে 10 বছরের জন্য 4500 টি মামলার তুলনায়।

মার্চ 2018 এর শেষে, আমরা আরএস দেখতে পাই 100, আরএস 1২ টি ব্যাংক কর্তৃক খারাপ ঋণ দেওয়া হয়। এই বছরের শেষে অংশ হিসাবে RS হিসাবে বৃদ্ধি করা হবে। 1.7 লক্ষ কোটি টাকায় বিদ্যুৎ খাতে বিনিয়োগ করা হচ্ছে খারাপ ঋণ হিসেবে যোগ করা। সুতরাং, খারাপ ঋণ পরে বৃদ্ধি করতে যাচ্ছে।

বৃদ্ধি হার এবং খুচরা মুদ্রাস্ফীতি-
২01২-র আর্থিক বছরে ভারতের জিডিপি বৃদ্ধির প্রবণতা 7.4% বলে মনে করা হয়। এই বৃদ্ধি গ্রামীণ এবং শহুরে খরচ, বিনিয়োগ এবং রপ্তানি দ্বারা চালিত হয় কিন্তু বিশ্বজুড়ে বাণিজ্যযুদ্ধ জুমানো হচ্ছে, রপ্তানি বৃদ্ধি হচ্ছে সন্দেহজনক অবস্থানে।

ব্যাংকিং সেক্টর থেকে বাণিজ্যিক খাতে 43% তহবিলের প্রবাহ, ২017-18 সালে একটি ভাল সাইন ইন, যখন ২016-17 সালে তহবিলের তহবিলের পরিমাণ ছিল ২6.7%। খারাপ ঋণের বিষয়গুলি দ্রুত নিষ্পত্তি করা উচিত এবং ব্যাংকগুলিকে পুনর্গঠিত করা উচিত। যতক্ষণ না সিস্টেম সংশোধন করা হয়, রিপাটিটিজেশন কোনও কাজে ব্যবহার করা হয় না।

আরবিআই এর খুচরা মূল্যস্ফীতি লক্ষ্যমাত্রা 4.6% জুলাই থেকে সেপ্টেম্বর, 2018 বলে মনে করা হয়; ২014 সালের অক্টোবর থেকে 4.8%, ২018 থেকে মার্চ ২019 পর্যন্ত এবং ২019 সালের প্রথম ত্রৈমাসিকে 5%।

Indian Reserve Bank Annual Report

Reserve Bank Annual Report:-

Demonetization & Fake Currency-

It has seen that out of 15.41 Lakh Crore money in circulation,  RS. 15.31 Lakh Crore has been returned. That means about 99.3% of the funds were returned in the form of RS. 500 and RS. 1000 note. RS. 10000 Crore of this notes did'nt reach RBI vault. Now probes are going on regarding lumpsum deposits in banks.

There was a rise in fake notes of RS. 500, RS.2000 and RS. 50 in circulation. However, the number of fake currencies detected has decreased from 762,076 pieces in 2016- 2017 to 522,783 pieces in 2017-2018. That means out of total fake notes in circulation in 2016-17, has been reduced to half (RS. 23 Crore).

Savings & Digital Payment-
Demonetization has increased the dis-savings of household to 2.8%, which means deposits from people has reduced to 2% out of Gross National Disposal Income[GNDI]. Household savings in financial sector has-been increased to 11.1% in 2017-18 from 9.1% in 2016-17 (revised of 11.8%). Demonetization did'nt bring people to cashless mode.

Demonetization has made the increase of digital payment to 45% in volume and 28% in value. After demonetization, the value of digital transaction is above 25%. Here we can see growth and value growing together.

RBI has paid a dividend of RS. 50000 Crore to the Central Government plus an interim dividend of RS. 10000 Crore in 2017-18.  RBI has set aside RS.14,190 Crore as contingency fund to cope with depreciation in securities, exchange differences or losses due to rupee depriciation and even price of  crude oil goes up, to suffice the inflationary cost. Development and contingency fund must be near to 10% as India is facing the after-effects of El Nino, but in balance sheet, we can see the allocation is just 7%.

PNB Fiasco & NPA-
Punjab National Bank Fiasco and other NPA's are in total about RS. 41,000 Crore and the number of defaulted cases has been increased to 5835 cases in 2017-18 compared to 4500 cases, for an average of 10 years.

After the end of March 2018, we see out of RS. 100, RS. 12 has been considered bad lending by the banks. This will be increasing in later part of the year as RS. 1.7 Lakh Crore of Investment done in power sector is going to be added as bad loans. So, bad loans are going to increase later.

Growth Rate & Retail Inflation-
The projection of GDP growth of India is considered to be 7.4% till the fiscal 2019-20. This growth is powered by rural and urban consumption, investment and exports. But as trade war is zooming in world economy, growth in export is in questionable position.

43% of fund flows from banking sector to commercial sector, is a good sign in 2017-18, whereas in 2016-17, the fund flow was 26.7%. Bad loan issues must be settled faster and banks must be recapitalized. Unless system is not corrected, recapitalization is of no use.

RBI's retail inflation target is considered to be 4.6% from July  to September, 2018; 4.8% from October, 2018 to March, 2019 and 5% in the first Quarter of 2019.

Indian Prime Ministerial Candidate Wants Indian Students to Join Terrorist Group ISI

Indian Prime Ministerial Candidate Wants Indian Students to Join ISI Group

This is the comment given by none other than Rahul Gandhi in Germany, which characterised his character. How can this be your Prime Minister? If you want this people to become the minister of India, what will happen to India.

His forefather J. Nehru became the Prime Minister of India, and now India is the slave of British. Jammu & Kashmir issue is eating about 5% of tax money every year.

In the Prime Minister ship of Manmohan Singh, about 26,00,000 crore of scam were there. If you multiply by 4, that much money has been lost from Indian Account.

So vote for Government who is doing work like BJP. Vote for BJP.

Reserve Bank Must Keep The Interest Rate Stable

Reserve Bank Must Keep The Interest Rate Stable.

Reserve Bank Must Keep the interest rate Stable b'coz that the economy is going to take off. This is due to slackness in Industrial production will get a boost to move forward.

Economy can have more interest rate as real estate sector is suffering, due to black money which was investing in this sectors were now not flowing. So keep the interest rate Stable so that more houses can be purchased.

Demonetization, GST has been completed and business people are worried about, Whatz next?

So no more worries and let them settle down, peacefully.

India is Incredible

Won the first gold in IAAF championship

Thanks for all the help from PM Narendra Modi...

https://youtu.be/trnnapG4-AM

Tarunam Khaitan, Oxford Educated Analyses The Democracy from the data obtained by Culprit media

Dear Tarunam khaitan, Oxford educated and foreign educated, analyst, tells us democracy has to live like this without interference. Neither the press must be curtailed, nor people has been curtailed, nor religion must be curtailed, etc.

Mr dear Oxford chap, we are in 21st century, we know what the press do???

When India is growing at the rate of 7-8%, the whole India is laid by high end infrastructure, demonetization curtailed almost the illegal trade, GST made the whole India accountable, Education system is revamping, we attacked terrorist at their base, we released nurses from Iraq, by challenging ISIS, held China backward by standing Stern at Doklam, agriculturists getting money in their bank account, Now J&k problem is solved, when we are hunting the terrorist, what else an Oxford person wants????

A country is not run by emotions, and about press and newspaper, why all the newspaper tycoons are billionaires. How they made this much much money, which is unaccountable. So they must require freedom to manipulate money, manipulate politics, etc. This is not possible in today's world. Donald Trump put constraints on newspaper, still they are working....when press talks about dis-harmony, after getting fat from Congress, is this the press policy???  For the last 70, my dear Oxford was sleeping, not even any analysis came about Congress, why, b'coz now the country is going right and you and your filthy paper don't want the country to go right.

Is Congress not ruling like a Mughal Kingdom:- it's sad that starting from Nehru till now, Congress is running a Mughal empire. When that empire is breaking, why you people are worried. Rahul Gandhi is having Rs. 75000 CR in his Swiss bank account in different name, British national. Why is he worried about India and when he talks, he talks about prime Ministership. How sonia gandhi and Rajiv Gandhi amassed this money outside. I'm a deep follower of Rajiv Gandhi, because he made India a digital India.

Indian Constitution must change, we don't want copied Constitution, By Ambedkar.

Useless press just making money from Congress must be stopped.

Can you tell me did Congress did a fair election when they were in power?? Answer is no and never. Now still fair election and electronic election is taking place. If BJP is winning means they are working hard. All ministers are working day and night. What Congress was doing, they too were working to amass the wallet.

Education system was a gone case at the time of Congress. If you take the example of Karnataka, Rahul Gandhi selected a 8th STD person as education Minister. My dear Oxford, we are not highly educated like you but fairly educated.

Now in Modijis era, collector is going to the house and provides pension. You read my just published blog of the people, for the people and by the people. Why people were suffering for the last 70 years!!!!

Now the Ruling Govt nor the party ministers are controlling any department, not any council, nor any election Commission, either any commissions. All the NPAs of the bank are the gift of Dr. Manmohan Singh. Keep on feeding, till you get feeded. Today Chandha Kochar ICICI has told that Rs. 6000 CR NPA is there??? This is what Congress gives and will be giving, we don't want that!!!!

Now about your analysis, if you are putting up an analysis, source must be declared. If you are not declaring means what I have to say that maybe you and your paper also takes money from Congress to tarnish BJP.

21st century requires good leader, more projects and more growth internationally and domestically. We are getting it....what else we want. Next time when you write your analysis taking from Facebook, media, etc, first check it whether it is real or not. India is highly educated than before and beware.....