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Thursday, February 26, 2015

DAILY FREE CURRENT AFFAIRS 26 FEBRUARY 2015

DAILY CURRENT AFFAIRS 26 FEBRUARY 2015
Shared By: WWW.DailyGk.IN
                                               
1.      LIFE IMPRISONMENT FOR  ABU SALEM:
Ø  Abu salem gets Life Imprisonment.
Ø  Abu Salem was found guilty for the murder of Mumbai based Builder Pradeep Jain.
Ø  Abu Salem along with two others was found guilty in a 20 year old case.

2.      TRAI AMENDS REGULATIONS:
Ø  TRAI amends regulations for PAN INDIA MOBILE NUMBER  PORTABILITY(MNP)
Ø  TRAI has issued the sixth amendment to the telecommunication Mobile Number Portability Regulation, 2009.
Ø  TRAI ---- Telecom Regulatory authority of India.
Ø  Rahul Khullar is the Chairman of TRAI.
EXPECTED QUESTION FROM THIS CURRENT AFFAIRS NEWS
1)    Where is the Headquarter of TRAI?
A)    New delhi
B)    Mumbai
C)     Bangalore
D)    Kolkata

3.      RBI ISSUES GUIDELINES FOR PMJDY:
Ø  RBI issues guidelines to PSB’s regarding PMJDY.
Ø  RBI kept Overdraft facility under PMJDY under Priority Sector Lending.
Ø  Overdraft facility available to PMJDY is Rs.5000 But for only those account holders which have opened their account under PMJDY and kept it active for atleast 6 months.
Ø  PMJDY--- PradhanMantri Jan DhanYojna.
Ø  Current Priority Sector Lending rate for PSB is 40%
EXPECTED QUESTION FROM THIS CURRENT AFFAIRS NEWS
1) What is rate of priority sector lending for psb?
A)    37%
B)    40%
C)     42%
D)    50%



BANKING GK FACTS RELATED TO THE RTGS AND NEFT - BANKING GK

GURU  GYAN
NEFT & RTGS COMPARISON

NEFT
National Electronic Fund Transfer
1.     RBI ROLE:Reserve Bank of India does not play any major role in NEFT.
2.     TRANSACTION LIMIT: There is no upper and lower limit in NEFT.
3.     NEFT enables Fund transfer from one Bank to another on a Deferred Net Settlement (DNS) basis, which settles transactions in batches.
4.     CHARGES: There are 4 slabs in it:-
A.    For transactions Upto Rs. 10000
                   -> Rs. 2.50 + (Service Tax).
B.    For transactions above Rs. 10000 & upto Rs. 1lakhs-> Rs. 5 + (Service Tax)
C.     For transactions above Rs. 1lakh and Upto Rs. 2lakhs-> Rs. 15 + (Service Tax)
D.    For transactions above Rs. 2lakhs 
                  -> Rs. 25 + (Service Tax)
5.     TIME LIMIT: Through NEFT the transaction is completed either on the same day on the next working day.
6.     WORKING HOURS:NEFT transaction timing in each Bank is 9:00 A.M to 7:00 P.M. for weekdays and 8:00 A.M. to 1:00 P.M. on Saturday.
RTGS
Real Time Gross Settlement
1.     RBI ROLE :Reserve bank of India acts as a Middle man in RTGS.
2.     TRANSACTION LIMIT: There is no upper Limit for RTGS transaction but a minimum amount of Rs. 2lakhs is required.
3.     RTGS is a fund transfer system where transfer of money or securities takes place from one bank to another on a “Real time and Gross” basis.
4.     CHARGES: Rs. 30 per transaction is charged for Rs. 55 for amount exceeding 5 Lakhs.
5.     TIME LIMIT: Through RTGS, the transaction is to be completed within 30 minutes.
6.     WORKING HOURS :RTGS transaction timing in every Bank is 8:00 A.M. to 8:00 P.M. for weekdays and for Saturday it is 8:00 A.M. to 3:30 P.M.
 

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