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भारतीय रिज़र्व बैंक की आधिकारिक वेबसाइट
भाषण
14 फ़रवरी 2001
Developmental Issues in Micro Credit
ByJagdish Capoor Deputy Governor, Reserve Bank of IndiaAt Reserve Bank of India, we are keenly interested in purveyance of credit to all those who need it, more for the small borrowers and the poorest of the poor the most. Micro Credit, therefore, has been a thrust area with us though the vehicles of credit extension have been under constant evolution over a period of time. Without a supportive regulatory environment, a continuum of institutions providing micro financ
Shri Jagdish Capoor,
Deputy Governor, Reserve Bank of India
ByJagdish Capoor Deputy Governor, Reserve Bank of IndiaAt Reserve Bank of India, we are keenly interested in purveyance of credit to all those who need it, more for the small borrowers and the poorest of the poor the most. Micro Credit, therefore, has been a thrust area with us though the vehicles of credit extension have been under constant evolution over a period of time. Without a supportive regulatory environment, a continuum of institutions providing micro financ
13 जून 2000
Changing Role of RBI: Agenda for Attention
Mr. Chairman and friends, I am grateful to the organisers of the Madon Memorial Lecture for inviting me to deliver this Lecture. That the contributions of Shri B.F. Madon are of lasting value is evident from the fact that although, over seventy years have elapsed since he passed away, lectures in his memory are organised, and the response is still overwhelming. There are several reasons why I feel especially elated at my association with this lecture series. First, Ma
Dr. Y. V. Reddy,
Deputy Governor, Reserve Bank of India
Mr. Chairman and friends, I am grateful to the organisers of the Madon Memorial Lecture for inviting me to deliver this Lecture. That the contributions of Shri B.F. Madon are of lasting value is evident from the fact that although, over seventy years have elapsed since he passed away, lectures in his memory are organised, and the response is still overwhelming. There are several reasons why I feel especially elated at my association with this lecture series. First, Ma
04 दिसंबर 1999
Future of Rural Banking
Respected Professor Khan, distinguished academics and friends, I am grateful to the Ram Reddy Memorial Trust for giving me an opportunity to deliver this endowment lecture. I knew Ram Reddy Sab since 1960 and, like some of you here, we developed abiding affection towards each other. To me, he was indeed, a friend, philosopher and guide in every sense of the word. He won people's heart, made academic contributions and built lasting institutions, and he achieved all thi
Dr. Y. V. Reddy,
Deputy Governor, Reserve Bank of India
Respected Professor Khan, distinguished academics and friends, I am grateful to the Ram Reddy Memorial Trust for giving me an opportunity to deliver this endowment lecture. I knew Ram Reddy Sab since 1960 and, like some of you here, we developed abiding affection towards each other. To me, he was indeed, a friend, philosopher and guide in every sense of the word. He won people's heart, made academic contributions and built lasting institutions, and he achieved all thi
16 सितंबर 1999
Structural Reforms in ARDBS : Issues and Prospects
Mr. Chairman, Ladies & Gentlemen,I am very happy to participate in this workshop and to deliver the inaugural address. I thank the organizers for this opportunity.Various measures of financial sector reform were initiated in India since 1991 and it is amply clear that these measures have now started producing durable results. In particular, these measures enabled the banking sector to face a number of challenges boldly. The prudential and supervision norms which w
Shri Jagdish Capoor,
Deputy Governor, Reserve Bank of India
Mr. Chairman, Ladies & Gentlemen,I am very happy to participate in this workshop and to deliver the inaugural address. I thank the organizers for this opportunity.Various measures of financial sector reform were initiated in India since 1991 and it is amply clear that these measures have now started producing durable results. In particular, these measures enabled the banking sector to face a number of challenges boldly. The prudential and supervision norms which w
07 नवंबर 2022
समावेशी और जिम्मेदार सूक्ष्म वित्त क्षेत्र की ओर यात्रा - एम राजेश्वर राव
Ladies and Gentlemen, At the outset, I would like to thank MFIN for inviting me to this event. In an earlier speech2 last year in October, I had highlighted some of the aspects typical to the borrowers and lenders in the microfinance sector. These related to over indebtedness of the borrowers, pricing of microfinance loans besides conduct related issues. I had also stressed that emerging dynamics in the microfinance sector as well as the concerns around customer prote
श्री एम.राजेश्वर राव,
उप गवर्नर, भारतीय रिज़र्व बैंक
Ladies and Gentlemen, At the outset, I would like to thank MFIN for inviting me to this event. In an earlier speech2 last year in October, I had highlighted some of the aspects typical to the borrowers and lenders in the microfinance sector. These related to over indebtedness of the borrowers, pricing of microfinance loans besides conduct related issues. I had also stressed that emerging dynamics in the microfinance sector as well as the concerns around customer prote
08 सितंबर 2022
समावेशी ऋण: अगला लक्ष्य - एम. राजेश्वर राव
Ladies and Gentlemen, I thank ASSOCHAM for inviting me to deliver this talk here today. The theme of this summit - “Financial Inclusion & Future of Financial Services in India - Vision 2030” is indeed contextual and relevant given the challenges we face at this juncture. The discussions around the issue at this summit should generate invigorating discussions and productive outcomes during the course of the day. Financial inclusion has always been an important poli
श्री एम.राजेश्वर राव,
उप गवर्नर, भारतीय रिज़र्व बैंक
Ladies and Gentlemen, I thank ASSOCHAM for inviting me to deliver this talk here today. The theme of this summit - “Financial Inclusion & Future of Financial Services in India - Vision 2030” is indeed contextual and relevant given the challenges we face at this juncture. The discussions around the issue at this summit should generate invigorating discussions and productive outcomes during the course of the day. Financial inclusion has always been an important poli
24 दिसंबर 2021
वित्तीय समावेश मौद्रिक नीति को मजबूती प्रदान करता है – माइकल देबब्रत पात्र
Prof. Errol D’Souza, Director, Indian Institute of Management, Ahmedabad or IIMA; Prof. Umakant Dash, Director, Institute of Rural Management, Anand or IRMA; Dr. Supriya Sharma, Partner-Insights, Centre for Innovation Incubation and Entrepreneurship or CIIE; representatives of the Bill & Melinda Gates Foundation (BMGF); faculty, students and staff of IIMA; and friends, I commend all of you on this laudable initiative of Financial Inclusion for Rural Transformation
डॉ. एम. डी. पात्र,
उप गवर्नर, भारतीय रिज़र्व बैंक
Prof. Errol D’Souza, Director, Indian Institute of Management, Ahmedabad or IIMA; Prof. Umakant Dash, Director, Institute of Rural Management, Anand or IRMA; Dr. Supriya Sharma, Partner-Insights, Centre for Innovation Incubation and Entrepreneurship or CIIE; representatives of the Bill & Melinda Gates Foundation (BMGF); faculty, students and staff of IIMA; and friends, I commend all of you on this laudable initiative of Financial Inclusion for Rural Transformation
27 अक्तूबर 2021
माइक्रो फाइनेंस: एम्पावरिंग ए बिलियन ड्रीम्स - श्री एम. राजेश्वर राव, उप गवर्नर, भारतीय रिज़र्व बैंक द्वारा - 27 अक्तूबर 2021 को - सा-धन राष्ट्रीय सम्मेलन में "वित्तीय समावेशन को पुनर्जीवित करने" पर दिया गया उद्घाटन भाषण
1. At the outset, I would like to thank Sa-Dhan for inviting me to deliver this inaugural address. The theme for this year - ‘Revitalizing Financial Inclusion’ is an important issue at the current juncture. The loss of livelihoods and hardships caused by the pandemic calls for a reinvigorated push towards financial inclusion and micro credit for vulnerable and disadvantaged sections of the society who have been worst affected by the pandemic. There exists a strong cas
श्री एम.राजेश्वर राव,
उप गवर्नर, भारतीय रिज़र्व बैंक
1. At the outset, I would like to thank Sa-Dhan for inviting me to deliver this inaugural address. The theme for this year - ‘Revitalizing Financial Inclusion’ is an important issue at the current juncture. The loss of livelihoods and hardships caused by the pandemic calls for a reinvigorated push towards financial inclusion and micro credit for vulnerable and disadvantaged sections of the society who have been worst affected by the pandemic. There exists a strong cas
15 जुलाई 2021
वित्तीय समावेशन - अतीत, वर्तमान और भविष्य - श्री शक्तिकान्त दास, गवर्नर, भारतीय रिजर्व बैंक- 15 जुलाई 2021, गुरुवार- को इकोनॉमिक टाइम्स फाइनेंशियल इनक्लूजन समिट में दिया गया उद्घाटन भाषण
I wish to thank the organisers of the Economic Times Financial Inclusion Summit for inviting me to address this august gathering. Financial inclusion is a key driver of sustained and balanced economic growth which helps reduce income inequality and poverty. While we have made tremendous strides in this area over the years, the pandemic has created new challenges and complexities. The financial system will have a crucial role to fulfil the aspirations and needs of our
श्री शक्तिकान्त दास,
गवर्नर, भारतीय रिज़र्व बैंक
I wish to thank the organisers of the Economic Times Financial Inclusion Summit for inviting me to address this august gathering. Financial inclusion is a key driver of sustained and balanced economic growth which helps reduce income inequality and poverty. While we have made tremendous strides in this area over the years, the pandemic has created new challenges and complexities. The financial system will have a crucial role to fulfil the aspirations and needs of our
06 मार्च 2020
सूक्ष्म, लघु और मध्यम उद्यम: चुनौतिया और भावी दिशा - शक्तिकान्त दास
At the outset, I wish to thank ASSOCHAM for inviting me to their 15th Annual Banking Summit. More so because this is ASSOCHAM’s centenary year. It is a remarkable accomplishment and I extend warm greetings to all those associated with ASSOCHAM. Over the years, ASSOCHAM has transformed itself into a forceful, proactive, forward-looking organisation to meet the aspirations of Indian business. I am certain that ASSOCHAM’s journey towards excellence will continue. 2. In a
श्री शक्तिकान्त दास,
गवर्नर, भारतीय रिज़र्व बैंक
At the outset, I wish to thank ASSOCHAM for inviting me to their 15th Annual Banking Summit. More so because this is ASSOCHAM’s centenary year. It is a remarkable accomplishment and I extend warm greetings to all those associated with ASSOCHAM. Over the years, ASSOCHAM has transformed itself into a forceful, proactive, forward-looking organisation to meet the aspirations of Indian business. I am certain that ASSOCHAM’s journey towards excellence will continue. 2. In a
29 नवंबर 2019
ग्रामीण और कृषि वित्त: समावेशी और दीर्घकालिक विकास प्राप्त करने के लिए महत्वपूर्ण जानकारी - एम.के.जैन
1. Mr Senarath Bandara, Chairman, APRACA (Asia Pacific Rural and Agricultural Credit Association), Dr Harsh Kumar Bhanwala, Chairman National Bank for Agriculture and Rural Development (NABARD) and Vice-Chairman, APRACA, Dr Prasun Kumar Das, Secretary General, APRACA, all other dignitaries present here, ladies and gentlemen, good afternoon! 2. At the outset, I would like to thank APRACA and NABARD for inviting me to give the valedictory address to the participants vis
श्री एम.के. जैन,
उप गवर्नर, भारतीय रिज़र्व बैंक
1. Mr Senarath Bandara, Chairman, APRACA (Asia Pacific Rural and Agricultural Credit Association), Dr Harsh Kumar Bhanwala, Chairman National Bank for Agriculture and Rural Development (NABARD) and Vice-Chairman, APRACA, Dr Prasun Kumar Das, Secretary General, APRACA, all other dignitaries present here, ladies and gentlemen, good afternoon! 2. At the outset, I would like to thank APRACA and NABARD for inviting me to give the valedictory address to the participants vis
25 अप्रैल 2019
17 वाँ सी. डी.देशमुख स्मारक व्याख्यान: उदघाटन उद्बोधन - शक्तिकान्त दास
On behalf of the Reserve Bank of India, I am delighted to welcome Mr. Agustin Carstens, General Manager of the Bank for International Settlements to deliver the C. D. Deshmukh Memorial lecture, the seventeenth in the series. We are also honored to have Smt. and Shri Atul Deshmukh from late Shri C. D. Deshmukh’s family. A hearty welcome to all the distinguished invitees of the Reserve Bank. 2. At the outset, I would like to say a few words about Shri C. D. Deshmukh to
श्री शक्तिकान्त दास,
गवर्नर, भारतीय रिज़र्व बैंक
On behalf of the Reserve Bank of India, I am delighted to welcome Mr. Agustin Carstens, General Manager of the Bank for International Settlements to deliver the C. D. Deshmukh Memorial lecture, the seventeenth in the series. We are also honored to have Smt. and Shri Atul Deshmukh from late Shri C. D. Deshmukh’s family. A hearty welcome to all the distinguished invitees of the Reserve Bank. 2. At the outset, I would like to say a few words about Shri C. D. Deshmukh to
15 जुलाई 2017
प्राथमिकता प्राप्त क्षेत्र को उधार - वर्तमान स्थिति, समस्याएं और आगे की कार्ययोजना - एस.एस.मूंदड़ा
Colleagues from College of Agricultural Banking (CAB); In-charges of Priority Sector Lending in various banks assembled here and my colleagues from various regional offices of RBI who have joined over video Conference- A very Good Morning to all of you! I consider hosting of this Conference on Credit Flow to priority sector by the CAB, a very timely initiative indeed. Such conferences are extremely important as they provide a platform for exchange of views and feedbac
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Colleagues from College of Agricultural Banking (CAB); In-charges of Priority Sector Lending in various banks assembled here and my colleagues from various regional offices of RBI who have joined over video Conference- A very Good Morning to all of you! I consider hosting of this Conference on Credit Flow to priority sector by the CAB, a very timely initiative indeed. Such conferences are extremely important as they provide a platform for exchange of views and feedbac
16 जून 2017
बैंकर और SME उधारकर्ता - नये मंत्र - एस.एस.मूंदड़ा
Dignitaries on the dais; distinguished colleagues from the banking fraternity; members of ASSOCHAM; representatives from the print and electronic media; ladies and gentlemen! At the outset, I would like to compliment ASSOCHAM for the effort in bringing the bankers and the borrowers together on a common platform to enable discussions on various issues of relevance to the MSME sector. With changing times new trends are emerging in every sphere and at this juncture the t
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Dignitaries on the dais; distinguished colleagues from the banking fraternity; members of ASSOCHAM; representatives from the print and electronic media; ladies and gentlemen! At the outset, I would like to compliment ASSOCHAM for the effort in bringing the bankers and the borrowers together on a common platform to enable discussions on various issues of relevance to the MSME sector. With changing times new trends are emerging in every sphere and at this juncture the t
20 फ़रवरी 2017
एमएसएमई वित्तपोषण: बैंक और वित्तीय प्रोद्योगिकी (फिनटेक)-प्रतिस्पर्धा,सहकार्य अथवा प्रतिस्पर्धी सहकार्य ?- एस.एस.मुंदड़ा
Mr. Simon Bell, Global lead, SME Finance, World Bank Group; Smt. Surekha Marandi, Executive Director, Reserve Bank of India; Shri P. K. Panda, Principal, College of Agricultural Banking(CAB); Chairmen/CEOs of various banks present here; other senior officers from the banking sector; my colleagues from RBI; ladies and gentlemen! At the outset, let me congratulate CAB for organising this Seminar on the theme of “Coping with the challenges of Financial Technology Innovat
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. Simon Bell, Global lead, SME Finance, World Bank Group; Smt. Surekha Marandi, Executive Director, Reserve Bank of India; Shri P. K. Panda, Principal, College of Agricultural Banking(CAB); Chairmen/CEOs of various banks present here; other senior officers from the banking sector; my colleagues from RBI; ladies and gentlemen! At the outset, let me congratulate CAB for organising this Seminar on the theme of “Coping with the challenges of Financial Technology Innovat
24 सितंबर 2016
भारत में वित्तीय समावेशन-अब तक की यात्रा और भावी दिशा - एस.एस.मूंदड़ा
Shri Santhosh Kumar Gangwarji, Honorable Minister of State for Finance, Government of India; Shri Ashwani Kumar, Chairman, IBA & CMD, Dena Bank; Shri Rajiv Rishi, Deputy Chairman, IBA & CMD, Central Bank of India; Dr. Madnesh Kumar Mishra, JS(DFS) & Mission Director-Financial Inclusion, GOI; delegates to the Workshop; ladies and gentleman! At the outset, I would like to compliment Department of Financial services, GOI and IBA for organizing this workshop o
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Santhosh Kumar Gangwarji, Honorable Minister of State for Finance, Government of India; Shri Ashwani Kumar, Chairman, IBA & CMD, Dena Bank; Shri Rajiv Rishi, Deputy Chairman, IBA & CMD, Central Bank of India; Dr. Madnesh Kumar Mishra, JS(DFS) & Mission Director-Financial Inclusion, GOI; delegates to the Workshop; ladies and gentleman! At the outset, I would like to compliment Department of Financial services, GOI and IBA for organizing this workshop o
18 जुलाई 2016
वित्तीय समावेशन के बदलते प्रतिमान - रघुराम जी राजन
Thank you for inviting me to address this seminar on equity, access, and inclusion. Financial inclusion is about (a) the broadening of financial services to those people and enterprises who do not have access to financial services sector ; (b) the deepening of financial services for those who have minimal financial services; and (c) greater financial literacy and consumer protection so that those who are offered financial products can make appropriate choices. The imp
डॉ. रघुराम जी. राजन,
गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to address this seminar on equity, access, and inclusion. Financial inclusion is about (a) the broadening of financial services to those people and enterprises who do not have access to financial services sector ; (b) the deepening of financial services for those who have minimal financial services; and (c) greater financial literacy and consumer protection so that those who are offered financial products can make appropriate choices. The imp
07 अप्रैल 2016
सूक्ष्म,लघु एवं मध्यम उद्यमों (एमएसएमई) को समर्थ बनाना:समस्याएं एवं चुनौतियां- एस.एस.मूंदडा
Shri Rajkumar Dhoot, Member of Parliament; Shri K.K. Jalan, Secretary, Ministry of MSME, Govt. of India; Shri Ashwani Kumar Chairman, Indian Banks’ Association & CMD, Dena Bank; Dr. Kshatrapati Shivaji, Chairman & Managing Director, SIDBI; Shri Sunil Kanoria, President, Assocham; dignitaries on the dais; distinguished colleagues from the banking fraternity; members of Assocham; representatives of the print and electronic media; ladies and gentlemen! Bringing t
श्री एस.एस. मूंदड़ा,
गवर्नर, भारतीय रिज़र्व बैंक
Shri Rajkumar Dhoot, Member of Parliament; Shri K.K. Jalan, Secretary, Ministry of MSME, Govt. of India; Shri Ashwani Kumar Chairman, Indian Banks’ Association & CMD, Dena Bank; Dr. Kshatrapati Shivaji, Chairman & Managing Director, SIDBI; Shri Sunil Kanoria, President, Assocham; dignitaries on the dais; distinguished colleagues from the banking fraternity; members of Assocham; representatives of the print and electronic media; ladies and gentlemen! Bringing t
16 सितंबर 2015
भारत की संवृद्धि का वित्तपोषण- चुनौतियां और भावी दिशा- एस.एस.मूंदड़ा
Shri Yaduvendra Mathur, Chairman & Managing Director, Export Import Bank of India; Shri Sunil Srivastava, Dy Managing Director, State Bank of India; Shri Alok Shriram, President , PHD Chamber of Commerce and Industry (PHDCCI); Shri Sanjeev Gupta, Chairman, Banking Committee, PHDCCI; delegates to the Summit; members of the print and electronic media; ladies and gentlemen! I am grateful to the PHD Chamber for inviting me to deliver the keynote address on a very impo
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Yaduvendra Mathur, Chairman & Managing Director, Export Import Bank of India; Shri Sunil Srivastava, Dy Managing Director, State Bank of India; Shri Alok Shriram, President , PHD Chamber of Commerce and Industry (PHDCCI); Shri Sanjeev Gupta, Chairman, Banking Committee, PHDCCI; delegates to the Summit; members of the print and electronic media; ladies and gentlemen! I am grateful to the PHD Chamber for inviting me to deliver the keynote address on a very impo
25 अगस्त 2015
परिवर्तनकारी नवोन्मेश और समावेशी वृद्दि: कुछ यादृच्छिक विचार – आर. गांधी
Friends, Disruptive Innovation 2. By this time, I am sure, you all have heard any number of times through these two days what a disruptive innovation is. Let me make you hear that one more time that it is an innovation that helps create a new market and value network and eventually disrupts an existing market and value network over a few years, displacing an earlier technology. 3. The theory of disruptive innovation was invented by Clayton Christensen, of Harvard Busi
श्री आर. गांधी,
उप गवर्नर, भारतीय रिज़र्व बैंक
Friends, Disruptive Innovation 2. By this time, I am sure, you all have heard any number of times through these two days what a disruptive innovation is. Let me make you hear that one more time that it is an innovation that helps create a new market and value network and eventually disrupts an existing market and value network over a few years, displacing an earlier technology. 3. The theory of disruptive innovation was invented by Clayton Christensen, of Harvard Busi
30 जून 2015
वित्तीय शिक्षा : मूलभूत बातें तथा उसके आगे – एस.एस. मुदंडा
Shri P. K. Panda, Principal, CAB; Shri Sandip Ghose, Director, NiSM; delegates to Conference; my colleagues at RBI and friends from the banking fraternity! It is a pleasure to be here this morning to deliver the keynote address at this Conference on Financial Literacy. I understand that it is quite a heterogeneous group with representation of various stake holders in the field of financial inclusion, literacy and consumer protection and hence, I believe you would have
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Shri P. K. Panda, Principal, CAB; Shri Sandip Ghose, Director, NiSM; delegates to Conference; my colleagues at RBI and friends from the banking fraternity! It is a pleasure to be here this morning to deliver the keynote address at this Conference on Financial Literacy. I understand that it is quite a heterogeneous group with representation of various stake holders in the field of financial inclusion, literacy and consumer protection and hence, I believe you would have
20 अप्रैल 2015
भिन्न भिन्न बैंक : संरचना की चुनौतियां - आर गांधी
In a dynamic growth-oriented economy, the financial sector needs to keep pace with the demands of the real sector. It is crucial that the financial system is flexible and competitive to cope with multiple objectives and demands made on it by various constituents of the economy. The financial sector comes of age when it has diverse institutions, catering to different segments, ranging from retail to wholesale, micro-finance to project finance, nurturing specific sector
श्री आर. गांधी,
उप गवर्नर, भारतीय रिज़र्व बैंक
In a dynamic growth-oriented economy, the financial sector needs to keep pace with the demands of the real sector. It is crucial that the financial system is flexible and competitive to cope with multiple objectives and demands made on it by various constituents of the economy. The financial sector comes of age when it has diverse institutions, catering to different segments, ranging from retail to wholesale, micro-finance to project finance, nurturing specific sector
02 अप्रैल 2015
RBI celebrates its 80th Anniversary
Prime Minister urges Banking Fraternity to set Goals for Next 20 Years to remove India's Poverty Opening remarks by Dr. Raghuram G. Rajan, Governor, Reserve Bank of India Prime Minister's remarks Prime Minister's remarks full text in Hindi Video recording of inaugural function of RBI celebrating completion of its 80th year
Prime Minister urges Banking Fraternity to set Goals for Next 20 Years to remove India's Poverty Opening remarks by Dr. Raghuram G. Rajan, Governor, Reserve Bank of India Prime Minister's remarks Prime Minister's remarks full text in Hindi Video recording of inaugural function of RBI celebrating completion of its 80th year
02 अप्रैल 2015
भारतीय रिज़र्व बैंक की 80वीं वर्षगांठ (2 अप्रैल 2015 को वित्तीय समावेशन सम्मेलन में भारतीय रिज़र्व बैंक के गवर्नर डॉ. रघुराम जी. राजन का उद्घाटन भाषण)
आदरणीय प्रधान मंत्री श्री नरेंद्र मोदी जी, महाराष्ट्र गवर्नर श्री विद्यासाग्गर जी, वित्त मंत्री श्री अरुण जैटली जी, मुख्य मंत्री श्री देवेंद्र फड़नवीस, अन्य विशिष्ट अतिथिगण, मेरे आरबीआई के साथियों, देवियों और सज्जनों। आज भारतीय रिज़र्व बैंक ने अस्सी वर्ष पूरे कर लिए हैं। आदमी के जीवन में अस्सी वर्ष काफी लंबा समय होता है। दक्षिण भारत में अस्सी वर्ष पूरे करने पर सदाभिषेकम नाम से एक समारोह मनाया जाता है। तो एक तरह से आज हम भारतीय रिज़र्व बैंक का सदाभिषेकम मना रहे हैं। लेक
डॉ. रघुराम जी. राजन,
गवर्नर, भारतीय रिज़र्व बैंक
आदरणीय प्रधान मंत्री श्री नरेंद्र मोदी जी, महाराष्ट्र गवर्नर श्री विद्यासाग्गर जी, वित्त मंत्री श्री अरुण जैटली जी, मुख्य मंत्री श्री देवेंद्र फड़नवीस, अन्य विशिष्ट अतिथिगण, मेरे आरबीआई के साथियों, देवियों और सज्जनों। आज भारतीय रिज़र्व बैंक ने अस्सी वर्ष पूरे कर लिए हैं। आदमी के जीवन में अस्सी वर्ष काफी लंबा समय होता है। दक्षिण भारत में अस्सी वर्ष पूरे करने पर सदाभिषेकम नाम से एक समारोह मनाया जाता है। तो एक तरह से आज हम भारतीय रिज़र्व बैंक का सदाभिषेकम मना रहे हैं। लेक
20 मार्च 2015
गरीबी को मात देना: समस्याएं एवं चुनौतियाँ
स्कॉच ग्रुप के अध्यक्ष श्री समीर कोचर, मंच पर विराजमान महानुभाव एवं सभा में उपस्थित अन्य विद्वतजन; इस सम्मेलन में भाग लेनेवाले प्रतिनिधिगण; प्रिंट तथा इलेक्ट्रॉनिक मीडिया के सदस्य; देवियों एवं सज्जनों! यह मेरे लिए अत्यंत हर्ष एवं सौभाग्य की बात है कि मैं आज “गरीबी को मात देना” इस विषय पर आयोजित 39वें स्कॉच शिखर सम्मेलन के उदघाटन सत्र में यहां उपस्थित हूँ। शिखर सम्मेलन का यह विषय इस समय बहुत ही प्रासंगिक है जब प्रधानमंत्री जन-धन योजना के अंतर्गत प्रत्येक परिवार को बैं
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
स्कॉच ग्रुप के अध्यक्ष श्री समीर कोचर, मंच पर विराजमान महानुभाव एवं सभा में उपस्थित अन्य विद्वतजन; इस सम्मेलन में भाग लेनेवाले प्रतिनिधिगण; प्रिंट तथा इलेक्ट्रॉनिक मीडिया के सदस्य; देवियों एवं सज्जनों! यह मेरे लिए अत्यंत हर्ष एवं सौभाग्य की बात है कि मैं आज “गरीबी को मात देना” इस विषय पर आयोजित 39वें स्कॉच शिखर सम्मेलन के उदघाटन सत्र में यहां उपस्थित हूँ। शिखर सम्मेलन का यह विषय इस समय बहुत ही प्रासंगिक है जब प्रधानमंत्री जन-धन योजना के अंतर्गत प्रत्येक परिवार को बैं
20 फ़रवरी 2015
Democracy, Inclusion, and Prosperity
Thank you for inviting me to this Festival of Ideas. Since this festival is about ideas, I am not going to tax you with the Reserve Bank’s views on monetary policy, which are, by now, well known. Instead, I want to talk about something I have been studying for many years, the development of a liberal market democracy. In doing this, I will wear my hat as a professor in the field known as political economy, and discard my RBI hat for the time being. If you came here ex
Dr. Raghuram G. Rajan,
Governor, Reserve Bank of India
Thank you for inviting me to this Festival of Ideas. Since this festival is about ideas, I am not going to tax you with the Reserve Bank’s views on monetary policy, which are, by now, well known. Instead, I want to talk about something I have been studying for many years, the development of a liberal market democracy. In doing this, I will wear my hat as a professor in the field known as political economy, and discard my RBI hat for the time being. If you came here ex
07 अक्तूबर 2014
Role of Financial Sector in Spurring Growth and Expanding Financial Inclusion in North Eastern Region
Introduction The North Eastern Region (NER) of India constitutes eight states namely Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura and Sikkim1.The NER is a unique socio-cultural segment in the country, richly endowed with natural resources with fertile land, identified as one of the most bio-diverse regions in the World. However, the development of the NER has lagged the rest of the country. The task of development of NER emanating from its
Shri P. Vijaya Bhaskar,
Executive Director, Reserve Bank of India
Introduction The North Eastern Region (NER) of India constitutes eight states namely Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura and Sikkim1.The NER is a unique socio-cultural segment in the country, richly endowed with natural resources with fertile land, identified as one of the most bio-diverse regions in the World. However, the development of the NER has lagged the rest of the country. The task of development of NER emanating from its
16 सितंबर 2014
बैंकों में अनुपालन प्रणाली की भूमिका पर पुनः जोर - एस.एस. मुंदडा
Shri G. Gopalakrishna, Director, CAFRAL; Shri P.R. Ravi Mohan, Chief General Manager-in-Charge, Department of Banking Supervision, Reserve Bank of India (RBI) and the conference participants! It is a pleasure for me to deliver the keynote address at this Conference of senior representatives of the compliance departments of commercial banks. Across the globe, it is an accepted fact that compliance is an area that warrants considerable attention. In recent times, the em
श्री एस.एस. मूंदड़ा,
उप गवर्नर, भारतीय रिज़र्व बैंक
Shri G. Gopalakrishna, Director, CAFRAL; Shri P.R. Ravi Mohan, Chief General Manager-in-Charge, Department of Banking Supervision, Reserve Bank of India (RBI) and the conference participants! It is a pleasure for me to deliver the keynote address at this Conference of senior representatives of the compliance departments of commercial banks. Across the globe, it is an accepted fact that compliance is an area that warrants considerable attention. In recent times, the em
02 सितंबर 2014
Financial Intermediation for All – Economic Growth with Equity
At the very outset, I thank Dun & Bradstreet for the kind invitation to address the Financial Inclusion conclave today. I attach a great deal of value to this interaction. Financial Inclusion Financial Inclusion is defined as the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair a
Dr. (Smt.) Deepali Pant Joshi,
Executive Director, Reserve Bank of India
At the very outset, I thank Dun & Bradstreet for the kind invitation to address the Financial Inclusion conclave today. I attach a great deal of value to this interaction. Financial Inclusion Financial Inclusion is defined as the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair a
11 अगस्त 2014
वित्त और भारत में उसके लिए अवसर – रघुराम जी. राजन
The late Mr. Lalit Doshi was an IAS officer who passed away at the young age of 52 in 1994. He had a distinguished official career even though it was cruelly cut short. Lalit Doshi was one of those bureaucrats who have constituted the steel frame of this country. It was said of him: "He always had a smile on his face irrespective of the magnitude and the tension of work". In these days where work seems perpetual and overwhelming, he sounds like someone who it would ha
डॉ. रघुराम जी. राजन,
गवर्नर, भारतीय रिज़र्व बैंक
The late Mr. Lalit Doshi was an IAS officer who passed away at the young age of 52 in 1994. He had a distinguished official career even though it was cruelly cut short. Lalit Doshi was one of those bureaucrats who have constituted the steel frame of this country. It was said of him: "He always had a smile on his face irrespective of the magnitude and the tension of work". In these days where work seems perpetual and overwhelming, he sounds like someone who it would ha
25 जुलाई 2014
ग्रामीण वित्त: मुद्दे और चुनौतियां – हारून आर. खान
At the outset, I thank National Bank for Agriculture and Rural Development (NABARD) for inviting me to this esteemed gathering of experts in the field of rural finance. I am happy that NABARD has organised this National Seminar to mark the completion of 32 years of its existence. Built upon the legacy of Agricultural Credit Department of the Reserve Bank of India and the Agriculture Refinance Development Corporation (ARDC), NABARD today has carved for itself a special
श्री हरुण आर खान,
उप गवर्नर, भारतीय रिज़र्व बैंक
At the outset, I thank National Bank for Agriculture and Rural Development (NABARD) for inviting me to this esteemed gathering of experts in the field of rural finance. I am happy that NABARD has organised this National Seminar to mark the completion of 32 years of its existence. Built upon the legacy of Agricultural Credit Department of the Reserve Bank of India and the Agriculture Refinance Development Corporation (ARDC), NABARD today has carved for itself a special
16 अप्रैल 2014
Role of Banking in Development Lead Bank Scheme Development Initiatives by RBI
Dr. (Smt.) Deepali Pant Joshi,
Executive Director, Reserve Bank of India
01 अप्रैल 2014
समावेशन, वृद्धि और अभिशासन – मुद्दे और आगामी मार्ग – के.सी. चक्रवर्ती
Lord Meghnad Desai, Professor Emeritus, London School of Economics; Shri Rana Kapoor, Managing Director & CEO, Yes Bank and President, ASSOCHAM; Shri Sameer Kochhar, Chairman, SKOCH Group; members of the print and electronic media; ladies and gentlemen! It is a pleasure and privilege for me to be present here today at the inaugural session of this SKOCH Summit which features the theme of ‘Inclusion, Growth and Governance’. The theme of the conference is particular
डॉ. के.सी. चक्रवर्ती,
उप गवर्नर, भारतीय रिज़र्व बैंक
Lord Meghnad Desai, Professor Emeritus, London School of Economics; Shri Rana Kapoor, Managing Director & CEO, Yes Bank and President, ASSOCHAM; Shri Sameer Kochhar, Chairman, SKOCH Group; members of the print and electronic media; ladies and gentlemen! It is a pleasure and privilege for me to be present here today at the inaugural session of this SKOCH Summit which features the theme of ‘Inclusion, Growth and Governance’. The theme of the conference is particular
25 मार्च 2014
Strengthening and Revitalising Rural Cooperative Credit Delivery System
1. I am extremely happy to be with you today and thank Dr. Harsh Kumar Bhanwala, Chairman, NABARD and the organizers of this National Meet of State Cooperative Banks for inviting me to share the Reserve Bank's perspectives. 2. Since inception the Indian Cooperative movement was initiated by the Government to align the rural credit system with the objectives of development planning. The RBI played an important role. The RBI's concern and involvement in the sphere of ru
Dr. (Smt.) Deepali Pant Joshi,
Executive Director, Reserve Bank of India
1. I am extremely happy to be with you today and thank Dr. Harsh Kumar Bhanwala, Chairman, NABARD and the organizers of this National Meet of State Cooperative Banks for inviting me to share the Reserve Bank's perspectives. 2. Since inception the Indian Cooperative movement was initiated by the Government to align the rural credit system with the objectives of development planning. The RBI played an important role. The RBI's concern and involvement in the sphere of ru
04 मार्च 2014
Financial Inclusion - The Indian Model – Challenges and Prospects
Dr. (Smt.) Deepali Pant Joshi,
Executive Director, Reserve Bank of India
13 फ़रवरी 2014
समावेशी विकास और इसमें प्रौद्योगिकी की भूमिका – रघुराम जी. राजन
Thank you for inviting me to speak here today. Shri D.R. Gadgil is well known not only as an economist but also as a great educationist and a statesman, having served as a member of Rajya Sabha. We all know of the great contribution he made towards the distribution of plan transfers amongst the Indian states through the famous ‘Gadgil Formula’. The Gadgil formula attempted to ensure that there was objectivity in distribution of funds amongst the states in India. He wr
डॉ. रघुराम जी. राजन,
गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to speak here today. Shri D.R. Gadgil is well known not only as an economist but also as a great educationist and a statesman, having served as a member of Rajya Sabha. We all know of the great contribution he made towards the distribution of plan transfers amongst the Indian states through the famous ‘Gadgil Formula’. The Gadgil formula attempted to ensure that there was objectivity in distribution of funds amongst the states in India. He wr
12 फ़रवरी 2014
वित्तीय समावेशन: प्रौद्योगिकी, संस्थाएं और नीतियां- रघुराम जी. राजन
Distinguished members of NASSCOM and distinguished guests: Thank you for inviting me to speak here today. The Indian information and communications technology industry that you represent has a proud history of accomplishment. You have done India great service, not just by creating a world class industry but also by showing the rest of us what is possible. I am hopeful that financial firms can join hands with you to build a technology-enabled financial sector that can
डॉ. रघुराम जी. राजन,
गवर्नर, भारतीय रिज़र्व बैंक
Distinguished members of NASSCOM and distinguished guests: Thank you for inviting me to speak here today. The Indian information and communications technology industry that you represent has a proud history of accomplishment. You have done India great service, not just by creating a world class industry but also by showing the rest of us what is possible. I am hopeful that financial firms can join hands with you to build a technology-enabled financial sector that can
29 जनवरी 2014
वित्तीय समावेशन के लिए अपनाई गई कार्यनीति – दीपाली पंत जोशी
One of the major challenges for next decade or more to banks in the country is to capture the banking business of over 50% population of this country of over 1.2 billion people. Poor people need to be provided with access to financial products at low transaction cost. They need to be provided assistance on the demand side (in terms of financial awareness and literacy) as well as on the supply side (in the form of availability of customized financial products). Taking
डॉ. (श्रीमती) दीपाली पंत जोशी,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
One of the major challenges for next decade or more to banks in the country is to capture the banking business of over 50% population of this country of over 1.2 billion people. Poor people need to be provided with access to financial products at low transaction cost. They need to be provided assistance on the demand side (in terms of financial awareness and literacy) as well as on the supply side (in the form of availability of customized financial products). Taking
10 दिसंबर 2013
भारत में वित्तीय समावेशन – एक आकलन- पी. विजय भास्कर
“Overcoming poverty is not a gesture of charity. It is an act of justice. It is the protection of a fundamental human right, the right to dignity and a decent life. While poverty persists, there is no true freedom. Sometimes it falls upon a generation to be great. You can be that great generation. Let your greatness blossom. Of course, the task will not be easy. But not to do this would be a crime against humanity, against which I ask all humanity now to rise up." - N
श्री पी. विजय भास्कर,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
“Overcoming poverty is not a gesture of charity. It is an act of justice. It is the protection of a fundamental human right, the right to dignity and a decent life. While poverty persists, there is no true freedom. Sometimes it falls upon a generation to be great. You can be that great generation. Let your greatness blossom. Of course, the task will not be easy. But not to do this would be a crime against humanity, against which I ask all humanity now to rise up." - N
09 दिसंबर 2013
चल वित्तीय सक्षमता फारवर्ड: नवोन्मेष पैमाना और प्रभाव- दीपाली पंत जोशी
Dear friends , I am honoured to be here today at the tenth anniversary of the summit on financial literacy and thank Citi and FT for having me here, and of course, my friend David Pilling for the opportunity to share the India experience. David we are out of the woods! I confirm this. As all the people in this room know, financial literacy has emerged as a focus area for policy makers all across the globe, in the wake of the global financial crisis. Financial literacy
डॉ. (श्रीमती) दीपाली पंत जोशी,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Dear friends , I am honoured to be here today at the tenth anniversary of the summit on financial literacy and thank Citi and FT for having me here, and of course, my friend David Pilling for the opportunity to share the India experience. David we are out of the woods! I confirm this. As all the people in this room know, financial literacy has emerged as a focus area for policy makers all across the globe, in the wake of the global financial crisis. Financial literacy
29 नवंबर 2013
वित्तीय समावेशनः अब तक की यात्रा और अगली रूपरेखा –दीपाली पंत जोशी
1. Mr Tamal Bandopadhyay Deputy Managing Director, Mr Sukumar, Editor Mint, distinguished guests ,ladies and gentlemen ,at the very outset let me say that I am extremely happy to be here with you this beautiful evening and thank the Editor Mint for having me here, to share with you the RBI perspectives on the Financial Inclusion. I extend warm congratulations to Mint on celebrating a decade of engagement with these issues which concern us all. 2. Dr. Raghuram Rajan, h
डॉ. (श्रीमती) दीपाली पंत जोशी,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
1. Mr Tamal Bandopadhyay Deputy Managing Director, Mr Sukumar, Editor Mint, distinguished guests ,ladies and gentlemen ,at the very outset let me say that I am extremely happy to be here with you this beautiful evening and thank the Editor Mint for having me here, to share with you the RBI perspectives on the Financial Inclusion. I extend warm congratulations to Mint on celebrating a decade of engagement with these issues which concern us all. 2. Dr. Raghuram Rajan, h
31 अक्तूबर 2013
वित्तीय समावेशन – दीपाली पंत जोशी
INTRODUCTION 1. Mr. Sampath Kumar, Ms Preetha Mishra and my dear ladies and gentlemen. I am delighted to be with you this morning for the inaugural session of the fifth Dun and Bradstreet Financial Inclusion Conclave. I extend warm congratulations to Dun and Bradstreet for hosting the event in the beautiful city of Kolkata. 2. Financial Inclusion is not a new dispensation. Bank Nationalisation in 1969 and the tremendous push for branch building which followed in its w
डॉ. (श्रीमती) दीपाली पंत जोशी,
गवर्नर, भारतीय रिज़र्व बैंक
INTRODUCTION 1. Mr. Sampath Kumar, Ms Preetha Mishra and my dear ladies and gentlemen. I am delighted to be with you this morning for the inaugural session of the fifth Dun and Bradstreet Financial Inclusion Conclave. I extend warm congratulations to Dun and Bradstreet for hosting the event in the beautiful city of Kolkata. 2. Financial Inclusion is not a new dispensation. Bank Nationalisation in 1969 and the tremendous push for branch building which followed in its w
22 अक्तूबर 2013
Financial Education and Customer Protection
Dr. (Smt.) Deepali Pant Joshi,
Executive Director, Reserve Bank of India
04 अक्तूबर 2013
वित्तीय समावेशन और ग्राहक रक्षा को प्रोत्साहित करने के लिए वित्तीय शिक्षा कुंजी – दीपाली पंत जोशी
I am happy to be able to address, though not real time, various stakeholders from across the country on this important subject and also congratulate the CAB for focusing on this topical issue. Financial Education is a not a new idea for those present here but the enabling environment in terms of policy focus on inclusive growth and availability of technology for cost effective delivery of both banking services and financial education is of recent origin. There is a st
डॉ. (श्रीमती) दीपाली पंत जोशी,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I am happy to be able to address, though not real time, various stakeholders from across the country on this important subject and also congratulate the CAB for focusing on this topical issue. Financial Education is a not a new idea for those present here but the enabling environment in terms of policy focus on inclusive growth and availability of technology for cost effective delivery of both banking services and financial education is of recent origin. There is a st
06 सितंबर 2013
भारत में वित्तीय समावेशन: अब तक की यात्रा और अगल रास्ता – के.सी. चक्रवर्ती
Mr. M Narendra, Chairman, Indian Overseas Bank; Mr. Y M Deosthalee, CMD, L&T Finance; Mr. Arun Tiwari, ED, Allahabad Bank, Ms. Shereen Bhan, Managing Editor,CNBC-TV18, delegates to the conclave; friends from the media fraternity; ladies and gentlemen! It is a pleasure for me to be present here today at the Conclave organized by CNBC TV 18 on the very topical subject of financial inclusion. I am particularly happy that a business news channel which has built up a c
डॉ. के.सी. चक्रवर्ती,
उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. M Narendra, Chairman, Indian Overseas Bank; Mr. Y M Deosthalee, CMD, L&T Finance; Mr. Arun Tiwari, ED, Allahabad Bank, Ms. Shereen Bhan, Managing Editor,CNBC-TV18, delegates to the conclave; friends from the media fraternity; ladies and gentlemen! It is a pleasure for me to be present here today at the Conclave organized by CNBC TV 18 on the very topical subject of financial inclusion. I am particularly happy that a business news channel which has built up a c
24 जुलाई 2013
उपभोक्ता संरक्षण पर राष्ट्रीय सेमिनार – समावेशी विकास का एजेंडा – दीपाली पंत जोशी
I congratulate Assocham on the timely initiative of hosting this event and bringing to the centre stage of debate very critical issues as customer Empowerment and Financial Inclusion. The “post crisis” world is governed by a new paradigm of customer empowerment. The financial crisis has highlighted the importance of financial consumer protection for the long-term stability of the global financial system. Rapid increase in the use of financial services brings into shar
डॉ. (श्रीमती) दीपाली पंत जोशी,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I congratulate Assocham on the timely initiative of hosting this event and bringing to the centre stage of debate very critical issues as customer Empowerment and Financial Inclusion. The “post crisis” world is governed by a new paradigm of customer empowerment. The financial crisis has highlighted the importance of financial consumer protection for the long-term stability of the global financial system. Rapid increase in the use of financial services brings into shar
08 जून 2013
वित्तीय समावेशन के माध्यम से वृद्धि के इंजन को गतिशील करना- के.सी.चक्रवर्ती
Mr. Montek Singh Ahluwalia, Deputy Chairman, Planning Commission; Mr. U.K. Sinha, Chairman, SEBI; Mr. Sameer Kochhar, Chairman, Skoch Group; Ms. Stuti Kacker, Secretary, Department of Disability Affairs, Ministry of Social Justice and Empowerment; Mr. S.S. Tarapore, Distinguished Fellow, Skoch Development Foundation; Ms. Chitra Ramkrishna, Managing Director and CEO, NSE; Mr. Bhaskar Pramanik, Chairman, Microsoft Corporation (India); delegates to the Summit; members of
डॉ. के.सी. चक्रवर्ती,
उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. Montek Singh Ahluwalia, Deputy Chairman, Planning Commission; Mr. U.K. Sinha, Chairman, SEBI; Mr. Sameer Kochhar, Chairman, Skoch Group; Ms. Stuti Kacker, Secretary, Department of Disability Affairs, Ministry of Social Justice and Empowerment; Mr. S.S. Tarapore, Distinguished Fellow, Skoch Development Foundation; Ms. Chitra Ramkrishna, Managing Director and CEO, NSE; Mr. Bhaskar Pramanik, Chairman, Microsoft Corporation (India); delegates to the Summit; members of
14 मई 2013
Presentation on Child and Youth Finance in India - by Dr. Deepali Pant Joshi, Executive Director, RBI, during The Second Child and Youth Finance International Summit held in Istanbul on May 8, 2013
Dr. (Smt.) Deepali Pant Joshi,
Executive Director, Reserve Bank of India
06 मई 2013
भारतीय ग्रामीण क्षेत्र: बड़ी चुनौतियां और अगली रूपरेखा – दीपाली पंत जोशी
Respected Dr. Thingalaya, Former CMD Syndicate Bank, Dr. G. L. Easwara Prasad, Principal, Mangalore Institute of Technology and Engineering, senior bankers and dear students. I am extremely delighted to be amongst you in this prestigious institute which has several achievements in engineering studies to its credit in a very short span of time. I am honoured, privileged and happy to inaugurate this topical seminar aptly titled Indian Banking Sector Big Challenges and t
डॉ. (श्रीमती) दीपाली पंत जोशी,
कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Respected Dr. Thingalaya, Former CMD Syndicate Bank, Dr. G. L. Easwara Prasad, Principal, Mangalore Institute of Technology and Engineering, senior bankers and dear students. I am extremely delighted to be amongst you in this prestigious institute which has several achievements in engineering studies to its credit in a very short span of time. I am honoured, privileged and happy to inaugurate this topical seminar aptly titled Indian Banking Sector Big Challenges and t
आरबीआई मोबाइल एप्लीकेशन इंस्टॉल करें और लेटेस्ट न्यूज़ का तुरंत एक्सेस पाएं!
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