SLR Full Form In English
The full form of SLR in English is Statutory Liquidity Ratio. It is a term mainly used in the banking and financial sector. SLR refers to the minimum percentage of a commercial bank’s net demand and time liabilities (NDTL) that it is required to maintain in the form of liquid assets such as cash, gold, or approved government securities before offering credit to customers.
The Reserve Bank of India (RBI) sets and regulates the SLR to ensure financial stability and control inflation. By adjusting the SLR, the RBI can influence the availability of credit in the economy, thereby managing growth and price stability. For example, if the SLR is increased, banks will have less money to lend, which can reduce inflationary pressure.
SLR Full Form In Hindi
SLR का पूरा नाम वैधानिक तरलता अनुपात (Statutory Liquidity Ratio)** है। यह एक महत्वपूर्ण बैंकिंग और वित्तीय शब्द है, जिसका उपयोग मुख्य रूप से वाणिज्यिक बैंकों पर लागू नियमों को समझाने के लिए किया जाता है। भारतीय रिज़र्व बैंक (RBI) प्रत्येक वाणिज्यिक बैंक को यह सुनिश्चित करने के लिए बाध्य करता है कि वे अपनी शुद्ध मांग और समय देनदारियों (NDTL) का एक निश्चित न्यूनतम प्रतिशत नकद, सोना या स्वीकृत सरकारी प्रतिभूतियों के रूप में सुरक्षित रखें। इस अनुपात को ही SLR कहा जाता है। इसका उद्देश्य वित्तीय स्थिरता बनाए रखना, मुद्रा आपूर्ति को नियंत्रित करना और मुद्रास्फीति पर काबू पाना है। यदि RBI SLR दर बढ़ा देता है तो बैंकों के पास कर्ज देने के लिए कम धनराशि उपलब्ध होगी, जिससे बाजार में नकदी प्रवाह कम हो जाता है। वहीं, SLR घटाने पर बैंकों के पास अधिक धनराशि उधार देने के लिए होती है, जिससे आर्थिक गतिविधियाँ तेज़ होती हैं।
Read More: OTG Full Form In English And Hindi
Frequently Asked Questions
What is the full form of SLR?
The full form of SLR is Statutory Liquidity Ratio.
Who decides the SLR in India?
The Reserve Bank of India (RBI) decides and regulates the SLR.
In which form is SLR maintained by banks?
Banks maintain SLR in the form of cash, gold, or approved government securities.
Why is SLR important?
SLR helps maintain financial stability, controls inflation, and regulates credit flow in the economy.
What happens if SLR is increased?
When SLR is increased, banks have less money to lend, which reduces credit flow and helps control inflation.
What happens if SLR is decreased?
When SLR is decreased, banks have more funds to lend, which increases liquidity and boosts economic activity.
Conclusion
In conclusion, SLR or Statutory Liquidity Ratio is an essential regulatory tool used by the Reserve Bank of India to maintain financial stability and control the flow of credit in the economy. By adjusting the SLR, RBI can influence inflation, liquidity, and overall economic growth. It ensures that banks always keep a certain portion of their deposits in safe and liquid assets like cash, gold, or government securities, which strengthens the banking system and promotes stability in the financial sector.
