भारतातील व्यापारी बँकाच्या कर्ज-ठेवी-गुणोत्तर धोरणांबाबत खालीलपैकी कोणती विधाने बरोबर आहेत ?
(a) कर्ज-ठेवी गुणोत्तर प्रमाणाबाबत RBI ने निश्चित नियम केलेले आहेत.
(b) बँकाची सरकारी रोख्यांमधील गुंतवणुक तुलनेने अधिक सुरक्षित असते.
(c) अलिकडे आर्थिक स्थितीचा अंदाज घेवून बँका व्यवसायाच्या गुणोत्तरामध्ये बदल करित असतात.
(d) कर्ज-ठेवी गुणोत्तर प्रमाण सूत्र = (एकूण कर्जे)/(एकूण ठेवी) × (100)/(1)
पर्यायी उत्तरे :

The correct answer is Option D (All statements are correct).

Key Points:
• Credit-Deposit (CD) Ratio Dynamics:
• Regulatory Oversight: Statement (a) is correct; the RBI closely monitors and guides commercial banks' Loan-to-Deposit (Credit-Deposit) ratios via statutory liquidity mandates (CRR, SLR, Basel III frameworks).
• G-Sec Safety: Statement (b) is correct; Government Securities (G-Secs) carry sovereign backing, rendering them credit-risk-free compared to commercial advances.
• Dynamic Management: Statement (c) is correct; banks continuously recalibrate their CD ratios based on macroeconomic liquidity, interest rate cycles, and deposit mobilization trends.
• Standard Mathematical Formula: Statement (d) is correct; CD Ratio is universally calculated as:
• CD Ratio = ≤ft( (Total Advances / Loans)/(Total Deposits) ) × 100
• Official MPSC Answer: Set A marks Option (4) (All statements are correct).
• Key Takeaway: All statements regarding the Credit-to-Deposit ratio, its formula, and regulatory oversight by RBI are correct.