खालीलपैकी कोणती सुधारणा ही 1991 च्या नरसिंहम समितीच्या शिफारशीचा भाग नाही ?
(1) ज्या व्यापारी बँका भांडवल पूर्ततेचा मानदंड पाळत असतील त्यांना रिझर्व बँकेच्या मंजुरीशिवाय नव्या शाखा उघडण्याची मुभा.
(2) बँकेच्या कर्जावरील व्याजदराचे थर कमी केले गेले.
(3) रोख राखीव निधी (CRR) आणि वैधानिक रोखता प्रमाण (SLR) यांच्यात पुरेशी वृद्धी.
(4) न्यूनतम भांडवल प्रमाण हे बेसल मानदंडांवर आधारित असणे.

The correct answer is Option C (Raising CRR and SLR progressively.).

Key Points:
• The Narsimham Committee (1991) on the Financial System recommended comprehensive reforms to make the banking sector robust, competitive, and efficient.
• A major recommendation of the committee was the reduction of high Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) levels, which were choking bank liquidity and profitability at that time. Therefore, *raising* CRR and SLR progressively is completely opposite to the committee's recommendation.
• Option (1) is a correct recommendation: Banks meeting capital adequacy norms were given autonomy in branch expansion without prior RBI permission.
• Option (2) and (4): Rationalization of interest rates and adoption of Basel Committee minimum capital adequacy standards were core reform measures.
• Hence, option (3) was NOT a recommendation of the Narsimham Committee.
• Key Takeaway: Narsimham Committee (1991) recommended reducing CRR and SLR, not raising them progressively.