Sign Arizona Banking Promissory Note Template Safe

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good morning students so in this particular lecture we are going to talk about a next content in our syllabus that is treasury instruments and i think uh the content is the last content in our second unit right so means in this content we will focus on a various or treasury instruments or you can see money market instruments so their students later focus on uh one by one means there are various instruments the first instrument is treasury bill okay first instrument is treasury bill so dear students uh listen carefully the information are related to the uh treasury bills right so treasury bill is a short-term instruments right treasury bill is the short-term instrument issued by the government of india through the reserve bank of india the government of india issued a tables for tenure of 14 days 28 days 91 days and 182 days and 364 days so dear students listen carefully i repeat treasury bill is a short term instruments and that is reason i already told you uh treasury instruments are money market instruments right means you know variable the meaning of money market means money market is a market uh or you can say money market is also part of financial market and in this market people means in this market people are trading right under the money market means people trade the securities means with the high liquid and short the maturities great right this is simple meaning of money market right it means money market is a market in which people trade securities with high liquidation term maturity and uh that is the reason i already told you treasury instruments or money market instruments so dear students under the treasury instruments first instrument is transferable and the information regarding treasury bill age treasure bridges short-term instruments right and issued by the government of india government of india through the arizona bank of india right you know wherever the rbi is the apex bank or you can service the central bank in our country right so that is the reason treasury will be issued by the government of india through the reserve bank of india and the government of india issues t bills for 10 year of 14 days 28 days 91 days 182 days and 360 four days but but most important thing is here and that is the most popular treasury bills are 91 days right then 182 days and last is 364 days okay so dear students let us focus on first uh the 91 information regarding 91 days treasury bills and 182 days the residuals and then third is 364 days treasury bill so dear students the listen carefully the 91 day treasury b is the maturity period of 91 days right right in a simple word right the maturity of the 91 days treasure bliss is 91 days and auctioned off listen carefully auction of 91 days treasury bills is every adventure every wednesday okay content auction of 91 days treasury bills every wednesday and notified amount of 91 days treasury bills 100 crore rupees okay so then next type of treasury bill is 182 day treasury bills and the maturity period of the 182 days resistability is 182 days an auction of 182 data reservables is alternative wednesday alternative wednesday alternative means not reporting week okay and then the notified amount of 182 days treasury bills is again 100 crore rupees right but i just uh one different thing in the means between 91 days and 182 days and these are means there are two different things first is maturity period right and then second is auction right and match repeat of 182 days is 182 days and the auctioned and alternative wednesday and 91 days transitions auction every wednesday but 182 days treasury bills auction alternative investments most important word is non-reporting week okay non-reporting week and the notified amount is 100 crore rupees okay this is then our third type of treasury bills and that is 364 days treasury bills and the una variable in simple word means um maturity period of the 364 days treasury bills is definitely 364 days and auction off sorry auction of 9 364 days treasury bills is um auction alternative wednesday means reporting week okay reporting weekend notified amount is 500 crore pages notified amount is 500 rupees so the students this is the simple information regarding various types of treasury bills just one thing keeping in mind and that is treasure bills issued by the government of india through the reserve bank of india and the government of india issue the various types of treasury businessmen there are main three types of treasury bills first is 91 then second is 182 and then third is 364. and means action of 91 days treasury bills is every wednesday then auction of 182 days alternative means non-reporting week okay and 364 uh alternative instruments reporting week and a notifying amount of 91 and 182 degrees this is 100 crore rupees but the amount notified amount of 364 treasury bills is 500 crore rupees okay this is the simple information regarding treasury bills and this is the first instruments and this is the first treasury instruments okay killer so uh dear students next is commercial paper even a variable uh cpcp right in short cp commercial means commercial paper the full form of the rcp is commercial people another one thing regarding treasury bills and that is a treasury bills also called as t bills i repeat treasury bills also called as t bill so dear students our next instrument is cp means the standard cp stands for commercial paper okay and another one most important thing related to cpn that is cp is an unsecured money market instruments or you can say cp is the unsecured treasury instruments it is not secure instruments why it is unsecured instruments because of their students the cp right means uh cp issued by the private organizations right cp issued by the private organization that is the region the students the cp is the unsecured uh treasure instruments or you can say money market instruments issued in the form of promissory notes okay you know variability students the meaning of promising also that is the reason i i'm not going to dip means what is the meaning of promissory notes so just one thing keep in mind that is most important thing is a commercial paper is all unsecured or treasury instruments okay and cp as a privately placed instruments i already told you it is issued by organization or you can say private organization that is recipes as a privately placed instruments was introduced in india in 1990 with the view of enable highly related corporate bolo borrowers to diversify their resource sources of short-term borrowings and to provide an additional instruments to investors right and another one thing is the most important thing is related to commercial paper that is commercial paper is unsecured instruments because they offer high interest rate okay because they offer high interest rate and that is the reason uh some of the people invest their money in this uh securities or in this instruments okay so dear students another one thing is the cp is introduced in india in 1990 okay and then organization can issue cp's either directly or through bank or merchant banks called as dealers okay then the instruments are normally issued in multiple of five lag another most important thing or related to or regarding cpn that is the instruments are normally issued in multiple 5 lakh multiple 5 likeness 5 lakh 10 lakh 15 lakh 20 lakh 25 lakh okay not 5 like then 7 lakh than 8 lakh okay not even the instruments are normally issued in multiple of five lakh multiplayer in five lakh means five like 10 lakh 15 lakh 20 lakh asha patina okay then the minimum period of the instruments and that is seven days and maximum period is definitely 364 days because it is a short-term instrument so you can see it is a money market and that is reason it is its maximum period is uh 364 days okay this is the simple information regarding commercial paper the commercial paperwork question which are valid multiple commercial paper was introduced in india in the year dash dash and then another one is the instruments means a commercial paper normally issued in the multiple of dash dash dash lag and another one the question is the maturity the minimum period of the commercial paper is dash dash or maximum a period of commercial paper is dash dash dash so the students the answer of the all these questions that commercial paper is an unsecured money market or treasury instruments and it is introduced in 19 in india 1990 and uh the the instruments is normally issued in multiple of five lakh valley means multiple in philadelphia means 5 10 15 20 and the minimum time period of uh this instruments that is seven days and maximum is 364 days okay this is the simple or a useful information regarding a commercial paper okay killer then our third is uh third instrument is certificates of deposits right cds okay in a short in simple word cds or you can say the full form of cd is certificate of deposit so the student listen carefully information regarding certificate of deposits so certificate of deposits is a negotiable promissory note i write certificate depositing and negotiable promissory notes are secure and short term of up to a year in nature right because you know uh means another one most important way another one means the most information regarding a series and that is a cd is a negotiable instruments right negotiable instruments or even availability students the meaning of uh negotiable instruments so means the meaning is listen carefully uh i repeat i repeat means i i i tell you the meaning of negotiable instruments means negotiable instruments is a sign of documents that promises a sum of payment to a specified person or the uh assignee right this is the simple meaning of negotiable instruments i repeat their students negotiable instruments is a sign of documents that promises a sum of payment to a specified person or the assad okay this is the simple meaning of negotiable instrument and cd is the negotiable promissory notes right so it is the negotiable promissory notes okay so um and according to ocd right right according to the cd means another video students the meaning of negotiable promising notes means the negotiable promising notes is unconditional promise made in return by the person to another to pay on demand to the pay or at fixed or stable of future time some certain in money in order in order to be be error okay this is the simple meaning of negotiable promissory notes okay then according to cds can be issued by listen carefully one one is scheduled commercial bank then second is excluding regional rule banks okay then local area banks right just one thing okay and the second is uh select all india financial institutions that have been permitted by a reserve bank of india to raise short-term resources within a umbrella limit fixed by a reserve bank of india okay ninjas right [Music] financial institutions in india or you can serve as the central bank in india and under the rbi there are many two types of banks right first is said good bank and then second is non-state good bank so dear students what is meaning of central bank the meaning is the security bank are those banks which name include in sec schedule of rbi act 1930 for i repeat cedar banks are those banks which name affairs in second city of our back 1934 is called as scheduled bank right and under the central banks there are many two types of banks first is commercial banks and then second is uh cooperative banks and again under the commercial banks there are main four types of bank first is public sector private sector foreign all india financial institutions means india financial institutions that have been permitted by rbi to raise short-term resources with the umbrella limit fixed by reserve bank of india so the students other instruments is was introduced in in india 1989 okay in which early students in 1989 okay in 1980 and then the minimum period of the this instrumentation that is seven days and the maximum period of this instruments is 364 days and another one most important thing related to a certificate of deposition that is the instruments or these instruments are normally issued in the multiple of one lakh right upper commercial papers under one of the pilot taking of the multiple in five lakh and a certain typical deposit multiple in one lakh means multiple in one leg means one leg two leg three lag four leg five leg okay so the students some things keep in your mind regarding certificate of deposit and that is certificate of deposits in the negotiable promissory nodes then certificate of deposits can be issued by scheduled commercial banks excluding rrbs and local area banks and then all india financial institutions and the the uh instruments was introduced in india 1989 and the instruments are normally issued in multiple of one lakh and the minimum period of seven days and the maximum period of the this instrument is 364 days okay this is the simple information regarding our next i mean our instrument is and that is certificate of deposits certificate of deposit so they should know next uh is the next instrument is zero coupon bond right zero coupon bond and then next is a deep copper bond what is the difference between zero coupon bond and what is different bit means a zero coupon and deep coupon bond sodium listen carefully for zero coupon bonds means it is issued at a discount face value right it is issued at a discount face value okay and no interest rate is paid during the period of the bonds but at the time of maturity full payment or bullet payment of the face value would be done okay and then deep discount bond means it was first introduced by idbi in june 1990 followed by issa i and it is similar to zero coupon bonds with longer maturity okay this is the simple difference between zero coupon bond um is the face value of but it is issued at a discount and the price is uh 9900 rupees right [Music] discounted [Music] [Music] instruments and the information regarding zero coupon bonds and this is this it is issued at a discount to face value no interest is paid during the period of the bonds and but the time of maturity full payment or bullet payment of the face value would be done okay then a deep uh discount bond it was first introduced in idbi you know variability students the full form of idb at the industrial development bank of india right industrial development bank of india and a deep discount bonds first time introduced by idbi in june 1994 in which year the students in june 1994 followed by ic ic another one uh most important thing regarding a deep coupon bonds and that is it is a similar to zero coupon bonds with longer maturity okay so they shouldn't this is the simple information regarding a zero coupon bond and deep coupon bonds okay so our next um instruments or the next treasure instruments and this is a call money market right call me call monitor money notice money you know very well so listen carefully in short the call money market means cm [Music] is the market where overnight means one day right overnight loans can be availed by bank to meet liquidity right and banks who seeks to avail liquidity approaches the call market as borrower and the owners who have excess liquidity participate there as lender and the cm year men's column market is functional from monday to friday right call money market is oh sorry it's always karma market is a function right it's function from monday to friday and bank can access a cmm to meet their reserve requirements or means cr and slr or to cover a sudden shortfall in cash on any particular day overnight right call money market where overnight one day loans can be availed by bank support [Music] is the main market oriented mechanism to meet the liquid requirements of banks so then what is the notice money market or you can say notice money now listen careful the call money is usually availed for one day if the bank needs funds for more days it can avail money through notice market and here the loans is provided so the students here the loan is provided from two days to 14 days this is the simple difference between call money and notice money okay and this is the uh treasury oh sorry uh treasury instruments so then another uh one is related to call notice money and that is term money and terminal refers to those borrowings a lending tr nsaction between the interbank participants which have 10 years greater than 14 days right and normally a term one is not repayable before maturity this is therefore not liquid if the front requirement falls before the maturity period their money cannot be trade and such as has limited use the money market sorry notice [Music] of treasury that is a call notice and term okay then another one is instruments of a treasury that is bank fixed deposits right bank fixed deposit so distance uh let us focus on what is meaning of banks fixed deposits so just listen carefully scheduled commercial banks and cooperative banks accept term deposits or oh for a period of seven days and above right banks fixed deposits even a variability students meaning of fixed deposits so i am not going to do what is the meaning of fixed deposit so this is the another one or treasury instruments and that is the update you know variability student central commercial banks and co-operative banks and other financial institutions can accept a term deposit for a period of seven days and above maximum you know variable uh 10 years etc so the rate of interest on such deposit vary from bank to bank but the general uh interest rate uh is seven percent okay so deposits are accepted at bank branches then these deposits are not transfer operable and another one thing is their students and anybody can invest funds in fixed deposits in strict sense a fixed deposit is not a money market instruments in it can be traded right but you can say fixed deposit is not the money market insurance because it is not uh it its period is not short and that isn't it's not money market instruments and you know variable ratio the period of the public deposits uh seven days to ten years so that is okay however often banks and financing institutions make investment in prep days this is appropriate when funds are available for a specified period and rate in fds market is more favorable than other markets so [Music] deposits right then a bill rediscounting scheme brds is the another one uh important instruments of treasury sodium research gainfully bill discounting schemes means bank in the normal course of business discount genuine bills of exchange and this forms part of the loans and advances or credit portfolio of the bank to provide liquidity to promote the bill bills culture in the economy the rbi means reserve bank of india formulated who formulated the schemes dear students the reserve bank of india formulated the bill rediscounting scheme right rbi just wait okay rbi formulated the scheme whereby the bank or rates may raise funds by issue of uns promissory notes in convenient laws and maturities on the strength of genuine trade bill discounting by it and this scheme is known as the bill raise discounting schemes in short brds and bank and permit our financial entities may invest by way of rediscounting trade bills of other eligible banks against a set of node issued by the search banks and the minimum 10 year of brds a transaction is 15 days and the maximum 10 year is 19 days 90 days [Music] this is another one most important uh treasury instruments okay then next is next instrument instrument is interbank participation certificates ibps okay interbank uh participation certificates so just listen uh carefully the information regarding interbank participation certificates means ibpcs ibpc is at another short term money market instruments or you can say ibpc is the another one short term treasury instrument whereby the banks can raise money and deploy short-term surplus right bank can raise money deploy short-term surpluses okay in the case of ibpc the borrowing bank says our sales on the loans and credit that is has in its book and for a temporary period or to the lending bank ibps are of two types right they are first is with risk sharing and then second is without risk sharing and only scheduled commercial banks can issue uh ib pcs and the various features of this instruments are given below is without risk okay listen carefully the minimum period shall be 91 days and maximum period is 182 days in the case of ibps on a risk sharing basis okay and the case of ibs under non-risk sharing basis the minimum period of means the total period is limited to 98 days okay so [Music] the minimum period shall be 91 days and maximum period 180 days in the case of ibpcs on the risk sharing basis and in the case of ibps under non-risk sharing basis the total period is limited to 90 days okay then next is the maximum participation in loan search credit and derivation would be 40 percent how many percent your students 40 percent of the amount are outstanding or the limit sanctioned whichever is lower the participation however should be in standard assets only and interest rates are determined between issuing bank and the participating bank another one most important features and that is interest rate are determined between issue bank and participating bank and the next is the issuing bank and participating bank how to enter into participation contracts in the format prescribed and i ibps are not transferable okay naive pieces con can be redeemed before due date okay those this is the simple information regarding ib pcs and ibps is the another most important uh treasury instruments okay so dear students the next and last instrument is uh collateralized borrowing and lending obligations right means in short cb oh okay so listen carefully the information regarding cblo and that is cblo is a money market instruments all right cblo is a money market instrument so you can see blue user treasury instruments approved by a reserve bank of india who approved the instruments reserve bank of india approved this instrument so can this is a product developed by ccia clearing corporation india limited for the benefit of the entities who have either been phased out from inter bank call money market or have been given a restricted participation in term of selling on call borrowing and lending transactions and who do not have access to the call money market and cblo is a discounted in instruments available in electronic book entity from the maturity period ranging from one days to one day to 19 days okay so and can be made available up to one year as per rbi guidance so this is the simple information regarding cb yellow soda students a cblo issued by or approved by reserve bank of india and the maturity period ranging from 1 days to 19 days okay so the students okay treasury instruments call money notice money term money bank fixed deposits then me bill rate discounting scheme then inter bank participation certificates then cb yellow so these are the all uh instruments of tragedy or you can say treasury instruments so dear students next content we will start in next lecture okay thank you