General Awareness prepration tips download

Thinker. Powered by Blogger.

Followers

Latest Updates

Friday, September 30, 2011

Computer fundamental for Varies competitive Exams

4 comments

Computer Fundamental


Analytical Engine- made by Carles Babbge (Father of Computer)
-can do six degree of pronominal calculation.

Kananrd Zuse -made first computer and named it Z1 (FIRST PROGRAMMABLE COMPUTER)


  • ENVIC-HAD 20,000 VACCUME TUBE,FIRST ELECTRONIC COMPUTER
  • Lovelace was first computer programmer
  • George Boolie- first develop Boolean Algebra
  • Intel and Motorola Makes processor. Intel makes for IBM and IBM compatible computer Ex Pentium ,and Motorola makes for Apple ,latest one power PC ie G3 for I MAC

  • COMPUTER-have two parts :
  1. Hardware
  • Input-Ex: Keyboard,Mouse,web cam,Joystick,Light pen,MICR,OMR,BIOMATRIX,STYLUS,MICROPHONE.
  • Processing-Ex ; CPU,Motherboard,RAM,SMPS.
  • Output-Ex : Monitor,Printer,Speaker,Plotter,Projector.
  • storage-Ex :Hard drive,Floppy Drive,CD,DVD,BRD,Lip Drive,Memory Card,Pen drive,Magnetic tape
2. software

  • Keyboard-Keys F1,F2 to F12 :are called as Function Keys
0123 to9 :are called as Numeric keys
ASDF :are called as Alphabets
ALT,CTRL :are called as Special Keys

INPUT-------> PROCESSING-------->OUTPUT----------------->STORAGE(SAVE)

Different computer generation


  • First Generation:(1951-58) computer have Vacuum tube that's work on thermionic emission
Drum as Primary storage
Punched cards/paper tape as Sec storage media
Ex- ENVIC,EDVAC,EDSAC
  • 2nd Generation:(1959-64) Semiconductor with impurities best called as Transistor
Magnetic core as primary storage device\
tape sec storage device
FORTAN,COBAL language evolved
Ex IBM 700,1401
  • 3rd Generation:(1964-71) IC( Integrated Chips) evolved ie Transistor packed on thin Wafer
Magnetic disc used for sec storage
COBAL,ALGOL Language evolved
First time Operating system used
Multiprogramming evolved
Ex-IBM 360/370




  • 4th Generation (1971-85)- have very large scale IC(VLSIC) that,s have huge unit of Transistors Packed.
Semiconductor used as primary as well as primary storage device.
Micro and personal computer developed
CRT monitor developed
Application developed
Virtual OS
Microprocessor used



  • 5thGeneration-Artificial intelligence
    LISP(Special Purpose Language) will be used
Prolog(pro-gramme for logic)
SMALL,TALK,
Truly 5th Generation computer is not available
would use organic chips..



When computer start from scrap following steps would take place

  1. computer on
  2. on screen BIOS(Basic Input output system) will displayed.Bios is set of instruction in  ROM that controls how hardware and OS communicate to each other.The process of putting BIOS on RAM is K/A SHADOWING
  3. After that computer will perform POST( power on Self Test) ie a set of test for hardware.
  4. After that computer look for OS,first in floppy drive than in hard drive.
  5. For DOS/Window KERNEL loaded first,Now computer look for three files ie
  • command langauge interpreter:key stroke 1and 0's
  • config-sys-what device connected: ex -mouse,cd drive,scanner,
  • Autoexec.bat :does optional task like running prog.



Computer have 3 parts ie
  • Peripheral Parts ---Hardware
  • Buses and Cables-interconnecting wires
  • Data given and output required

Bays-A space where hardware ,floppy drive or CD ROM drive sit.

ROM chips,RAM chips and CPU are all plugged to small socket on motherboard.

AUXILRY CIRCUIT BOARDS K/A cards,can be plugged into larger extension sockets. These sockets holds CD-Rom. Sound Card,Fax Modem Cards.

Transformer – convert normal hose hold current to much lower voltage which the mother can use.



PERIPHERAL DEVICES:Hardware component ie Input devices, output devices ,storage,processing.
  • INPUT DEVICES

  1. Keyboard :
  2. Digitizer:used to draw pictures /scteches images through cursor pen.
  3. Mouse
  4. Scanner:Use optical character recognization technique .Varies types ie Flatbed Scanner,Shetheld Scannner,Handheld Scanner,Drum Scanner.
  • OUTPUT DEVICES :
  1. Printer: two types -Impact and Non impact Printer.Impact printer is of 3 types ie Dot matrix,Line printer,Daisey Wheel Printer(can Print short Images on Papper or on Sheet).Non Impact printer is of 2  types ie Inkjet/Bubblejet Printer and Laser/page printer. (Plotter are used to draw high quality images of various colors and draws continuous lines).
  2. Memory:Two kind of Memory ie



RAM
  1. Instuction Disappears when computer turned off,
  2. OS ,programme,Data Kept
  3. faster than other storage
  4. Little storage capacity
More RAM faster PC

ROM:
  1. Instruction data not disappear when computer turned off
  2. also K/A as primary storage
  3. Have switches that are permanently set factory


  • PROM(programmable Read only memory)- one time writable
  • EPROM(Erasible Prograbble read only memory)-Erased by Ultravoilet light,reusale,most commonly used.
  • EEPROM(Electricaly Erasible Prograbble read only memory)erased by high electric current,Not necessory to remove from PC for erasing ,reusable limited life.
  • FLASH RAM-Part of EEPROM,erased at normal PC voltage ,constantly powered,used in Digital Camera,LAN switches.
  • DRAM(Dynmic random Access Memory )Most common RAM,require to refresh after little intervels of for few millisecound for retaining data,use capacitor and transister for storage cells.Capciter losses electric charges quickly ,need to charge .Slower than SRAM.
  • DRDRAM(Direct Rhambus DRAM)
  • SDRAM(Synchronus RAM)
  • SRAM(Static RAM) used as cache memory.
The Magnetic media storage is of two types ie



  1. Primary Storage /Internal Storage:Store data which are in current use.
  2. Secoundary sorage /Auxillary storgae:store data which are not in current use.Under secondary storage comes-


>Floppy disk drive

>Hard disk: invented in 1950,
no.of mettallic disc mounted on a spindle that rotate at speed of 3600-7200 RPM .
Huge storage.
Immovable

>CD-ROM-optical disc:most popular and least expensive device.
CD-ROM-read only
CD-R/W-read and write

DVD-Digital versatil disk/digital video disk:


Bit---------------------0 or 1
Nibble-----------------4 bit
Byte---------------------8 bit
KB(kilo Byte)------1024 bit
MG(mega byte)----1024 KB
GB(Gega Byte)----1024 MB
TB(Tera Byte)-----1024 GB
PB(Penta Byte)----1024 Tb
EB(Exa Byte)-----1024 PB



Processing Devices:has 3 unit ie

  1. ALU(Arthmatic Logic unit):

Microprocessor :does some rough work during processing ,thiss space for rough is callled as Register


Memory on Motherboard -RAM,Cache,Primary and secoundary storage

Memory on Microprocessor-Register

Microprocessor and co-processor on mother board resides on motherboard.
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





                                          Operating System(OS)


  • OS interface apllication with mechine
  • OS is system software,provide easy to use command to user,
  • Ist operating system automated the loading,compiling and assembling also do job transition and job sequencing ,It was K/A Batch OS
  • OS responsible for
  1. controlling input and out put
  2. directing flow of information to and from processor
  3. when computer start from scratch at time of booting,OS is first things that is loaded.OS checks all memory ,display error in case of problem
  4. Apllication software need OS to make hardware do what user desire.OS work in Back ground
  5. It manage all files ,directeries access permission on the files .
  6. It memory allotment when user open application.


Screen where instruction are inserted through keyboard is K/A Interface /front end,Interface is of two types ie
  1. Commandline interface:non graphical Ex DOS
  2. Graphical Interface :Images,textboxes,buttons ,command buttons,radio buttons.Ex Window.

Mac OS-OS 1 and 8.x/9.x,OS10.1,x
IBM OS-OS 2
UNIX,LINUX,WINDOW NT/200-used in mainfarme computer.
UNIX is most secured OS.



Types of OS on basis of User point of View

1-single Program Os-Only one user programme resides in memory at time.
EX-CP/M-for 8 bi micro-computer.

2-Multiprogramming OS-Multi programme stored in memory at same time,but one programme at a time is processed.
Memory managment is needed.
Paging is very popular memory managment.Main memory brakes into pages frame.Programme brakes into pages.




OS allocate 1 or 2 pages frames to pages (depending on the size of the page).Pages are brought into main memory as and when required so at time memory appears than its hardware capacity this illusion is caled as Virtual Memory and process called as demand paging.

3-Time sharing OS:Its type of Multiprogramming.
Several user residing in main memory and CPU switched B/w them rapidly .
CPU shared among several user prog.and each one allocated a fixed time K/a time sharing system
system have special device K/A Tuner
Prog.have to wait but CPU fully utilized K/A round robi Scheduling
Paging and dynmic paging technique used.



4-Multi-Processor Os: more than one processor with common memory
Allows parallelism ie several instruction has to be executed simultenously
:::

5-Virtual storage Os: incorporate demand paging for main memory.
Large and expensive.


6-Real Time OS : Used in Airtraffic control system,patient monitoring.
Have rapid response and reliable.







Commonly used OS


Windows: Microsoft,Graphical interface,expansion of MS-DOS,
Multi-tasking OS
from 4th verion ie Window 95 its independent from MS-DOS
Window NT-used in Networking.


UNIX_-Devloped by AT and T Beu Lab in 1969
Not GUI type
Muti-programing ,multitasking,multiuser, cryptic,userfrandily,very secure,
2 agencies work for it -
  1. Kernel-K-interect with mechine
  2. Shell-interface B/W user and kernel.

OS/2:Devloped by IBM
for mainframe
32 bit
faster than DOS,suitable for multimedia
multitasking,networking


MS-DOS:version 3.2,4.0 etc
single user
non GUI

CP/M(control programme /micro-computer)most commonly used OS for 8 bit intel 8080 or Zilog microprocessor.



OS used in Mobile device
  1. Ios:Apple
  2. Window:Microsft
  3. Android:Google,open source,Linux based
  4. RIM:Blackbery
  5. Web Os: from HP,devloped by PALM,Linux based
  6. BADA:samsung
  7. Linux:open source
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



COMMON COMPUTER LANGUAGE:
Programming language is a medium through which instruction when given to computer makes computer follow them,
This sequence of instruction is called as Programme.

Different languges are


1-Pascal:Syntax-
surface form of any language.
Semantics-meaning of language.


2-C Language:

3-COBAL (Common business Language)

4-FORTAN(formulla Translator


5-Basics(Beginners all purpose symbolic instruction)


6-C++- objective oriented programming(opp)


7-Java-OPP







Mechine Language:Directly understood by computer
Only binary system used
not easy to understand
compiller-convert certain language to mechine languge
Every computer has its own binary code.

Assembly Language: 2nd genration Language
low level languge
most appropriate for writing OS

High level language:have low tendency to produce bugs(errors),
Debugging-correction of error.


1st Genration-0 1 binary digits.

2nd genration-use symbolic names instead of just no.s

3rd Generation-use words instead of just number and symbols.
Has syntex much easier to understand
high level language
Ex-c.c++ Java.java scripts,

4th Genration -close to human language
used to access and include SQ2 and cold fusion ,among others

5th Genration-used for neuronal network
form of artificial intelligence



Web languages used for creating webpages.

  1. HTML-hypertext markup language
  2. xml-extenseble markup language
  3. Javscipts-for animation
  4. VB scripts-visual basic sripts,Ex-Internet explorer
  5. PHP-hypertext preprocessor
  6. Java-
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------


SHAPES OF COMPUTERS
1-Supercomputer-most powerfull,largest,
perform 1 trillion calculation /Sec
need lots of power and cooling
expensive
used for scientific work
Ex-K-computer-Japan- speed 8.162 Pentaflops
Tiahe-1A -China-speed 2.57 pentaflops
Cray XT-5 Jaguar-USA-Speed 1.75 pentaflops

2-Mainframe computer:Largest commony used computer,
Used in Banking and insurance sector
Used where same data are access again anad again
used as server for www
computer terminal (Doesnt have CPU) wired to mainfame
Largest Mainframe EX IBM S/390-can support 5000 user simultanously


3-Minicomputer:Capabilties lies in B/W Mainframe and Midrange computer
Handle much more I/O(Input Output) than PC
can be used as web server
used in animation work
can attach 500 user simultanously

4-Workstation :lies in B/W Midrange and PC
have sophosticated software like CAM,CAD
OS used in it are UNIX,Window NT

Ex-SPARC(From SUN),IBM RS/6000

5-Personal computer invented in 1970,small and enexpensive
K/A microcomputer
single used
use microprocessor
First Pc Apple II,IBM PC

6-Net book-lightwt less than 6 pound


7-Laptop-fit in your lap

8-Handheld computer-PIN(Personal information manager)
PDA(personal digital assistant),Palmtop



---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------


    Connectivity
  • OSI Refrence: International Standerd Organization
    Seven Layer model

Each layer perform single activity

  1. application layer:Interface between computer and user
  2. presentation Layer:Covert text into binary or encryptist,puts wrpper or header on data
  3. session layer:Deciedes which rule/protocol followed for transmission.
  4. Transport :assures correct transmission of data,receipent send acknowldgement to this layer
  5. Network:segment data into packets.Network head started and role of Hardware start
  6. Data Link: brakes packets in frames
  7. Physical: encodes 0 and 1 to +,- voltage



  • TCP/IP Refrence model: Internet was based on TCP/IP refrence model
It has following layers

  1. Transport layer: same as OSI, Two protocol ,only one protocol work at a time.
a)TCP(Transmission control protocol) >reliable connection oriented protocol.
>Assures bytes stream (data from)one mechine to another without any error.
>divides data into packets and rejoin it at distination
>control flow of data.
b)UDP(user data gram protocol):>unreliable
>just transmit data
>no error or control flow handling
>used when time delivery is importent ,Ex Video confrencing.


2-Application layer:all higher level protocol
a)Telnet(virtual terminal Protocol)It helps user one mechine to log into distant mechine and work here.
b)FTP(file transfer protocol)
c)SMTP(simple mail transfer protocol) used in E mail
d)DNS(domain name system) mapping host on their net addresses
e)NNTP
f)HTTP-to fetch pages on www








--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------




Networks:interconnection of computer/terminal/teliphone,


There are 6 types of networks
1-Mesh Topology:Every computer is connected to others.
Have high fault tolerence
expensive

2-star Topology : every node is connected to centrall node
server fails -network fails
easy to install,wire and troubleshoot

3-Tree Topology-One star topology connected to other via HUB

4-Bus Topology-

5-Ring Topology




----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------


Security issue of Internet:is of following types

Insecurity:1)loss of missing data
2)data read by unauthorized PERSONAL
3)you may receive dirty data

solution :
1)Missing Data:least harmfil solution is retransmission

2)Unauthorized access:called as hacking
solution is called as access control mechanism ie
a)passoword varfication
b) encryption

3)Dirty Data: They are of folowing types

a)TROJANS:Programme appear normal but carrying destructive payload.

b)stealth Virus:a train virus that is the fastest in replication and relocation

c)Virus:is of following types
1>Boot Infecters:reside in boot secter,take complete control over system
2>System Infecters-destroy Operating system,attach to command .com file,slow down computer
3>exe infecter

solution is- ------ to dectet them before entry ie by firewall(check outgoing and incoming information) or by antivirus
---cure the infected portion

d)Worm:are similar to virus ,but they differ from virus in following points
.>It has capabilties to travel to another computer without human activites
.>It have capabilty of replication.


General Awareness Month June 2011

1 comments
  • French Open Winner 
  1. Women-Li Na (China) defeated Francesca Schiaovna in Final,
  2. Man-Rafel Nadal (spain) defeated Rodger Fedrer (switzerland) in final.
  • C.K.Naidu Lifetime Award(given By BCCI) winner- Mr Salim Durrani
  • India slept to 75 on the NON WELLNESS SCALE
  • G-8 Meet held in Dequrille(France)
  • Interest rates on saving A/c 4%
  • Basel 3 from Jan 2013
  • ASEM asia Europe forum foreign Minister meet at GODOLLO-Germany ,Next summit will be held in Vietnam (laos) in 2012
  • India to help Nepal to Manage Poll .MOU signed
  • shanghai corporation organization (SCO) 10 th  anniversary summit in ASTANA.
  • National Rural Health Mission (NHRM) -now BIDI worker will be included
  • Indra Gandhi widow Pension Scheme-from age 40 to 59 yrs
  • Indra Gandhi Handicapped Pension Scheme -From Age 18 to 59 yrs
  • Turkish New Prime Minister-ERODGAN
  • M.F.Hussain passes away in London .Quater offered him Nationality
  • SBI Joins hands with IAG(Australiya) to comes in General Insurance.
  • Monetary Policy Advisory Com-mite  established in 1 june 2004 ,headed by Mr D.Subbarao
  • SBI Chairman Mr Prdeep Chaoudhary
  • NSA(national Security Advisory)shivsanker Menon
  • LAF(Liquid Adjustment Facility)
  • MSF(Marginal Standing Facility) 8..50% from 20 June 2011
LAF is tool used in monetary policy that's allows banks to borrow money  through repurchase agreement.
MSF-Bank will liable to borrow upto 1% of their respective Net Demand and time Liabilities ,rate of intrest 100 base point (1%) above repo rate.

  • ONGC (Oil and National Gas Corporation ) has made two oil and gas discoveries in GUJRAT
  • Chinese economy will grow by 9.3% this yr- World Bank
  • 3Rd annual Intellectual award won by Tata Steel for highest number of Patent ie 103
  • Chenese economy will surpass US economy bt 2016-IMF
  • Global Women Summit Held  in Istanbul
  • Indian Population will be 1.7 billion in 2060-UN
  • India will provide EVM(Electronic Voting Mechine ) to EGYPT
  • Japan announces 50 $billion disaster relief budget 
  • Centere govt of India Announces nearly 350 cr Rs for devlopment 35 Mega Project in J & k
  • Aung San Suu Kyi-Mynmamar Democracy icon
  • India sign  $ 69 million agreement with Asian Development Bank(ADB) for M.P -Power sector investment project
  • India sign $ 56.9 million agreement with ADB to tackle flood and erosion problem in Assam
  • India sign $ 150 million agreement with ADB for e- delivery of Public services Devlopment Policy Loan
  • HELIANA-indegenouse developed surface to ground Anti-Tank Missile,Upgraded version Of NAG.
  • ISRO build India s Fastest Supercomputer  ie SAGA-220
  • India will give $550 million package to Afganistan.
  • Directer Genral of Doordarshan News- Mr S.M.Khan
  • President Indian Olympic Association-Mr V K Malhotra
  • Lobsang Sangay-take over the political duties relinquished by Dalai Lamba.
  • MD of BSNL-Mr Rakesh Kr Chaoudhary
  • Gwangjhu Price  2011-Mr Binayek sen Given by south Korea
  • Phalke Ratan Award-Mr Dharmendra
  • Book-River of Smoke  written by Mr Amitabh Gosh
  • Henal (Leh) GAMA ray telescope 
  • Chetan Anand -winner of Mauritus open Badminton
  • Indo-African  2nd summit held in Addis aabbaba
  • African Union chairperson -Mr Theodore obiang Naguem
  • 3rd  Indo African summit will be held in 2015 in N-Delhi
  • CRDD-convention on the Right of person with Disabilities
  • G8 countries-France,USA,UK,Russia,Germany ,Japan,Italy,Canada
  • Next meeting of G8 will be held in USA 2012
  • RBI predict India GDP growth 8.2% for 2011-12
  • Centuray Largest eclipse occur -16/6/2011
  • Forbes Global Listed 57n India companies 2011
  • 121 rank-Reliance Industries
  • 136 rank SBI
  • Santosh Trophy (Football) winner -Bangal
  • Nester, Mirnyl -winner of French double (Man)
  • Hrdecka-Hlavackova-winner of French double (women)
  • Ranjan Mathai will be new foreign secretary.
  • Nirupma Roy will be Ambesdor of America
  • First Women Foreign -Chokila Ayar
  • Nak Browne-Chief of air staff
  • Rajiv Kr-FICCI secretory General
  • Ajit Kr Seth-Cabinet Secretary

Tuesday, September 20, 2011

General Awareness Month May 2011

0 comments
  • Japan currency -Yane
  • world biggest restorent chain- Subway
  • Highest Growing economy-Ghana (20.14 %)
  • World Bank-India will surpass Chinese Economy growth by 2012
  • ILO (International Labor organization),
  • TAPI-Turkimistan Afganistan Pakistan India ,17000 km long oilpipe line from Turkimstan Daultabad to Fazikulla India.
  • Tista and Feni River  Agreement-water distribution agreement between India and Bangladesh.
  • Lasith Malinga announces retirment from Test cricket.
  • Human Devlopment report-India comes at 119 out of 169 countries.On top-Narve ,On bottom-Zimbawe.
  • United Nation celebrate this year (2011)as international year of Forest.
  • Tiger Submitt Russia 2010
  • Prvasi Bharti Divas -9 th Jan 2011
  • 5th East Asia summit-place Vietnam (Hanoi)
  • START(strategic Arm force Reduction  Treaty) b/w USA and RUSSIA.
  • Japan Earthquake -11 March 2011,earlier measured 8.9 on Recter scale now corrected to 9.0,
  • World cup 2011-14 team,49 match,43 days,
                                        Place-India,Bangladesh,Srilanka.
                                       M.H.Dhoni-Player of Final 
                                       Yuraj Singh-Player of the Tournament
  • PMLA-Prevention of Money Laundering Act
  • PAC-Public account Committe.
  • Political and economic risk counsaltency ltd
India -16th most corrupted country in Asia,Below Mangolia and Pakistan
1st -Combodia
  • Operation safe home-carrying Back of Indians from Libiya
  • Operation Excellence London --for Olympic 2012
  • TItenium Factory in India-Kerla
          Earlier its imported from Russia.
          3rd largest collection in World.
  • Susheel Babanj Yudhyano-Indonesia Prime Minister,Chief guest at  Republic day of India
  • world Bank accept to give 1. arabs to Prime Min-ester Grammin Sarak Yojna.
  • MANERGA-earlier in 2005 launched in only 200 district,but now in 625 District.
  • CAG logo-Made by Shivam Dua
  • CAG Head-Vinod Rai
  • UNICEF-on 24th oct initiated a programme  in accordance with the RTE(right to education Act) for basic education of childreen programme K/A SPEAK UP.
  • Eassr and Vodafone Separation,Essar had 33% share 
  •  National Payment Corp will launch INDIA CARD which will take place of Master and Visa card
  • USE(United Stock Exchange of India) -launched on 24 sept2010,will working in 4 currency ie Dollar,Euro,Yen,Pond.
  • SEBI Chairman -C.B.Bhave
  • RBI has sold its stake in NABARD to Govt.RBI stake is  2.5% ie 1450 cr in NABARD.
  • RSBY(Rastriya Swastha Bima Yojna)-Now include Vendors BPL family,30 ths rupees cashless treatment.
  • Share of Agriculture in GDP( 2010-11)-14.2%
  • Share of Industry in GDP(2010-11)-28%
  • Share of service Secter in GDP(2010-11)-57.8%
  • Govt raises intrest Rate on EPF 9.5% 2010-11
  • Democratic Revolution in TUnisia K/A Jasmine Revolution
  • ""            "             "       " Egypt  K/A Lotus or White revolution
  • Total Atmoic reacter in world -442
  • Times higher Education list no.one -HAWARD UNIVERSITY
  • Maximum expenditure in election -lokshabha-40 lakh,VIdha shabah  -16 Lakh
  • Endosulfan pesticide Banned by Kerla Govt
  • Netherland First country to accept Euthansia
  • Kazakistan-capital Astana
                            President-Nazerbajev
                            India signed 3 agreement ie on Hydrocarbon,Nuclear Energy,Cyber crime
These agreement will enable ONGC Videsh (OVL) to aquire 25% equity in Kazmunaigas(KMG).
  • Central Board of Film Certification (Censor Board) New Chairman -Lila Samson
censor board issue 4 type of certificate ,1-A type -Only for Adult
                                                            2-AU Type-for everyone but with  statutory warning
                                                            3-U - for All
                                                             4-s- for special people
  • Arab Leage -Head Umar Mussa,expelled Libiya from membership,Total No of members 22 countries
  • Cristal Award-A R Rahman ( In World Economic Forum)
  • Earth Hour-26 March(8.30-9.30 Pm)
  • DIN(Document Identity Number) will be issued by Income Tax Department
  • Atorny Journal Of India  -G.E.Vahanvati
  • Saurav Ganguly Backs in IPL with Pune Worriors
  • K.V.Kamath-Infosys Chairman
  • Geneva Convention -India will phase out Endosulfan pesticide in 11 yrs
  • Auranchal Prdesh CM Dorjee Khanduu Killed in Chopper Crash
  • Mohd Yunus-from Bangladesh,resigned from Gramin Bank,Nobel Prize Winner
  • GST Commite Head-Asim Das Gupta
  • Duccan Fletcher -Indian Cricket Team new Coach
  • Cabinet scretery-Ajit Kr Seth will replace K.M.Chandrasekhar
  • UNESCO(United Nation Educational Scientific and cultural organization) shortlisted the Western Ghat for inclusion in World Heritage list
  • FCCB(Foreign currency Convertible Bond)
  • 2nd Indo African Summit -India will give $570 Cr to Africa
  • Mahendra  Singh Ticket Dead-(Kisan Neta)
  • French Guuana -G Set 8-Indian Satelite.
  • Ajlan Saha Hockey cup won by Australia
  • JORBOM GAMLIN new CM of Aurunanchal Pradesh
  • Dada Saheb Falke Award 2010-K.Balachnader (Film Directer)
  • Kanistha Dhinker Miss Famina Indai 2011
  • D K Malhotra -appointed as acting chiarman of LIC
  • Siemens Get NBFC (Non Banking Financial corporation)
  • Core secter growth dips to 5.2% in April this year from 7.5% alst year
  • core secter include -cement,steel,crude oil,and electricity
  • IIP-Index of Industrial Production
  • Fiance secretary-Sunil MItra
  • Janani-Shishu Suraksha Karyakaram-upto 30 days after birth of child
  • Sepp Blatter-relected as FIFA president
  • Binayek Sen has been made member of planning commision steering committe of Health 12 th Plan(2012-17)
  • 58th National Filam Award
  1. Best film -Adaminte Makan Abu(Malyalum)
  2. Best Directer-Vetrimaran for film AdduKulam (Tamil)
  3. Best Actor-Salim Kapoor for film Adaminte Makan Abu and dhanush for film Addukulam
  4. Best Popular film-Dabbang
  5. Best Hindi Film-Do dine Char
  6. Best Actresses-Mitalee Jagtap for film Baboo Band Baja ()marathi
  • Man Booker prize winner-Philipes Roth
  • Angela Morkel(German Chanceller)-Nehru Award winner




    Thursday, May 5, 2011

    Banking Terms

    0 comments
                                                 
                                       Indian financial System


    A financial system work as  an intermediate and facilitate the flow of funds from the areas of surplus to area of deficit.


    Major function performed by Indian financial system :

    1. Saving function
    2. Liquidity function
    3. Risk Function
    4. Policy function
    5. Payment function

                                                      Financial Market

    can be divided in to two parts
    1. Money Markets:Have short term maturity ie less than or equal to 1 year.some example of money markets are,
    • Call Money Market-Maturity Period from 1 to 15 days
                                             Money lent for 1 days is called as Call Money
                                            Money Lent for >1 But <15 days -called as Notice Money

    Call money borrowed from the market to meet various requirement of commercial bill market and 

    banks.Bank borrow in capital market to meet CRR ,and sudden demand of fund.
             
                               Call money market located in Mumbai,Kolkata,Chennai,Delhi, Ahmadabad.

    Participant in this market are split in two category
    1. Who can lend and borrow money Ex.RBI,its intermediaries like DHFC,STCI, and commercial bank
    2. who can only lend money Ex,Financial Institution,Mutual funds

     Interest rate paid  on call loans called as Call rates

    • Commercial paper and Deposits(CP):
    unsecured

    issued in form of Promissory notes

    CP issued by -corporate,primary dealer(PD)
                       -all India Financial institution (FI)

    CP issued always in multiple of 5 lack

    Participant should obtain Credit rating from  
    • CRISIL( Credit rating information service of India Ltd)
    • ICRA(Information and credit rating agency of India Ltd)
    • CARE(Credit analysis and research Ltd)
    • FITCH rating India pvt Ltd
    Rating should be P-2 of CRISIL or equivalent

    Corporate is eligible to issue CP net worth of 4 crore


    Financial institution -issue should not exceed 100% of their net worth.


    Issuer appoint -Issuing and paying agent (  IPA)
                          -all scheduled bank act as IPA.


    CP attract stamp duty -0.25 % for primary issue except bank 0.05%.
                                       -no stamp duty for secondarily issue 

    • Certificates of Deposits(CD)
    lowest risk next to T-bill.


    secure


    Negotiable promissory notes


    Issued  by Scheduled commercial bank  selected all India financial institution , 


    Regional rural and Local area bank can not issue CD.

    Minimum amount for investment 1 lakh


    should not be - less than 7 days or more than 1 yrs for bank
                          -less than 1 yr or more than 3 yr for financial institution.






    2.Capital Market:

    • Primary market-borrow from the market
    • Secondary Market-liquidity function 
     
    A company can raise a capital through issue of Shares and debenture by means of 
    • Public Issue-involve raising of fund directly from the Public
    • Right Issue-raising additional finance from existing members on pro rata basis.
    • Bonus issue-some company distribute profit to existing shareholders by the way of  full paid Bonus shares in lieu of dividend.
    • Private placement-is the direct sale by Public limited company or private limited company to limited number of sophisticated investors such as UTI GIC.
    • Bought out Deal(BOD)


                             
    ----------------------------------------------------------------------------------------------------------------------------------
                          
                                 Types of Govt Securities

    • Govt securties are also called as Gilt-edge securties(Intrest and principle payment gauranted).
    • Long term securties >10 yrs
    • Medium dated >5-10 yrs
    • Short term <5 yrs
    • securties are of following types
    1. Central Govt securties
    2. State govt Securties
    3. Securties Gaurded by Central govt for All India Financial Insitution like IDBI,ICICI ,IFCI.
    4. Securties Gaurded by Statte Govt for Insitution like Electrical Baoard,Housing Board.
    5. Treassury bill issued by RBI.



    Securties are issued in three form-
    1. Stock Certificate-When Public debt issued in the form of stockthe owner get a certificate specifying that he is a registerd holder in the book of Public Debt office(PDO).The certificate indicate the intrest rate,inerest due date and face value of stock.
    2. Promissory Notes-Promissory notes contain a promise by the president of India or the Governor of the state for the payment to the holder the consideration along with the interst.
    3. Bearer Bonds





                       

                    MARKET OF GOVT SECURITIES-




      • PRIMARY MARKET:



      1. Quantum of Issue-The govt of India declares its quantum of borrowing in its budget statement. They are issued by RBI on behalf of Govt of India to finance the deficit and public secter development programme.
      2. Timing of issue-auction are usually timed during high liquidity to raise the maximum amount at the best price .
      3. Term of Issue-all related terms are drawn by RBI.
      4. Procedure of Issue -issued by Public Debt office of the RBI.


      Investors :
      1. Commercial Bank
      2. Financial Institution
      3. Large corporate bodies
      4. RBI
      5. Foreign Institutional Investors.


      SECOUNDRY MARKET:RBI approved brokers are permitted to transact bussiness in securities with bank,institutions and RBI.
      Investors in secondary market are Financial institution ,the broker and RBI.


      T-Bills:
      • Treasury bill are raised to meet short term requirement of Govt of India.
      • T Bills are issued in form of Promissory Notes(or Scrips) or credited to SGL account (Subsidiary General Ledger).
      • T-Bills are issued for minimum for Rs 25,000 and in multiple of Rs 25,000 thereof.
      • Types of T-bills-
      1. 364 days T-bills
      2. 182 Days T-Bills
      3. 91 Days T-Bills
      At present GOI issue only 91 Days and 364 Days T- Bills.




      PUBLIC SECTOR UNDERTAKING (PSU) Bonds:
      • Issued by public sector units such as Indian Rail,Nuclear power corporation,MTNL,Coal India,etc
      • These bond carry 7 yrs Maturity
      • Normally of two types
      1. Taxable-carry a coupon rate of 13% pa
      2. Non Taxable-Carry a coupon rate of 9% pa( issued by Indian Rail,Urban development corporation only)
      • minimum of 5 crore.


    Tuesday, May 3, 2011

    Fundamentals of Economics

    2 comments

                                                               MACROECONOMICS



    Macroeconomics is the study of economy as whole. It analyze the the cause of major problem such as unemployment rampant inflation , low wages.

    Objective of the Macroeconomics policy are achieving:
    • High level of output(GDP)
    • Full employment
    • Price stability
    • sustainable Balance of Payment
    • Rapid economic growth

    GDP-(Gross Domestic Products) Its the measure of the market value of all goods and servic produced by factors -labor,and property- located within boundaries of country,,during specified period of time annual.
    GDP
    • Nominal GDP -at base price
    • Real GDP-adjusted for price change.

    Potential GDP-maximum output an economy can produce when it's all resource are fully employed.

    GDP Gap-Potential GDP-Actual GDP.

    If Actual GDP >Potential GDP- Inflationary output GAP

    If Actual GDP<Potential GDP- Recessionary GDP GAP

    Objective of macroeconomics is to increase potential GDPmin long run.


    GDP =NDP + Depreciation where NDP is National Domestic product

    GDP-within boundaries of Country.
    GNP-resident of countries either in or abroad.


    GDP deflater = Nominal GDP/ Real GDP

    GDP deflater measure the price level

    % change in GDP deflator is equal to inflation rate during particular period.

    Personal Income=NNP at factor cost -corporate tax- unattributable profit – transfer of payment

    Disposable income=Personal income – personal taxes

    GDP= C+I+G+(X-M)

    Where C – consumption
    I -Investment
    G-Govt expendature
    X-Export
    M-import
    X-M- net export


    Instruments of Macroeconomics polices:

    • Fiscal Policy
    • Monetary Policy
    • Exchange rate policy
    • International Trade policy
    • Employment Policy
    • Price and Income Polices


    Objectives                                                                       Tools/Instrument
    • High output level                                                     Monetary Policy
    • Low unemployment rat                                            Fiscal Policy
    • Stable Price level                                                     Exchange Rate policy
    • Maintenance of Balance of Trade Payment               International Trade policy
    • steady Economic growth                                          Price and income policy
                                                                                            Employment policy



    Contributors

    Subscribe in a reader BLOG DIRECTORY, Submit blog free, Promote Blog, Best directory