Question
According to the revised review of regulatory framework
for Housing finance company (HFCs), what is the reduced ceiling on the quantum of public deposits that deposit-taking HFCs can hold in relation to their net owned fund? Read the following passage and answer the following question. Housing Finance Companies (HFCs) and Non-Banking Financial Companies (NBFCs) have seen significant regulatory changes over the past decade. Following the transfer of HFC regulation from the National Housing Bank (NHB) to the Reserve Bank of India (RBI) in 2019, the regulatory landscape has focused on aligning HFCs with the broader NBFC regulatory framework. Recent changes include tighter liquidity management rules, new norms for deposit-taking entities, and restrictions on exposure to capital markets. These reforms aim to enhance financial stability and ensure that both HFCs and NBFCs adhere to similar prudential standards. In particular, deposit-taking HFCs are now required to maintain a higher proportion of liquid assets and adhere to stricter credit rating criteria. Additionally, HFCs involved in public deposit acceptance are mandated to implement more stringent controls around asset cover and deposit ceiling limits.Solution
Under the revised Master Direction – Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021, deposit-taking HFCs are now limited to holding public deposits up to 1.5 times their net owned fund, reduced from the earlier ceiling of 3 times.
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Only a few Beautiful is Intelligent.
Only a few Smart is Beautiful.
No Smart is Honest.
Conclusion:
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Statement:
Only a few Banana is Guava.
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Conclusions : I . Â No Tulip is a Daisy.
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Some dog are tigers.
Only a few tigers are lions.
All lions are cat.
Conclusion:
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All plant are trees.
Some trees are not forest.
Conclusions: I. some forest are flower.
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All P are Q
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Conclusion:
I. Some R are not S.
II. No P is a S
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All Colour is Bulb.
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No Light is Wall.
Conclusion:
I....Statement:
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Only Lace is buckle
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