Monetary Policy: SLR, CRR & Incremental CRR -Simplified | UPSC CSE 2022-23

The commercial banks liabilities be classified in three parts 1) time liabilities 2) demand liabilities and 3) other liabilities.
Out of the net demand and time liabilities (NDTL), commercial banks are required to maintain cash reserve ratio and statutory liquidity ratio (SLR) under the provisions of reserve bank of India act and banking regulation act with a lag of fortnight.
In the pre-LPG reforms era, high level of CRR and SLR were major impediments against business expansions and exports. But after the BoP crisis of 1991, as per the recommendations of M.Narasimhan Committee on banking sector reforms, both these ratios have been gradually decreased.

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