- The liabilities of a commercial bank represent the sources from which it obtains funds. - These liabilities primarily consist of deposits (demand, savings, and time deposits), borrowings (from other banks, RBI, etc.), and other liabilities. - Time deposits, such as Fixed Deposits (FDs) and Recurring Deposits (RDs), generally constitute the largest and most stable component of total deposits for commercial banks in India. - Demand deposits (Current Accounts and Savings Accounts) are significant but typically less stable and often smaller in volume compared to time deposits.
Which of the following is the most important component of the liabilities of Commercial Banks in India ?
Asked in UPPSC Upper Mains 2009 · Topic: Money & Banking (Commercial Banking: Structure, Functions, and Recent Reforms in India)
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