Challenges of Money Market Mkt in India - 3035 Words

Introduction The India money market is a monetary system that involves the lending and borrowing of short-term funds. India money market has seen exponential growth just after the globalization initiative in 1991. It has been observed that financial institutions do employ money market instruments for financing short-term monetary requirements of various sectors such as agriculture, finance and manufacturing. The performance of the India money market has been outstanding in the past 20 years. The central bank of the country - the Reserve Bank of India (RBI) has always been playing the major role in regulating and controlling the India money market. The intervention of RBI is varied - curbing crisis situations by reducing the cash reserve†¦show more content†¦As compared to the size and population of the country, the banking institutions are not enough. 6. Shortage of Capital: Indian money market generally suffers from the shortage of capital funds. The availability of capital in the money market is insufficient to meet the needs of industry and trade in the country. The main reasons for the shortage of capital are: (a) low saving capacity of the people; (b) inadequate banking facilities, particularly in the rural areas; and (c) undeveloped banking habits among the people. 7. Seasonal Shortage of Funds: A Major drawback of the Indian money market is the seasonal stringency of credit and higher interest rates during a part of the year. Such a shortage invariably appears during the busy months from November to June when there is excess demand for credit for carrying on the harvesting and marketing operations in agriculture. As a result, the interest rates rise in this period. On the contrary, during the slack season, from July to October, the demand for credit and the rate of interest decline sharply. 8. Diversity of Interest Rates: Another defect of Indian money market is the multiplicity and disparity of interest rates. In 1931, the Central Banking Enquiry Committee wrote: The fact that a call rate of 3/4 per cent, a hundi rate of 3 per cent, a bank rate of 4 per cent, a bazar rate of small traders of 6.25 per cent and a Calcutta bazar rate for bills of small trader of 10 per cent can existShow MoreRelatedTrung Nguyen Coffee5015 Words   |  21 PagesLecturer: Ms. AnhTho Andres Mr. Nguyen Van Hoan COURSE CODE: Final Assignment MKT 601 - DOAN KIM HIEP UBIS INTAKE 2012 - 2013 Page 1 MKT 601 Final Assignment Name of student: Doan Kim Hiep Class: MBA UBIS INTAKE 2 Case of study: Export strategy of Trung Nguyen Coffee Company I. INTRODUCTION Vietnam’s leading coffee company, Trung Nguyen is looking to turn Vietnam into a global coffee powerhouse. Coffee is a massive global market: roughly 2.5 billion cups of coffee are consumed around the world everyRead MoreSwot Analysis : Booster Juice1932 Words   |  8 PagesMassiel Urena MKT 4220-02 International Marketing Professor Ying C. 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