Credit Growth and Response to Capital Requirements: Evidence from Indian Public Sector Banks

This paper makes an attempt to assess the impact of imposition of uniform capital requirement norm on flow of credit to the business sector by the most important segment of the Indian banking sector, i.e., Indian public sector banks. A simple decomposition analysis of growth in assets portfolio as well as a model based analysis of credit growth for the Indian public sector banks corroborated that (a) in the post reform period, public sector banks did shift their portfolio in a way that reduce their capital requirements and (b) adoption of stricter risk management practice in respect of bank lending in the post reform period and its interplay with minimum capital requirements (regulatory pressure)have had a dampening effect on the overall credit supply.

Model dependence of the multi-transonic behavior, stability properties and corresponding acoustic geometry for accretion onto a spinning black hole

Multi-transonic accretion for a spinning black hole has been compared among different disc geometries within post Newtonian pseudo potential framework. The variation of stationary shock characteristics with black hole spin has been studied in details for all the disc models and compared for adiabatic as well as for isothermal scenario. The variations of surface gravity with spin for all these cases have also been investigated.Comment: 18 pages. 19 figure

Sustainability Assessment of the Groundwater Quality in the Khoyrasole Block, Birbhum District, West Bengal to Achieve Rural Water Security

In order to attain the water security goal, specifically in highly developing areas, delineation of pure and sustainable water resources is of utmost priority. In the present study, a preliminary investigation of the groundwater chemistry was carried out. This was followed by assessing the suitability of groundwater to be used as an alternative and reliable resource for public use in the Khoyrasole block, Birbhum district, India. Altogether 15(fifteen) samples of groundwater, were collected from bore wells spread well over the Khoyrasole block have been considered. After completing the chemical analysis of the groundwater samples, the study revealed the quality of groundwater. The spatial distribution of groundwater quality parameters such as pH, Total Dissolved solids (TDS), Hardness, Calcium, Magnesium, Sodium, Potassium, Iron, Chloride, Carbonate, Bicarbonate, Sulphate, Nitrate and Fluoride have also been studied. High to very high levels of iron and fluoride have been observed to be present in 67% and 53% of the samples respectively. Based upon the calculated parameters like SAR, MAR, PI and Chloro Alkaline Indices, groundwater of Khoyrasole block is majorly suitable for the purpose of agriculture and irrigation. Plotting of ionic scatter plots and geochemical facies also indicate the water samples to be of “fresh water” category, with no dominant cation or anion playing a selectively dominant role in influencing the groundwater chemistry in the study area