A debt instrument is a tool an entity can utilize to raise capital.
It is a documented, binding obligation that provides funds to an entity in return for a promise from the entity to repay a lender or investor in accordance with terms of a contract.
Debt instrument contracts include detailed provisions on the deal such as collateral involved, the rate of interest, the schedule for interest payments, and the timeframe to maturity if applicable.
As per RBI’s extant Basel III guidelines, if a bank holds a debt instrument directly, it would have to allocate lower capital as compared to holding the same debt instrument through a mutual fund (MF)/exchange traded fund (ETF).
RBI recently permitted banks to invest in debt instruments through mutual funds (MFs) or exchange traded funds without allocating additional charges.
This is to expand the bond market.
This will result in substantial capital savings for banks and is expected to give a boost to the corporate bond market.
Study planner is an invaluable tool for students, enabling them to assess
their strengths and weaknesses through tests. It calculates the optimal daily study time
required to cover the syllabus. This personalized approach enhances productivity and fosters
effective time management, ultimately boosting academic performance.
PERSONALISED TEST
A personalized test allows students to select their preferred topic and
subtopic from the curriculum. It generates a tailored examination by randomly selecting
questions related to their choices. This approach promotes engagement, reinforces specific
learning objectives, and fosters a deeper understanding of the material through active
participation in the assessment process.
PREDECTIVE ANALYTICS
The analytics system tracks the time spent and records correct answers for
all questions attempted. It compiles this data into analyses, offering students valuable
insights into their preparation, identifying strengths and weaknesses, and helping them
optimize their study strategies for improved performance.