CRR and SLR Requirement or Shortfall Calculations

CRR and SLR Requirement or Shortfall Calculations - Article

CRR and SLR numericals test whether a bank has maintained the statutory reserves required against its **Net Demand and Time Liabilities (NDTL)**. This article explains current CRR and SLR rates, requirement and shortfall calculations, daily and fortnightly CRR logic, SLR surplus/deficit, changes caused by NDTL movements, and reserve-shortfall penal interest. It provides a structured approach for CAIIB BFM numerical questions without worked solutions.