Interbank Rate kya hota hai?
Interbank Rate
Definition
Interbank rate wo rate hai jis par banks ek dusre ko dollars bechte hain aur large transactions ke liye istemal hota hai.
Is concept ko aur behtar samajhne ke liye Policy Rate bhi dekhein.
Interbank rate wo benchmark exchange rate hai jo banks ke darmiyan currency transactions mein istemal hota hai.
Quick Facts
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- Interbank rate se open market rate set hota hai aur import/export rates...
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Quick Summary
| Definition | Interbank rate wo rate hai jis par banks ek dusre ko dollars bechte hain aur large transactions ke liye istemal hota hai. |
|---|---|
| How it helps | Interbank rate se open market rate set hota hai aur import/export rates decide hote hain. |
| Example | Agar interbank rate 285 hai, toh banks ek dusre ko dollar 285 ke rate par bechein ge. |
| Related terms | 6 linked topics |
How It Works
Yeh kya hai?
Interbank rate wo exchange rate hai jis par banks ek dusre ko currencies bechte hain. Ye wholesale rate hai, retail nahi. Banks large transactions (import/export, government payments) ke liye is rate par deal karte hain. Ye rate supply aur demand ke hisaab se din mein badalta rehta hai aur SBP is par nazar rakhti hai.
Rozmarra Asar
Aam aadmi interbank rate par dollars nahi le sakta, lekin iska asar open market rate par hota hai. Jab interbank rate barhta hai, toh open market rate bhi barhta hai. Is se import mehnga hota hai, petrol mehnga hota hai, aur mehangai barhti hai. Remittance bhejne walon ko zyada rupees milte hain.
Interbank vs Open Market
Interbank rate aur open market rate mein farq hota hai. Interbank rate banks ke darmiyan large transactions ke liye hai. Open market rate currency dealers par aam logon ke liye hai. Aam tor par open market rate interbank se zyada hota hai. Jab economy stable hoti hai, dono mein farq kam hota hai. Jab pressure hota hai, farq barhta hai.
Misal
Agar interbank rate 285 hai, toh banks ek dusre ko dollar 285 ke rate par bechein ge.
Aksar pooche gaye sawalat
Interbank rate kya hota hai?
Interbank rate woh exchange rate hota hai jis par banks ek dusre ke sath currency trade karte hain.
Interbank rate aur open market rate mein farq kya hai?
Interbank rate wholesale transactions ke liye hota hai, jabke open market rate retail level par exchange companies offer karti hain.
Interbank rate kon use karta hai?
Banks, importers, exporters aur large institutional transactions interbank rate par base hotay hain.
Interbank rate kyon badalta rehta hai?
Forex market ki demand aur supply ke mutabiq interbank rate move karta hai.
Interbank rate ka aam logon par kya asar hota hai?
Interbank rate barhne se open market rate bhi barhta hai, jis se imports mehngay aur remittances par rupee value change hoti hai.
Difference
Interbank Rate vs Policy Rate
| Feature | Interbank Rate | Policy Rate |
|---|---|---|
| Definition | Interbank rate wo rate hai jis par banks ek dusre ko dollars bechte hain aur large transactions ke liye istema... | Policy rate wo interest rate hai jo State Bank of Pakistan (SBP) banks ko qarz deti hai, aur ye economy mein t... |
| Best for | Interbank rate se open market rate set hota hai aur import/export rates decide hote hain. | Policy rate barhta hai toh loans mehngay, savings par zyada profit, aur mehangai control h... |
| Example | Agar interbank rate 285 hai, toh banks ek dusre ko dollar 285 ke rate par bechein ge. | Agar SBP ka policy rate 22% hai, toh banks ka KIBOR aur loan rates iske aas paas honge. |
Related Tool
Is term ko practical use mein dekhne ke liye sab se relevant tool se start karein.
Related Banking Terms
Yeh page banking cluster ka hissa hai. Semantic context mazboot rakhne ke liye in linked terms ko bhi dekhein.
Policy Rate
Policy rate wo interest rate hai jo State Bank of Pakistan (SBP) banks ko qarz deti hai, aur ye economy mein tamam interest rates ka benchmark hota hai.
Profit Rate
Profit rate wo percentage hai jo bank ya investment aapko aapke paison par deta hai, jaise savings account ya fixed deposit par.
Savings Account
Savings account bank mein aik qisam ka account hai jismein aap paise jama karte hain aur bank aapko us par profit (ya interest) deta hai.
Current Account
Current account bank mein aik qisam ka account hai jismein aap kabhi bhi paise jama ya nikaal sakte hain, lekin is par koi munafa nahi milta.
Fixed Deposit
Fixed deposit bank mein ek qisam ka account hai jismein aap ek muqarrara arsey ke liye paise jama kar dete hain aur us par fixed profit rate milta hai.
PLS Account
PLS (Profit and Loss Sharing) account wo bank account hai jismein aapko market-based profit milta hai aur ismein riba (sood) nahi hota.