1. Monetary Policy Operating Framework: Under the amended RBI Act, 1934, the 6-member Monetary Policy Committee (MPC) targets headline CPI-Combined inflation at 4% (+/- 2%). The LAF corridor operates with the Policy Repo Rate as the benchmark, bounded below by the Standing Deposit Facility (SDF) (Repo - 25 bps, uncollateralized liquidity absorption) and bounded above by the Marginal Standing Facility (MSF) (Repo + 25 bps, overnight emergency borrowing via SLR dip). CRR stands at 4.50% and SLR at 18.00%.

2. Priority Sector Lending (PSL) Mandates:
• Total PSL Target: 40% of ANBC for Domestic Scheduled Commercial Banks and Foreign Banks with 20+ branches (75% for RRBs and Small Finance Banks).
• Agriculture: 18% of ANBC, with a mandatory sub-target of 10% earmarked for Small and Marginal Farmers (SMFs).
• Micro Enterprises: 7.5% of ANBC.
• Weaker Sections: 12% of ANBC.

3. Asset Quality & Prompt Corrective Action (PCA):
• SMA Classification: SMA-0 (1–30 days overdue), SMA-1 (31–60 days), SMA-2 (61–90 days). An asset becomes an NPA once overdue exceeds 90 days.
• PCA Trigger Thresholds: Evaluated on Capital (CRAR & CET-1), Asset Quality (Net NPA ratio ≥ 6.0%), and Leverage. Triggers mandatory restrictions on dividend payouts, profit distribution, and branch network expansion.

4. Descriptive Writing Masterclass: Includes full model scripts for Formal Complaint to Branch Manager regarding unauthorized UPI debit under RBI Zero-Liability framework, and 250-word model essay on "Digital Public Infrastructure (DPI) & Cross-Border Remittances".