{"id":225978,"date":"2025-09-26T11:02:55","date_gmt":"2025-09-26T05:32:55","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=225978"},"modified":"2025-09-26T11:03:00","modified_gmt":"2025-09-26T05:33:00","slug":"statutory-liquidity-ratio","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/","title":{"rendered":"Statutory Liquidity Ratio (SLR) Meaning, Formula, &#038; Importance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#What_is_Statutory_Liquidity_Ratio_SLR\" >What is Statutory Liquidity Ratio (SLR)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Why_is_SLR_Important_for_Bank_Exam_Aspirants\" >Why is SLR Important for Bank Exam Aspirants?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#SLR_Formula\" >SLR Formula<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Functions_of_Statutory_Liquidity_Ratio_SLR\" >Functions of Statutory Liquidity Ratio (SLR)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Advantages_of_SLR\" >Advantages of SLR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Effects_of_SLR_on_Banks_Borrowers_and_the_Economy\" >Effects of SLR on Banks, Borrowers, and the Economy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Difference_Between_SLR_and_CRR\" >Difference Between SLR and CRR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Current_SLR_Rate_in_India\" >Current SLR Rate in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#Important_Questions_on_SLR_for_Banking_Exams\" >Important Questions on SLR for Banking Exams<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>In the Indian banking system, the Reserve Bank of India (RBI) uses several tools to regulate the flow of money, control inflation, and ensure financial stability. Among these, the Statutory Liquidity Ratio (SLR) is one of the most important instruments. It not only controls how much money banks can lend but also ensures that they maintain financial discipline. For banking exam aspirants preparing for <strong><a href=\"https:\/\/www.oliveboard.in\/sbi-po\/\" target=\"_blank\" rel=\"noreferrer noopener\">SBI PO<\/a><\/strong>, NABARD, <strong><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/\" target=\"_blank\" rel=\"noreferrer noopener\">RBI Grade B<\/a><\/strong>, IBPS, or <strong><a href=\"https:\/\/www.oliveboard.in\/lic-aao\/\" target=\"_blank\" rel=\"noreferrer noopener\">LIC AAO<\/a><\/strong> Exams, understanding SLR is crucial, as questions on monetary policy tools frequently appear in both prelims and mains.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Statutory_Liquidity_Ratio_SLR\"><\/span>What is Statutory Liquidity Ratio (SLR)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Statutory Liquidity Ratio (SLR) is the minimum percentage of a commercial bank\u2019s Net Demand and Time Liabilities (NDTL) that must be kept in the form of liquid assets such as cash, gold, or approved government securities before providing loans.<\/p>\n\n\n\n<p>This requirement is mandated by the Reserve Bank of India (RBI) under the Banking Regulation Act, 1949. In simple words, SLR is the portion of deposits that banks cannot use freely for lending because it has to be invested in safe and secure assets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_SLR_Important_for_Bank_Exam_Aspirants\"><\/span>Why is SLR Important for Bank Exam Aspirants?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For competitive exams like SBI PO, RBI Grade B, <strong><a href=\"https:\/\/www.oliveboard.in\/ibps-po\/\" target=\"_blank\" rel=\"noreferrer noopener\">IBPS PO<\/a><\/strong>, NABARD, and LIC AAO, knowledge of monetary policy tools such as SLR and CRR is essential. Questions are often framed around such important <strong><a href=\"https:\/\/www.oliveboard.in\/blog\/important-banking-abbreviations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banking Awareness Terms<\/a><\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The definition and formula of SLR<\/li><li>The difference between CRR and SLR<\/li><li>The impact of SLR changes on inflation, lending, and growth<\/li><li>The current rate of SLR as fixed by RBI<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SLR_Formula\"><\/span>SLR Formula<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before lending money, banks must calculate the portion of deposits that should be kept aside as SLR. The formula is: <\/p>\n\n\n\n<p><strong>SLR <\/strong>= (Liquid Assets \/ Net Demand and Time Liabilities) x 100<\/p>\n\n\n\n<p>Here:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Liquid assets are cash,<\/strong> gold, and RBI-approved government securities<\/li><li><strong>NDTL<\/strong> are Net Demand and Time Liabilities (savings deposits + current deposits + fixed deposits, etc.)<\/li><\/ul>\n\n\n\n<p><strong>Example<\/strong>: If a bank\u2019s NDTL is \u20b91000 crore and SLR is 18%, the bank must maintain \u20b9180 crore in the form of cash, gold, or approved securities.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/test-series\/\" target=\"_blank\" rel=\"noreferrer noopener\">Planning to prepare for bank exams? take a free mock test now to test exam level<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Functions_of_Statutory_Liquidity_Ratio_SLR\"><\/span>Functions of Statutory Liquidity Ratio (SLR)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SLR plays a crucial role in regulating the Indian financial system. Its major functions include:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Credit Regulation<\/strong> \u2013 Controls the flow of credit by increasing or decreasing banks\u2019 lending power.<\/li><li><strong>Inflation Control<\/strong> \u2013 Helps RBI curb inflation by restricting lending when SLR is raised.<\/li><li><strong>Financial Stability<\/strong> \u2013 Ensures banks maintain a strong financial base by holding liquid assets.<\/li><li><strong>Government Funding<\/strong> \u2013 Provides regular funding to the government as banks invest in securities.<\/li><li><strong>Monetary Policy Support<\/strong> \u2013 Assists RBI in implementing monetary policies effectively.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages_of_SLR\"><\/span>Advantages of SLR<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SLR is not just a regulatory requirement; it also benefits banks, the government, and the economy. Some of its key advantages are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Ensures Liquidity<\/strong> \u2013 Keeps banks liquid and ready to meet customer demands.<\/li><li><strong>Builds Depositor Trust<\/strong> \u2013 Strengthens customer confidence by ensuring a portion of deposits is safely invested.<\/li><li><strong>Supports Government Projects<\/strong> \u2013 Helps government raise funds through securities.<\/li><li><strong>Reduces Risks<\/strong> \u2013 Prevents banks from reckless lending.<\/li><li><strong>Strengthens Monetary Policy<\/strong> \u2013 Acts as a buffer against inflation and deflation.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/blog\/casa-ratio\/\" target=\"_blank\" rel=\"noreferrer noopener\">CASA Ratio in Banking, Meaning, Formula &amp; Importance<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Effects_of_SLR_on_Banks_Borrowers_and_the_Economy\"><\/span>Effects of SLR on Banks, Borrowers, and the Economy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The impact of SLR depends on whether RBI increases or decreases the ratio. Banks, depositors, and the economy are affected in the following ways:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><strong>Aspect<\/strong><\/strong><\/td><td><strong><strong>When SLR is Increased<\/strong><\/strong><\/td><td><strong><strong>When SLR is Decreased<\/strong><\/strong><\/td><\/tr><tr><td><strong>Bank Lending<\/strong><\/td><td>Lending power decreases<\/td><td>Lending power increases<\/td><\/tr><tr><td><strong>Interest Rates<\/strong><\/td><td>Loan rates rise due to liquidity crunch<\/td><td>Loan rates may fall due to surplus funds<\/td><\/tr><tr><td><strong>Inflation<\/strong><\/td><td>Controls inflation by reducing money supply<\/td><td>May increase inflation if credit grows too fast<\/td><\/tr><tr><td><strong>Economic Growth<\/strong><\/td><td>Growth slows due to limited credit<\/td><td>Growth accelerates due to higher lending<\/td><\/tr><tr><td><strong>Government Funding<\/strong><\/td><td>Banks invest more in securities<\/td><td>Banks have more flexibility to lend<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/blog\/cibil-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">CIBIL Score, Meaning, Formula to Calculate, and Related Questions<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difference_Between_SLR_and_CRR\"><\/span>Difference Between SLR and CRR<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Both SLR and <strong><a href=\"https:\/\/www.oliveboard.in\/blog\/cash-reserve-ratio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cash Reserve Ratio (CRR)<\/a><\/strong> are important monetary policy tools, but they differ in nature and purpose.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><strong>Feature<\/strong><\/strong><\/td><td><strong><strong>SLR<\/strong><\/strong><\/td><td><strong><strong>CRR<\/strong><\/strong><\/td><\/tr><tr><td><strong>Form of Reserve<\/strong><\/td><td>Cash, gold, approved securities<\/td><td>Only cash with RBI<\/td><\/tr><tr><td><strong>Returns<\/strong><\/td><td>Earns interest on securities<\/td><td>No interest paid<\/td><\/tr><tr><td><strong>Impact on Liquidity<\/strong><\/td><td>Indirect impact<\/td><td>Direct impact<\/td><\/tr><tr><td><strong>Purpose<\/strong><\/td><td>Credit regulation + govt. borrowing support<\/td><td>Liquidity &amp; inflation control<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Current_SLR_Rate_in_India\"><\/span>Current SLR Rate in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>As per the latest RBI guidelines, the minimum SLR prescribed is 18% of NDTL.<\/strong> RBI reviews the rate periodically during its Monetary Policy Committee (MPC) meetings.<\/p>\n\n\n\n<p><strong>Exam Tip:<\/strong> Remember that SLR cannot be lower than <strong>18%<\/strong> as per RBI rules.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/blog\/repo-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\">Repo Rate Meaning, Formula, How It Works and Current Repo Rate<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Questions_on_SLR_for_Banking_Exams\"><\/span>Important Questions on SLR for Banking Exams<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li>What is the full form of SLR in banking?<\/li><li>Under which act is SLR governed in India?<\/li><li>What is the formula to calculate SLR?<\/li><li>What is included in liquid assets for SLR?<\/li><li>What is the minimum SLR prescribed by RBI?<\/li><li>Does SLR earn returns for banks?<\/li><li>What is the difference between CRR and SLR?<\/li><li>How does an increase in SLR affect inflation?<\/li><li>How does a decrease in SLR affect bank lending?<\/li><li>What was the highest ever SLR in India\u2019s history?<\/li><li>Which authority decides the SLR rate in India?<\/li><li>Why is SLR important for depositors?<\/li><li>Can SLR be maintained in gold?<\/li><li>How does SLR support government borrowing?<\/li><li>Why is SLR important for banking exams like SBI PO, RBI Grade B, and LIC AAO?<\/li><\/ol>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/courses\/\" target=\"_blank\" rel=\"noreferrer noopener\">Looking for expert guidance to prepare for bank exams? click here<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1756210114619\"><strong class=\"schema-faq-question\"><strong>Q1. What is SLR in banking?<\/strong><\/strong> <p class=\"schema-faq-answer\">SLR is the minimum percentage of NDTL that banks must keep in liquid assets like cash, gold, or approved securities before offering loans.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756210138291\"><strong class=\"schema-faq-question\"><strong>Q2. How is SLR different from CRR?<\/strong><\/strong> <p class=\"schema-faq-answer\">CRR is kept in cash with RBI and earns no returns, whereas SLR can be held in securities, gold, or cash and earns interest.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756210157912\"><strong class=\"schema-faq-question\"><strong>Q3. Why does RBI change the SLR rate?<\/strong><\/strong> <p class=\"schema-faq-answer\">RBI changes SLR to control inflation, regulate lending capacity, and ensure financial stability.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756210173970\"><strong class=\"schema-faq-question\"><strong>Q4. What is the current SLR rate in India?<\/strong><\/strong> <p class=\"schema-faq-answer\">The current minimum SLR rate is <strong>18%<\/strong> of NDTL.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756210190484\"><strong class=\"schema-faq-question\"><strong>Q5. How does SLR affect inflation?<\/strong><\/strong> <p class=\"schema-faq-answer\">A high SLR reduces lending and controls inflation, while a low SLR increases lending but may cause inflation.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/03\/UP-Cooperative-Bank-Notification.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"UP Cooperative Bank Recruitment\" style=\"\" \/><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/up-cooperative-bank-notification\/\">UP Cooperative Bank Recruitment 2026, Application Ends Soon<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/05\/RBI-Assistant-Prelims-Exam-Analysis-2026.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"RBI Assistant Prelims Exam Analysis 2026\" style=\"\" \/><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-assistant-exam-analysis\/\">RBI Assistant Prelims Exam Analysis 2026, 11th and 13th April Review<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/10\/Quant-Practice-Questions-for-Bank-Exams.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/quant-practice-questions-for-bank-exams\/\">Quant Practice Questions for Bank Exams, FREE PDF and Live Quiz<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/04\/IDBI-JAM-Exam-Analysis.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"IDBI JAM Exam Analysis 2026\" style=\"\" \/><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/idbi-jam-exam-analysis\/\">IDBI JAM Exam Analysis 2026, 12th April Shift 1 Exam Review<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/11\/NABARD-Development-Assistant-Exam-Analysis.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"NABARD Development Assistant Exam Analysis\" style=\"\" \/><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/nabard-development-assistant-exam-analysis\/\">NABARD DA Mains Exam Analysis 2026, 12th April Review<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/03\/UP-Cooperative-Bank-Salary.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/up-cooperative-bank-salary\/\">UP Cooperative Bank Salary 2026, Bank Wise Pay Scale<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>In the Indian banking system, the Reserve Bank of India (RBI) uses several tools to regulate the flow of money,<\/p>\n","protected":false},"author":60,"featured_media":229442,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,31],"tags":[17875,17874],"class_list":["post-225978","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-bank-exams","tag-statutory-liquidity-ratio-slr","tag-statutory-liquidity-ratio","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Statutory Liquidity Ratio (SLR) Meaning, Formula, &amp; Importance<\/title>\n<meta name=\"description\" content=\"Statutory Liquidity Ratio (SLR): Meaning, formula, functions, &amp; importance. 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What is SLR in banking?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"SLR is the minimum percentage of NDTL that banks must keep in liquid assets like cash, gold, or approved securities before offering loans.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210138291","position":2,"url":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210138291","name":"Q2. How is SLR different from CRR?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"CRR is kept in cash with RBI and earns no returns, whereas SLR can be held in securities, gold, or cash and earns interest.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210157912","position":3,"url":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210157912","name":"Q3. Why does RBI change the SLR rate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"RBI changes SLR to control inflation, regulate lending capacity, and ensure financial stability.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210173970","position":4,"url":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210173970","name":"Q4. What is the current SLR rate in India?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The current minimum SLR rate is <strong>18%<\/strong> of NDTL.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210190484","position":5,"url":"https:\/\/www.oliveboard.in\/blog\/statutory-liquidity-ratio\/#faq-question-1756210190484","name":"Q5. How does SLR affect inflation?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A high SLR reduces lending and controls inflation, while a low SLR increases lending but may cause inflation.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts\/225978","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/comments?post=225978"}],"version-history":[{"count":3,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts\/225978\/revisions"}],"predecessor-version":[{"id":226276,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/posts\/225978\/revisions\/226276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/media\/229442"}],"wp:attachment":[{"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/media?parent=225978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/categories?post=225978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.oliveboard.in\/blog\/wp-json\/wp\/v2\/tags?post=225978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}