<Tr> <Th> Bank rate </Th> <Td> 6.75% </Td> </Tr> <Tr> <Th> Interest on reserves </Th> <Td> 4.00% (market determined) </Td> </Tr> <Tr> <Th> Website </Th> <Td> Official website </Td> </Tr> <Table> <Tr> <Th> Public finance </Th> </Tr> <Tr> <Td> </Td> </Tr> <Tr> <Td> Policies (show) <Ul> <Li> Agricultural </Li> <Li> Economic </Li> <Li> Energy </Li> <Li> Industrial </Li> <Li> Investment </Li> <Li> Social </Li> <Li> Trade </Li> <Li> Fiscal </Li> <Li> Monetary </Li> <Li> Policy mix </Li> </Ul> </Td> </Tr> <Tr> <Td> Fiscal policy (show) <Ul> <Li> Budget <Ul> <Li> policy </Li> </Ul> </Li> <Li> Debt <Ul> <Li> external </Li> <Li> internal </Li> </Ul> </Li> <Li> Deficit / surplus </Li> <Li> Finance ministry </Li> <Li> Fiscal union </Li> <Li> Revenue </Li> <Li> Spending <Ul> <Li> deficit </Li> </Ul> </Li> <Li> Tax </Li> </Ul> </Td> </Tr> <Tr> <Td> Monetary policy (show) <Ul> <Li> Bank reserves <Ul> <Li> requirements </Li> </Ul> </Li> <Li> Discount window </Li> <Li> Gold reserves </Li> <Li> Interest rate </Li> <Li> Monetary authority <Ul> <Li> central bank </Li> <Li> currency board </Li> </Ul> </Li> <Li> Monetary base </Li> <Li> Monetary (currency) union </Li> <Li> Money supply </Li> </Ul> </Td> </Tr> <Tr> <Td> Trade policy (show) <Ul> <Li> Balance of trade </Li> <Li> Free trade </Li> <Li> Gains from trade </Li> <Li> Non-tariff barrier </Li> <Li> Protectionism </Li> <Li> Tariff </Li> <Li> Trade bloc </Li> <Li> Trade creation </Li> <Li> Trade diversion </Li> <Li> Trade / commerce ministry </Li> </Ul> </Td> </Tr> <Tr> <Td> <Ul> <Li> Revenue </Li> <Li> Spending </Li> </Ul> (show) <Ul> <Li> Non-tax revenue </Li> <Li> Tax revenue </Li> <Li> Discretionary spending </Li> <Li> Mandatory spending </Li> </Ul> </Td> </Tr> <Tr> <Td> Optimum (show) <Ul> <Li> Balanced budget </Li> <Li> Economic growth </Li> <Li> Price stability </Li> </Ul> </Td> </Tr> <Tr> <Td> Reform (show) <Ul> <Li> Fiscal adjustment </Li> <Li> Monetary reform </Li> </Ul> </Td> </Tr> <Tr> <Td> <Ul> <Li> </Li> <Li> </Li> <Li> </Li> </Ul> </Td> </Tr> </Table>

The basic problem of most of the commercial bank in india is related to