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Demand deposits with commercial banks money banking correct; RBI controls money supply, fiat money legal tender.
Ref: NCERT Economics Class XII Chapter 3 Money and Banking explains money functions RBI commercial banks money supply monetary policy clearly.
Time deposit correct per microeconomics basics; central problems scarcity choice opportunity cost.
Ref: NCERT Economics Class XI Chapter 1 Introduction to Microeconomics explains central problems scarcity choice PPC opportunity cost concepts clearly.
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