The essence of economic value is human labor in the process of human economic products and relations. The value of the use value of creating products and the labor value of creating production relationship. The value concept in "das kapital" refers to exchange value, which is the essence of capital relations. Can't be replaced by local value Bank holidays in India is announced by RBI (reserve bank of India). Bank holidays are often public holidays once the banks tend not to operate. In India these bank holidays in canada are decided through the negotiable instruments act of the banks. Bank holidays aren't just year wise but in addition scheduled around the bases of months. These acts provide holidays to everyone the seven territories and twenty eight states. Then the interest rate theory of the loan is the interest rate theory of neoclassical school, which is proposed to correct Keynes's theory of "liquidity preference". In some ways, the theory of interest rate can be regarded as a synthesis of classical interest rate theory and Keynesian theory.