KONKA VAISHNAVI , Dr G Sudhakar 02 7(1) AssetLiability Management ALM may be defined as a risk management strategy created to make a sufficient return while keeping a pleasant surplus of assets beyond liabilities It takes into account interest rates generating power and level of readiness to take on debt and therefore is also called surplus management The Society of Actuaries Task Force on ALM Principles Canada offers the next characterization of ALM Asset Liability Management may be the ongoing exercise of formulating implementing monitoring and revising techniques regarding assets and liabilities in an attempt to achieve monetary objectives for a specified selection of danger tolerances and constraints The need for evaluation is typically to focus on the growth as well as efficiency of estimation of development and effectiveness by using advantage and liability controlPlus to be able to understand the management of a nonperforming home To understand the financial placement of the Housing Development Finance Corporation Limited HDFC the matter of chance in addition to its prices is both manageable and transferable Financial service businesses in addition to managing their own personal risk undoubtedly sell financial risk management to others They provide their expertise by giving customers financial possibilities through the products they provide A financial firm can make a fixedrate mortgage to several borrowers with the risk of interest rate moves transferred from the borrower to the Financial advancements are centred on risk reduction more than any other matter With the possibility of managing threats near zero the job becomes how much risk might be removed Copyright (c) Journal of Science Engineering Technology and Management Science. All rights reserved 2026