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 Ref cursor is called dynamic cursor and it is a datatype and it is used to you can open the multiple select statement at run time and it is dynamic change the query Ref cursor is used to write more then one select statement in cursor. Ref cursor is 'pointer' datatype that allow you to quickly reference cursor result , using ref cursor we use the re-usability of cursor ,ref cursor is variable defined as a cursor type , which will point to, or reference a cursor result , ref cursor can be assigned to other ref cursor variable  Ref cursor is one data type and can be defined into one variable,this variable can be called as ref_cursor variable. We can use this variable for different SQL statements at run time. For more details you can visit this site mentioned in image