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Articles Category : Banking
Elements of Restructuring of Loans
Posted Date : 24-Oct-2016 , 02:34:46 pm | Posted By Mahesh Bansal

Debt restructuring is a method used by companies with outstanding debt obligations to alter the terms of the debt agreements in order to achieve some advantages. Sometimes, there may arise circumstances when a borrower may not be able to honour its debt obligations towards the lender. Such debt ob...

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Category : Banking | Comments : 0 | Hits : 316

An Insight of Corporate Banking - Working Capital Finance
Posted Date : 03-Oct-2016 , 01:11:01 am | Posted By Kapil Khandelwal

An Insight of Corporate Banking – Working Capital Finance   In my first article i introduced and explained the term corporate banking and how it differ from retail as well as investment banking, I also gave the glimpse of some of the corporate banking products/services; here in t...

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Category : Banking | Comments : 0 | Hits : 548

Bank Concurrent Audit - All you need to know about
Posted Date : 22-Sep-2016 , 12:21:38 pm | Posted By Kapil Khandelwal

BANK CONCURRENT AUDIT – ALL YOU NEED TO KNOW ABOUT   Concurrent audit is an examination which is contemporaneous with the occurrence of transactions or is carried out as near thereto as possible. It attempts to shorten the interval between a transaction and its examination by an indepen...

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Category : Banking | Comments : 0 | Hits : 2119

An Insight of Corporate Banking - The Begining
Posted Date : 19-Sep-2016 , 12:27:02 am | Posted By Kapil Khandelwal

When it comes to Banking, yes off course one of the India's growing industry consists of 26 public sector banks, 25 private sector banks, 43 foreign banks, 56 regional rural banks, 1,589 urban cooperative banks and 93,550 rural cooperative banks, As per the Reserve Bank of India (RBI),...

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Category : Banking | Comments : 0 | Hits : 976

Differences between Overdraft and Cash Credit
Posted Date : 20-Aug-2016 , 12:10:09 pm | Posted By Mahesh Bansal

Most of us don't see any difference between a Cash Credit(CC) and an Overdraft(OD). Even most of the bankers interchange the two terms. Most of the banks call the working capital limit as 'CC' while some banks term it as 'OD' However, if going by the strict definitions, the tw...

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Category : Banking | Comments : 1 | Hits : 748

Brief description of 'Mudra Loan Scheme'
Posted Date : 17-Aug-2016 , 06:04:10 pm | Posted By Mahesh Bansal

Dear Members,   Many of our friends frequently inquire about different aspects of Mudra Loans under Pradhan Mantri Mudra Yojna. Though they have already gone through the details of this scheme, a few aspects remain unclear due to lack of proper guidance. So, to facilitate them, I have compile...

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Category : Banking | Comments : 0 | Hits : 671

Differences between a 'Home loan' and a 'Loan against property'
Posted Date : 21-Jul-2016 , 02:40:14 pm | Posted By Mahesh Bansal

I have observed that many people can not differentiate correctly between a 'home loan' and a 'loan against property'. Many people call me to inquire about a 'home loan' against security of a property already owned by them. It is not a 'home loan'. Instead, it is a ...

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Category : Banking | Comments : 1 | Hits : 1056

Bad Loan Asset Bank
Posted Date : 29-Apr-2016 , 04:11:26 pm | Posted By CP JAIN

Currently hottest topic in Banking industry is NPA.  Lot of discussions are going on about why this happened, How this happened and What should be further course of Action. One thing is crystal clear that the Banking sector in India is passing thru a very crucial phase and need to do a lot to...

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Category : Banking | Comments : 0 | Hits : 625

What would be reason for Huge Losses of PSB with some facts
Posted Date : 03-Mar-2016 , 12:35:45 pm | Posted By Darshan Jain

SOME IMPORTANT FACTS – CONCEPTS – AUDIT PROCEDURE IN BANKING Executive Summary: - Banking sector is the backbone of the economy. But now a days it is a major weak sector. What would be the probable reason for the same, i wanted to highlight the same. Since the weakness is in whole secto...

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Category : Banking | Comments : 0 | Hits : 921

Negative Interest Rates
Posted Date : 03-Feb-2016 , 05:52:55 pm | Posted By RATHI

                                                               NEGATIVE INTEREST RATES What is Negative Interest Rates ? Recently Bank...

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Category : Banking | Comments : 1 | Hits : 1083

STRATEGIC DEBT RESTRUCTURING- AN INTRODUCTION
Posted Date : 05-Jan-2016 , 11:08:14 pm | Posted By Sumat Singhal

STRATEGIC DEBT RESTRUCTURING- AN INTRODUCTION Sumat Singhal  (B.Com, CAIIB, DTIRM,ACA,ACS,CWA(F) 1. PREAMBLE: The concept of Strategic Debt Restructuring ("SDR") has been introduced by the Reserve Bank of India (the "RBI") in the SDR Scheme (the "Scheme") to hel...

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Category : Banking | Comments : 0 | Hits : 576

Computation of Base Rate based on Marginal Cost of Funds
Posted Date : 05-Jan-2016 , 11:07:45 pm | Posted By Sumat Singhal

Computation of Base Rate based on Marginal Cost of Funds   Sumat Singhal  (B.Com, CAIIB, DTIRM,ACA,ACS,CWA(F)   The Reserve Bank vide its circular DBOD.No.Dir.BC88/13.03.0/2009-10 dated April 9, 2010 introduced the Base Rate system with effect from July 1, 2010, which replaced the ...

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Category : Banking | Comments : 0 | Hits : 551

Measures for Reduction in level of NPA in PSB
Posted Date : 16-Sep-2015 , 01:30:25 pm | Posted By Satish C. Badve

Measures for Reduction in level of NPA of PSB. Hon. Finance Minister has recently in news saying the present level of NPA in the PSB are not acceptable.   The PSB as well as the Finance Ministry is concerned about the increase in level of NPA in recent years. E...

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Category : Banking | Comments : 0 | Hits : 493

Difference between inactive and dormant savings bank accounts
Posted Date : 09-Jul-2015 , 07:31:49 am | Posted By Vimmi

Have you left behind a trail of unused savings bank accounts when you changed jobs? Many individuals don’t close bank accounts that they no longer need. Here is what happens if you don’t close your savings or current accounts and why you need to keep a track. INACTIVE AND DORMANT ACCO...

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Category : Banking | Comments : 0 | Hits : 1060

Important Details you should know about Asian Development Bank (ADB)
Posted Date : 01-Feb-2015 , 03:08:51 pm | Posted By Jatin Kumar

The World Bank had been trying to set up re development banks and some regional banks have been established for developing countries in Latin America, Africa and Asia. The Asian Development Bank popularly known as the ADB, was set up in 22nd August 1966.   It is a multinational regional devel...

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Category : Banking | Comments : 0 | Hits : 214

Pradhan Mantri Jan - Dhan Yojana : On Track or Derailed.
Posted Date : 20-Nov-2014 , 02:08:38 pm | Posted By MD TASLEEM AHMAD KARIMI

                                Pradhan Mantri Jan - Dhan Yojana : On Track or Derailed.     “Pradhan Mantri Jan - Dhan Yojana&...

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Category : Banking | Comments : 0 | Hits : 566

Classification of UCBs under FSWM Criteria
Posted Date : 29-Oct-2014 , 12:28:31 pm | Posted By RATHI

Classification of Urban Co-operative Banks (UCBs) as Financially Sound and Well Managed (FSWM) The RBI, vide its’ Circular UBD.CO.LS.(PCB).Cir.No.24/07.01.000/2013-14 dated October 1,fifa 15 ps3 coins 2013 had laid out the criteria for FSWM Banks.  Modifying its earlier instructions, v...

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Category : Banking | Comments : 0 | Hits : 678

A note on Diversion of Funds in Banking by Sharukh Sir (AKM - Banking & Finance Division)
Posted Date : 27-Oct-2014 , 12:46:14 pm | Posted By Pradeep Singh

Diversion of Funds: The early warning signals which help in detecting diversion of funds are indicated below:- 1. Poor credit turnover in the account. 2. Credit turnover is not commensurate with the sales estimate. 3. Routing of transactions through other Bank/ Non Member Banks. 4. Frequent reque...

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Category : Banking | Comments : 0 | Hits : 619

THE CHANGING FACE OF INDIAN BANKING
Posted Date : 15-Sep-2014 , 09:35:40 pm | Posted By RATHI

THE CHANGING FACE OF INDIAN BANKING The Changing Decade :- Indian banking is passing through a phase of rapid transition which was initiated with the reforms of the financial sector that was initiated by the Central Government since 1991 when India faced its worst Balance of Payments Crisis in its...

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Category : Banking | Comments : 1 | Hits : 405

Basel III Accord - Basel 3 Norms
Posted Date : 10-Jan-2014 , 06:27:56 pm | Posted By Dulichand Kushwaha

What is Basel iii or What is Basel 3 Accord or Meaning and Definition of Basel III Accord:-   Basel III or Basel 3 released in December, 2010  is the third in the series of Basel Accords.  These accords deal with risk management aspects for the banking sector.   In a n...

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Category : Banking | Comments : 0 | Hits : 365

Type of Banks & List of Banks in India
Posted Date : 03-Jan-2014 , 09:40:47 pm | Posted By Vimmi

    RBI (Reserve Bank of India)   The Reserve Bank of India was established on April 1, 1935 in accordance with the provisions of the Reserve Bank of India Act, 1934.The Central Office of the Reserve Bank was initially established in Calcutta but was permanently ...

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Category : Banking | Comments : 1 | Hits : 1363

Different types of Accounts in Banks
Posted Date : 27-Dec-2013 , 02:16:02 pm | Posted By Dulichand Kushwaha

Traditionally banks in India have four types of deposit accounts, namely Current Accounts, Saving Banking Accounts, Recurring Deposits and, Fixed Deposits.   However, in recent years, due to ever increasing competition, some banks have introduced new products, which combine the features of...

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Category : Banking | Comments : 0 | Hits : 362

History of Bank in Nepal
Posted Date : 17-Dec-2013 , 02:59:45 pm | Posted By Keshav Kumar KC

    COMMERCIAL BANKING IN NEPAL      HISTORY OF NEPALESE BANKING SYSTEM The initiation of formal banking system in Nepal commenced with the establishment in 1937 of Nepal Bank Limited (NBL), the first Nepalese commercial bank. The country's cent...

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Category : Banking | Comments : 1 | Hits : 235

How to stay safe with the new card payment system
Posted Date : 04-Dec-2013 , 03:59:38 pm | Posted By Ekta Ahuja

From December 1, 2013, for using your debit card at retail outlets, you need to use your existing ATM PIN. This is as per RBI mandate". You may have received a similar SMS from your bank last week. As the message states, you will have to punch in your personal identification number or PIN (t...

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Category : Banking | Comments : 0 | Hits : 508

New Prudential Provisioning Norms by RBI
Posted Date : 03-Jun-2013 , 07:02:00 pm | Posted By Sameer Kakar

Changes in the Prudential Norms, Provisioning by RBI   Background During the year 2012 RBI constituted a working group headed by Sh. B. Mahapatra to review the existing prudential guidelines on restructuring of advances by Banks/FI’s. The working group made certain recommen...

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Category : Banking | Comments : 0 | Hits : 873

FAQ on Banking Ombudsman & Their Address & Area of Operation
Posted Date : 13-Mar-2013 , 01:49:16 pm | Posted By Vinay Sharma

The Frequently Asked Questions on Banking Ombudsman Scheme, 2006 are as follows : A. INTRODUCTION: 1. What does the Banking Ombudsman Scheme, 2006 offer? The Banking Ombudsman Scheme, 2006 enables resolution of complaints of bank customers relating to certain services rendered by banks. 2. Has...

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Category : Banking | Comments : 0 | Hits : 1194

HOW TO TRANSFER FUNDS VIA NEFT & RTGS
Posted Date : 09-Feb-2013 , 08:47:46 pm | Posted By Mrattunjay

The two options NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement) offered by the RBI allow electronic transfer of funds from the remitter, who has an account in one bank, to the beneficiary, who has an account in any other bank/branch. The transfer...

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Category : Banking | Comments : 0 | Hits : 997

What is Cheque Truncation System
Posted Date : 02-Feb-2013 , 04:55:21 pm | Posted By Anjali Arora

Of late you must have noticed advertisements in newspapers put up by banks urging account holders to stop circulating non-CTS compliant cheques and replace their old cheque books with new CTS enabled ones.   Some banks also created awareness through var...

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Category : Banking | Comments : 3 | Hits : 4023

Amendments brought by The Enforcement of Security Interest and Recovery of Debts Laws (Amendment) Act, 2012
Posted Date : 23-Jan-2013 , 01:47:55 pm | Posted By Sameer Kakar

Amendments brought by The Enforcement of Security Interest and Recovery of Debts Laws (Amendment) Act, 2012 A commentary by CA Sameer Kakar, B.Com (Hons.), LLB, FCA   The Enforcement of Security Interest and Recovery of Debts Laws (Amendment) Bill, ...

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Category : Banking | Comments : 0 | Hits : 2607

DIFFERENCE BETWEEN RTGS AND NEFT
Posted Date : 13-Aug-2012 , 06:23:35 pm | Posted By SUMIT GERA

    NEFT and RTGS are the two convenient modes of money transfer between banks in India. # “RTGS” refers to Real Time Gross Settlement, it is  popular fund transfer mechanism which enables the transfer of money between two banks on a “real time” ...

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Category : Banking | Comments : 4 | Hits : 1387

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