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Articles Category : Banking
Risks of leaving your bank account dormant
Posted Date : 19-Oct-2021 , 04:47:03 pm | Posted By Mahesh Bansal

Are you also in habit of leaving your bank accounts unattended for long? Then, it's time to be alert. You may be deprived of entire money in your accounts by fraudsters. Howsoever rich you may be, but you won't want your single rupee to be taken away by fraud. In a latest development, Delhi Po...

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Category : Banking | Comments : 0 | Hits : 2663

Drawing power vs. Security in CC limit- open the knot
Posted Date : 30-Aug-2020 , 11:13:09 am | Posted By Mahesh Bansal

Today I am covering a very important provision in bank credit (working capital limit) which almost 100% of the people (even CAs and senior bankers) treat wrongly.   Generally banks will compute drawing power (DP) in a cash credit/overdraft account by taking into consideration book debts outstan...

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Category : Banking | Comments : 0 | Hits : 1178

RBI Guidelines- Opening of Current Accounts of Borrowers by Banks
Posted Date : 22-Aug-2020 , 01:09:43 pm | Posted By Mahesh Bansal

Fund diversion has always been a major problem in our banking system. It has been observed in all major cases of wilful default or fraud that the funds borrowed from banks have been diverted elsewhere and the banks had no control on utilization of funds. This situation is caused due to the fact that...

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Category : Banking | Comments : 0 | Hits : 1085

Framework for resolution of stressed loans on account of Covid-19
Posted Date : 08-Aug-2020 , 05:10:35 pm | Posted By Mahesh Bansal

The RBI has, vide notification dated 06.08.2020, issued a new framework for resolution of stressed loans caused by Covid-19. I am discussing the relevant portion of this notification in my own words in simple and clear language in three parts.   Part-I (General overview of the framework) &nb...

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Category : Banking | Comments : 0 | Hits : 748

Revised Guidelines on Classification of MSMEs and Registration under Udyam
Posted Date : 27-Jun-2020 , 08:49:51 pm | Posted By Mahesh Bansal

The Central Govt. has notified revised method of classification of micro, small and medium enterprises w.e.f. 1st July 2020. Those who could not find time to read entire notification or could not get any point clearly, may go through the following gist with examples for simple but clear understandin...

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Category : Banking | Comments : 0 | Hits : 1278

Identification of NPA in Bank Audit
Posted Date : 11-Apr-2020 , 09:20:26 pm | Posted By Manoj Gupta

                                           Identification of NPA in Bank Audit                   &n...

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Category : Banking | Comments : 0 | Hits : 3256

MMCB vs PMC Bank
Posted Date : 10-Oct-2019 , 12:39:16 pm | Posted By RATHI

A COMPARISON OF TWO CO-OP. BANK FAILURES – MADHAVPURA BANK & PMC BANK   Since 23rd Sept, 2019, there is lot of stress in the Co-op. Banking Sector in the Indian Economy. On 24th September, the Reserve Bank of India, keeping aside the normal procedure of issuing a notice for irregulari...

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Category : Banking | Comments : 1 | Hits : 10285

PRUDENTIAL NORMS FOR AGRICULTURE ADVANCES
Posted Date : 16-Mar-2019 , 03:18:37 pm | Posted By CA. PIYUSH KAPOOR

Before understanding the Norms for Agriculture Advance first should know about the Which type of Loans cover under Agriculture Advances:     Types of Agricultural Loans in India One can avail a loan for the following activities related to agriculture: Running day to day operations Bu...

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Category : Banking | Comments : 0 | Hits : 12027

RBI Guidelines for restructuring of MSME accounts
Posted Date : 02-Jan-2019 , 02:48:04 pm | Posted By Mahesh Bansal

In continuation of the series of big reliefs granted to MSME borrowers earlier vide notifications dated 7th Feb and 6th June 2018, yesterday RBI has granted a much awaited relief to this category of borrowers by permitting banks to restructure 'standard' loans of this category without downgrading th...

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Category : Banking | Comments : 0 | Hits : 469

Ponzi Scam at PNB Unfolded
Posted Date : 17-Feb-2018 , 02:09:05 pm | Posted By Ashish Gupta

How The 11,400 cr. Import Ponzi Scam at PNB Unfolded 16 February, 2018 There’s a huge “fraud” at Punjab National Bank, which involves a lot of lies by a lot of people. Here’s where we come in to explain what we think happened. But first, a few important notes: There&rsquo...

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Category : Banking | Comments : 0 | Hits : 2012

Relaxation in IRAC norms for MSME borrowers
Posted Date : 08-Feb-2018 , 10:13:36 pm | Posted By Mahesh Bansal

RBI as well as the government has acknowledged the difficulties faced by small entities during the transition phase to GST. It is a matter of pleasure for us that these authorities are also making all necessary efforts not to put entities in unduly disadvantageous situation. RBI has, vide a circu...

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Category : Banking | Comments : 0 | Hits : 1863

Comparitive Analysis of PSU Banks for FY 2016-2017 from the point of PCA Framework
Posted Date : 26-Aug-2017 , 12:54:53 pm | Posted By RATHI

  Comparitive Analysis of PSU Banks for FY 2016-2017 from the point of PCA Framework                                  ...

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Category : Banking | Comments : 0 | Hits : 619

Gist of Pradhan Mantri Awas Yojana (Urban)
Posted Date : 13-Jul-2017 , 05:04:30 pm | Posted By Mahesh Bansal

The Pradhan Mantri Awas Yojna scheme of Central Government was relaunched after the Prime Minister's address to the nation on 31st Dec. 2016. Under this scheme credit linked subsidy is granted to urban households to enable them purchase or construct a residential dwelling unit for themselves. T...

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Category : Banking | Comments : 0 | Hits : 813

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 : 893

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 : 1140

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 : 4577

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), Ind...

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Category : Banking | Comments : 0 | Hits : 1299

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 two terms differ as foll...

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Category : Banking | Comments : 1 | Hits : 2642

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 : 1367

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 : 1458

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