GyanDesk

Credit & Lending

  • Protected: Others

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  • Protected: Q2 FY26 PERFORMANCE SUMMARY

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  • Agricultural Credit

    Agricultural credit refers to financial services—loans, savings, insurance, and remittances—provided to the agricultural sector. Since a large portion of India’s population depends…

  • Agricultural Finance

    Agricultural Finance is the provision of financial services—including credit, savings, and insurance—to support agricultural activities and the rural economy. Given that a…

  • Backup and Recovery Strategies

    Backup and Recovery Strategies – Competitive Exam Master Guide | GyanDesk Competitive Exam Master Guide — Cybersecurity Backup & Recovery StrategiesComplete Study…

  • Appraisal and assessment of credit facilities

    Credit Appraisal is the systematic process that a bank follows to evaluate a loan application and determine the creditworthiness of the borrower.…

  • Bank Overview and Key Information

    🏦 Quick Snapshot: Bank of Baroda Attribute Details Founded 1908 by Maharaja Sayajirao Gaekwad III Nationalized 1969 (along with 13 other banks)…

  • Banking Operations, Products and Guidelines 

    1. Credit and Risk Management 2. Products and Services 3. Specialised Banking Operations 4. Compliance and Legal Framework 6. Emerging Trends in…

  • Contracts of Indemnity, Guarantee, Bailment & Pledge

    Contracts of Indemnity, Guarantee, Bailment & Pledge A complete, exam-ready guide to these special contracts under the Indian Contract Act, 1872 —…

  • Protected: Credit

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  • Protected: Credit Monitoring

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  • Credit Rating and Credit Scoring

    Credit Rating is an assessment of the creditworthiness of a corporation or a government, while Credit Scoring is an assessment of the…

  • Credit Control and its Tools

    Credit Control refers to the various measures used by the RBI to regulate the amount of credit (loans and advances) that commercial…

  • Financial Inclusion in India

    🧠 What is Financial Inclusion? Definition Financial Inclusion means providing affordable financial services (like savings, credit, insurance, remittance, pension, digital payments) to…

  • Non-Performing Asset

    CHAPTER 1 – Definition, Overdue & What Is NPA? 1. What is a Non-Performing Asset (NPA)? A loan becomes NPA when it…

  • Protected: FinTech

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  • Self-Help Groups

    A Self-Help Group (SHG) is a small, informal group of 10-20 individuals from similar socio-economic backgrounds who come together to solve their…

  • Government Sponsored Schemes

    Government Sponsored Schemes are special programs launched by the Government of India to promote financial inclusion, social security, and self-employment among the…

  • Finance to Micro, Small and Medium Enterprises (MSMEs)

    MSMEs are the backbone of the Indian economy. They create the most jobs after agriculture and play a huge role in our…

  • Priority Sector Advances

    What are Priority Sector Advances? Priority Sector Advances refer to the loans that banks are required to provide to certain specific sectors…

  • Important Laws Relating to Recovery of Dues

    When a borrower fails to repay a loan (i.e., the account becomes an NPA), the bank needs to take legal action to…

  • Documentation

    Documentation is the process of creating a legally binding agreement between the bank and the borrower for a loan. These documents serve…

  • Types of Collaterals and their characteristics

    Collateral is an asset or property that a borrower offers to a lender (a bank) as security for a loan. It acts…

  • Operational Aspects of Loan Account

    The operational aspects of loan account cover the practical, day-to-day procedures that a bank follows from the moment a loan is approved…