Credit & Lending
Credit and lending notes for JAIIB, CAIIB and credit-officer exams — appraisal and assessment, working capital, priority sector lending, MSME and agriculture finance, NPAs and recovery.
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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…
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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…
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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.…
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Backup and Recovery Strategies
Backup and Recovery Strategies – Competitive Exam Master Guide | GyanDesk Competitive Exam Master Guide — Cybersecurity Backup & Recovery StrategiesComplete Study…
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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) Headquarters…
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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 —…
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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…
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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…
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Non-Performing Asset
CHAPTER 1 – Definition, Overdue & What Is NPA? 1. What is a Non-Performing Asset (NPA)? A loan becomes NPA when it…
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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…
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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…
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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…
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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…
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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…
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Documentation
Documentation is the process of creating a legally binding agreement between the bank and the borrower for a loan. These documents serve…
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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…
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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…
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Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities
Principles of Lending are the time-tested rules and guidelines that a banker follows to ensure that the loans they provide are safe,…
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Para Banking and Financial Services provided by Banks
Para Banking refers to the various financial services and activities that banks are permitted to offer, apart from their core banking functions…