Credit & Lending
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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…
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Pension Products
Pension products, also known as retirement plans, are financial instruments designed to help individuals save a portion of their income during their…
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Factoring, Forfaiting and Trade Receivables Discounting System (TReDS)
Factoring Factoring is a financial service where a business sells its accounts receivable (invoices) to a third party, known as a factor,…
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Micro Finance Institutions
Micro Finance Institutions (MFIs) are organizations that provide small-scale financial services, such as loans, savings, and insurance, to low-income individuals and small…
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Role of Priority Sector and MSME in the Indian Economy
What is the Priority Sector? The Priority Sector refers to those sectors of the economy which the Government of India and the…
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Gold Loan in the Indian Financial Context
A Gold Loan is a secured loan where a borrower pledges gold articles (jewellery or specially minted coins) as collateral.The lender (a…
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RBI Circular
🔹 NOVEMBER 2025 1. Trade Relief Measures, 2025 – For Exporters Circular: RBI/2025-26/96 (14 Nov 2025) Short Note on RBI’s Latest Circ……
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EMI Calculator – Calculate Loan EMI, SI, CI & Prepayments
Calculate Loan EMI, Interest & Prepayment Savings Planning a home loan, car loan, or personal loan? Our advanced EMI Calculator helps you…
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Your All-in-One Mobile Banking Guide!
Manage money, invest, borrow, and shop—all in one app! 📱 4 Pillars of Mobile Banking ✨ B3 Digital Accounts: Banking Made Easy…
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Protected: Important Updates in Banking
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Protected: Legal
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Protected: Retail Assets
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Quick Notes on Data Backup and Recovery
🔹 Backup & Storage Techniques 📌 1. What is Backup? 👉 Definition: Copy of data stored safely for recovery if data is…
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Priority Sector Lending (PSL) Simplified
1. What is Priority Sector Lending? In simple words:➡️ RBI forces banks to give loans to needy sectors, even if the profit…
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🔐 Understanding the sarfaesi act is crucial for both lenders and borrowers.
📌 Full Form Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002👉 Nickname: The Fast-Track Loan Recovery Law 🎯…
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📉 NPA Management Made Simple
🎯 What is an NPA? 📅 NPA Criteria (By Loan Type) Loan Type NPA Trigger Term Loans 90+ days overdue Overdrafts No…
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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…