Credit management by commercial banks is a part of banking activities of normal course where banks constitute as a largest group of financial intermediaries. There are two core activities of commercial banks one to accept deposits and second to give loans and advances. The deposits are liabilities for any bank as these are required to be paid back to customers [...]
This article throws light upon the top six government sponsored schemes under which banks are required to finance as per the respective scheme norms prescribed by the RBI. The schemes are: 1. DRI Scheme 2. SLRS 3. PMRY Scheme 4. SJSRY 5. SGSY 6. SELF HELP GROUP. Government Sponsored Scheme # 1. DRI (Differential Rate of Interest Scheme): Differential rate [...]
After reading this article you will learn about:- 1. Meaning of Securitisation 2. Process of Securitisation 3. Advantages 4. Disadvantages 5. Securitisation in Indian Market. Meaning of Securitisation: RBI in its circular on Securitization of Standard Assets, describes Securitization. "as a process by which assets are sold to a bankruptcy remote special purpose vehicle (SPV) in return for an immediate [...]