[su_tabs vertical=”yes”]
[su_tab title=”Deposits”]

All topics related to Deposits

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[su_heading margin=”10″] SAVINGS BANK AND DEPOSITS[/su_heading]

1. What are the deposit Rates of Major Banks in India?
2. All about bank deposits
3. Is Aadhar mandatory for opening bank account?
4. What are the rules for a name change in banks?
5. Bank accounts of lunatic and insolvent persons
6. Bank accounts of persons using thumb impression
7. Bank account operations by Old/Sick/Incapacitated Customers
8. What are the guidelines for opening and operating bank account by mentally ill persons?
9. Bank account of a minor
10. How to open SB Account in a bank?
11. Who can open Savings Bank Account/ SB Account in Banks ?
12. Form ‘QA 22’ for opening bank accounts of foreign nationals
13. How to open bank accounts of overseas students in India?
14. How to open Bank account for a foreign tourist?
15. How to open bank accounts of Foreign Nationals on employment in India?
16. EEFC Accounts of Indian exporters
17. FAQs on opening EEFC accounts
18. Offer of Additional Interest on domestic bank deposits
19. TDS on Fixed deposits of banks
20. Tax Saver fixed deposits of banks
21. What is BSBDA (Basic Savings Bank Deposit Account) / No frill account?
22. How to regularize bank account classified as dormant or inoperative?
23. TDS on Fixed deposits of banks
24. How to open bank account of mentally ill person?
25. How to deal with accounts of insolvent person?
26. How to deal with bank accounts of lunatic person?
27. Why we have to make nomination for our financial assets?
28. What is safe deposit locker and how to operate?
29. What is the procedure to be followed on death of a locker hirer?
30. How a bank returns safe custody articles to nominee/legal heir?

[su_heading margin=”10″]NON -RESIDENT INDIANS ACCOUNTS[/su_heading]

1. Why NRI’s need NRO account?
2. Information on FCNR(B) and NRE Deposit
3. What is Resident Foreign Currency (RFC)?
4. EEFC Accounts of Indian exporters
5. FAQs on opening EEFC accounts
6. Foreign Currency Accounts of Ship-manning and Crew Management agencies
7. How to close of FCNR deposits?
8. What are the debits and credits permitted in NRE account?
9. What are the conditions apply for loan against FCNR/NRE deposits?

 

[su_heading margin=”10″]CURRENT ACCOUNTS[/su_heading]

1. How to Open Bank account of a partnership firm?
2. What is the process to open a Current Account for a Limited Company?
3. How to open a bank account for Executor or Administrator?
4. How to open bank account for Hospitals, Nursing Homes, Pathologies?
5. How to open HUF Bank account?
6. What is the process of opening bank accounts for clubs, societies or Associations?
7. How to open a bank account for Proprietorship / HUF / Liquidator / Trust/Govt. ?
8. How to open Trust/foundation Account in bank?
9. What are the powers of Karta in HUF?
10. How to operate bank account when Karta of the HUF dies?
11. what is a mandate?
12. what is a power of attorney?

[su_heading margin=”10″]CLAIM SETTLEMENTS[/su_heading]

1. How does claim settlement in banks work where survivor/nominee clause does not exist?
2. How does claim settlement by banks work where survivor/nominee clause exist?
3. How banks settle claims of a missing person on presumed death?
4. What is the Bank policy for payment of interest on overdue-deposits and current deposits claims?
5. Offer of Additional Interest on domestic bank deposits

[su_heading margin=”10″]KYC[/su_heading]

1. What is Prevention of Money Laundering Act? / PML Act 2002
2. What are CFT and FATF in banking?
3. What is Money Laundering?
4. What are the RBI norms for periodical updating of KYC?
5. What are core components of KYC/AML guidelines?
6. KYC documents for current accounts of all varieties
7. How to open bank accounts under e-KYC process?
8. What are the valid address proof documents for KYC?
9. What is relaxed KYC norm for proprietary concerns?
10. KYC/AML guidelines for opening bank account made simple
11. What is Central KYC Records Registry (CKYCR)?
12. The situations in which photographs not necessary to open a bank account.

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[su_tab title=”Loans & Advances”]

All topics related to Loans & Advances

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[su_heading margin=”10″]Bills[/su_heading]

1. What is co-acceptance of bills?
2. Checklist for banks financing against LC/Co-accepted bills
3. What are the clean bills, documentary bills, demand bills, usance bills and accommodation bills?
4. Meaning of DP bills, DA bills, and Acceptance of bills
5. What is the difference between Demand Bills Purchase and Usance Bills Discount?
6.  What is Bharat Bill Payment System (BBPS)?

[su_heading margin=”10″]Loans under Government Scheme[/su_heading]

1. How to get bank finance under PMEGP scheme?
2. How to submit PMEGP loan application online?
3. PMEGP-Frequently Asked Questions
4. How can minority communities avail Concessional Loans?
5. Detailed information on education loan scheme in India
6. Padho Pardesh: 100% interest subsidy to students of minority communities
7. What is Reverse mortgage loan scheme and how it helps senior citizens?
8. DRI loan scheme for low-income groups
9. What is CGTMSE credit guarantee scheme?
10. What are the activities of self-help groups (SHGs)?
11. Interest concession under DAY-NRLM to Women SGHs
12. Stand-Up India Scheme for financing SC/ST and/or Women Entrepreneurs
13. Concept of Priority Sector Lending & revised guidelines
14. Common loan application format for MSME loans up to Rs.2 Crore revised
15. Do you know how ‘TReDS’ helps MSME finance?
16. Dealing in Priority Sector Lending Certificates (PSLCs)
17. Pradhan Mantri Jan Dhan Yojana (PMJDY): A mega financial inclusion scheme
18. Loans to weaker section category explained
19. Interest subvention scheme on short term crop loan
20. What is SHG bank linkage programme?
21. What are the key activities of NABARD?
22. What are the activities of National Housing Bank?
23. How Gold metal loans are sanctioned to jewellers?
24. Whether bank can sanction loan to a mentally retarded person? 
25. What are the latest guidelines on Priority sector lending and targets?
26. How Kisan Credit Card is useful to farmers?
27. How agriculture insurance helps farmers on crop losses?
28. What is risk management in agriculture?
29. What is hedging of Agri-Commodity Price Risk?
30. Interest subvention scheme for women SHGs year 2017-18
31. CLCSS subsidy scheme for micro and small enterprises
32. What is MUDRA Bank
33. Different Types of Bank Borrowers
34. Bank finance of different types
35. What is demand loan?
36. What is a Bridge Loan?
37. Home loan takeover process by banks explained
38. RBI revises Priority Sector target and classification

[su_heading margin=”10″]Charge creation[/su_heading]

1. What is fixed charge, floating charge and crystallization of charge?
2. Difference between first charge and second charge
3. What is Pari-Passu charge?
4. How bankers establish their right over assets of the borrower?
5. What are the benefits of charge registration under companies act
6. What are the implications of non-registration of a charge
7. How to get the satisfaction of a charge certificate from Registrar of companies?
8. After delay in filing of registration of the charge: Condonation route
9. Banks can register a charge on their own if the borrower company fails to register
10. Mode of charge registration under companies act

[su_heading margin=”10″]Securities[/su_heading]

1. Difference between Prime and Collateral Security
2. What are secured and unsecured loans?
3. Lien: Liens of a different kind
4. Hypothecation: Lender’s right under hypothecation of assets
5. Definition of assignment and actionable claim
6. Trust Receipt under the contract of pledge
7. Difference between Lien and Pledge
8. Difference between Hypothecation and Mortgage
9. How to examine title deeds of house property?
10. Mortgage of immovable properties in India
11. Reverse mortgage loan scheme, windfall to senior citizen

[su_heading margin=”10″]Execution of Documents[/su_heading]

1. The important Points to be borne in mind while in Execution of Loan Documents
2. How to devote your time for execution of loan documents?
3. Applicability of Stamp duty when signatories are in different states/abroad
4. Loans to illiterate persons: Execution of loan documents
5. Where is the revenue stamp required to be affixed?
6. Important types of stamp papers used in India
7. 3 categories of stamp duties in India
8. What is revival letter for a bank loan?
9. What is the remedy to revive time-barred debt?
10. How banks enforce money suit while document is time-barred?

[su_heading margin=”10″]Loan and advances – Useful Information[/su_heading]

1. How to inspect a factory unit and go down?
2. What is credit monitoring of loans and advances?
3. What is the difference between loans and advances?
4. What is the difference between Open Cash Credit and Key Cash Credit facilities?
5. What is the difference between Overdraft and Cash Credit facility?
6. Difference between Leasing Finance and Hire-Purchase finance
7. CIBIL credit scoring system now upgraded
8. Credit Information reports from all CICs is now mandatory
9. Free Annual Credit Report to individuals from January 2017
10. Who are Domestic and International Credit Rating Agencies
11. Principles of Lending
12. How to compute Marginal Cost of Lending Rate (MCLR)?
13. How banks determine ‘Base Rate’ and ‘Spread’ in respect of interest on advances?
14. What are the conditions apply for loan against FCNR/NRE deposits?
15. How to prepare a project report or recommendation for bank loan
16. What is commitment charge?

[su_heading margin=”10″]Guarantees[/su_heading]

1. Major types of Bank guarantees
2. Non-Fund Based Facility of Non-constituent bank borrowers?
3. Time limit for enforcement of bank guarantees
4. Limitation period for personal guarantees?
5. Circumstances that may discharge Guarantor from all liabilities
6. What is contract of indemnity?
7. What is the validity period for bank guarantees issued in favour of Government?

[su_heading margin=”10″]NPA Management[/su_heading]

1. Strategies for reducing NPA
2. Recovery through award of LOK ADALAT
3. Debt recovery through DRT proceedings
4. RBI releases Strategic Debt Restructuring Scheme for bad loans
5. Recovery through SARFAESI ACT 2002
6. Features of amendment Bill 2016 to SARFAESI ACT2002
7. Who has to be blamed for the deadly trap of rural debts?
8. All about ‘S4A’: The Scheme for restructuring of Stressed Assets
9. How to identify a wilful defaulter?
10. Bad Loans (NPA) in Banks: Why do we have this state of affairs?
11. Do you know the meaning of ‘Non-Cooperative Borrowers’?
12. Meaning of ‘diversion of funds’ and ‘siphoning of funds’
13. What’s the big deal about bankruptcy law?
14. What’s stopping banks to act as development facilitator of Micro and Small enterprises?
15. RBI starts proceedings against Large Corporates under the Insolvency and Bankruptcy Code (IBC)
16. What’s new in Insolvency and bankruptcy code (amendment) Bill 2017?
17. How Insolvency and Bankruptcy Code (IBC) could benefit banks?
18. Resolution of Stressed Assets: RBI scraps all existing debt restructuring schemes
19. Timelines for large accounts under Insolvency and Bankruptcy Code 2016 (IBC)

[su_heading margin=”10″]Prudential Norms[/su_heading]

1. Prudential norms for income recognition and asset classifications
2. Modifications to Basel II framework under Basel III accord
3. Basel Accords: First, Second and Third
4. Loan to value ratio and Risk Weight percentage on housing loans
5. Basel III Capital treatment of Banks Balance Sheet items

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[su_tab title=”Financial Analysis”]

All topics related to Credit appraisal/Financial Analysis

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1. How to analyse a Balance-sheet?
2. How to study a profit and loss statement?
3. What is window dressing in balance-sheet or in profit and loss account?
4. Ratio analysis
5. How to interprete and infera financial statement?
6. What are the three methods of depreciation and meaning of amortization?
7. How to process credit proposal?
8. How to analyse a cash flow statement?
9. How to analyse a funds flow statement?
10. How to appraise term loan proposals?
11. How to Calculate of Break Even Point?
12. What is the method of assessment of Non-fund based limits?
13. What are the terminologies used in working capital appraisal?
14. What are other current liabilities?
15. What is working capital finance?
16. What is a working capital gap?
17. What is operating cycle of manufacturing unit?
18. How to calculate length of holding period for stocks and receivables?
19. What are the methods used for appraisal of working capital?
20. Cash budget pattern of financing seasonal productions
21. How to compute working capital limits under Turn-over method/Nayak Committee
22. What are the non-financial papers examined by banks for credit appraisal
23. All about feature films financing
24. Here’s how you can process ‘Pisciculture Loan’ application
25. What is Benefit to cost ratio?
26. What are NPV, IRR, DCF… in capital budgeting?
27. What is capital budgeting?
28. How assets in the trading book and banking book are distinguished?

[/su_tab]

[su_tab title=”Forex”]

All topics related to Forex

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1. How much money can you carry abroad?
2. Currency limit for purchase from duty-free shops increased?
3. Fundamentals of foreign exchange market and terminologies used in dealings
4. Export procedure in India
5. Export declaration forms explained
6. What is Packing Credit facility?
7. Packing Credit-Running Account
8. Meaning of Status holder/export houses and their privileges
9. Post shipment finance to exporters without packing credit facility
10. Why both exporter and the bank need ECGC cover?
11. Eligibility norms for bank finance to exporters
12. Eligibility norms for bank finance for service exporters
13. How to liquidate packing credit loan without post-shipment finance?
14. Important FEDAI rules
15. What is the role of FEDAI ?
16. What is the role of EXIM Bank?
17. Eight types of post-shipment finance provided by the banks
18. Checklist for banks financing against LC/Co-accepted bills
19. Crystallization of overdue export bills
20. Crystallization of import bills under LC
21. Important Points to be borne in mind while handling import documents
22. Online submission of Form A2 is now allowed
23. Evidence for physical import of goods into India
24. Meaning for Normal Transit Period and Notional Due Date
25. Uniform Customs and Practice (UCP) for Documentary Credits
26. Different kinds of letters of credit
27. Mechanism of letter of Credit transactions
28. Parties tangled in issuance of a Letter of Credit
29. Connotations used in Letter of Credit transactions
30. Standby Letter of Credit of different types
31. Checklist for banks financing against LC/Co-accepted bills
32. What is co-acceptance of bills?
33. Difference between purchase, discount, and negotiation of export bills
34. Meaning of inland bills and foreign bills explained
35. Meaning of DP bills, DA bills, and Acceptance of Bills
36. How well do you know about Buyers Credit and Suppliers Credit
37. What is negative statement of export bills?
38. Revision of position (long or short) for all currencies in  Exchange Traded Currency Derivatives (ETCD) Market
39. Gold import rules in India

[su_heading margin=”10″]External Commercial Borrowings (ECB)[/su_heading]

1. Overseas Rupee denominated bonds under ECB
2. All info on External Commercial Borrowings (ECB)
3. ECB clarification on hedging
4. Security for External Commercial Borrowings (ECB)
5. External Commercial Borrowings (ECB) in Indian Rupees
6. Rescheduling or Restructuring of External Commercial Borrowings (ECB)
7. RBI relaxes rules on external commercial borrowings
8. Meaning of cooling period in collection of foreign currency cheques
9. Revision of FEMA regulations

[su_heading margin=”10″]Forex – General Knowledge[/su_heading]

1. Who is ‘Overseas Citizen of India (OCI)’
2. Forex terminologies you need to be familiar with
3. Difference between Devaluation and depreciation of a currency
4. Seigniorage: How US generate big profit from printing Dollar notes?
5. Factors why Rupee falling against Dollar

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[su_tab title=”RBI Functions”]

Reference materials to understand RBI functions

[su_spacer]

1. Basic Functions of RBI
2. Latest Key policy rates (Bimonthly Repo, SLR,CRR etc.)
3. CRR and SLR: How they effect on bank credits?
4. Effects of Repo Rate, Reverse Repo rate changes
5. Do you know that Repo auction frameworks is different from Repo rate?
6. What is bank rate?
7. What is Marginal Standing Facility (MSF)?
8. Banks cannot decline to accept the coins minted by the Government
9. All scribbled currency notes are not illegal – RBI
10. New rule for Exchange of Soiled, Mutilated, and Imperfect Notes
11. Currency Distribution and Exchange Scheme (CDES) of RBI
12. What are the regulatory restrictions on bank lending?
13. What is selective credit control?
14. What is the RBI guidelines on return/ despatch of dishonoured cheques?
15. What is money and money circulation?

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[su_tab title=”Negotiable Instrument and contract Acts”]

Reference materials for Negotiable Instrument and contract Acts

[su_spacer]

1. Definition of a cheque
2. Rules for cash payment of a cheque
3. Effects of not-negotiable mark on a cheque
4. General and special crossing of a cheque
5. Meaning of inchoate cheque
6. Meaning of material alteration in a cheque
7. Cheque bounce implications
8. Difference between bill of exchange and cheque
9. Definition of Promissory note
10. Definition of Usance Bills
11. Varieties of Bills of Exchange used in trade
12. What is a negotiable instrument?
13. Who are the parties to a negotiable instrument?
14. Difference between Bills of Exchange and Promissory Note
15. Definition of Assignment and actionable claim
16. Difference between Assignment and Negotiation
17. Collecting banker’s responsibility
18. Paying banker’s responsibilities
19. A  better title to ‘Holder in due course’ explained
20. Payment in due course – explained
21. Holder in due course explained
22. Holder: Who is the holder of a negotiable instrument?
23. Endorsement: Meaning of valid endorsement
24. Allonge: When is an allonge to be used
25. General and special crossing on cheques
26. Noting and Protest explained
27. Meaning of material alteration of a cheque
28. Difference between mandate and power of attorney
29. Difference between Hundi and Hawala
30. Concept of banker and customer relationship
31. Features of a cheque leaf
32. Little more to know about a cheque
33. What is Cheque Truncation System?
34. What is a forged instrument? (Cheque/bill/Promissory note)

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[su_tab title=”Treasury Operations”]

All posts related to Money, Banking, and Finance,treasury Operations

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1. What is call money market?
2. What is money market?
3. What is commercial paper?
4. Different types of repos in money market
5. What is CBLO dealing in money market
6. Illustration of yield based and price based auction of Government securities
7. Government securities and its operators
8. Derivatives: Meaning of various types of derivatives and their  uses
9. Name change: CCIL is now Trade Repository
10. How well do you know Forex Treasury Operations?
11. Terminologies used in Forex treasury dealing room
12. Meaning of Dirty Float
13. What is a financial system?
14. What is NBFC?
15. What is Convertible and Non-Convertible Debentures?
16. What are the activities of a commercial bank?
17. Co-operative-banking-in-india
18. What is retail banking??
19. What is wholesale banking?
20. What is merchant banking?
21. What is universal banking?
22. What is red herring prospectus?
23. What is factoring?
24. What is forfaiting?
25. What is International factoring?
26. What is Mibor?
27. What is LIBOR?
28. What is a Participatory Note?
29. What are depository receipts –ADR, GDR and IDR?
30. What is debt market?
31. What are the difference between equity market and debt market?
32. Who are Foreign Institutional Investors (FIIs)?
33. What is depository?
34. What is stock exchange and stock broker?
35. Who is Registrars to an Issue?
36. What is a strategic alliance?
37. What is Payment and Settlement System?
38. What is National Payments Corporation of India?
39. What is Clearing Corporation of India?
40. What is derivatives?
41. What is the meaning of options in security market?
42. What is the meaning of SWAP transactions?
43. What is portfolio management?
44. Difference between futures, options and arbitrage
45. What is the difference between forward contract and futures contract?

[su_tab title=”Partnerships & Companies”]

All posts related to Partnerships & Companies

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1. What are Legal rights of minor as a partner
2. Legal aspects of partnership business (Garner Vs. Murray rule)
3. Sharing of capital deficiency by the partners
4. Who are called as active partner and sleeping partner in a partnership?
5. What are the legal rights of minor as a partner?
6. What are the types of partners we notice in a partnership?
7. What are partnership at will and fixed term partnership?
8. What is LLP ?

[su_heading margin=”10″] Limited and Private limited Companies[/su_heading]

1. Difference between subsidiary company, sister concern, Associated Company, Joint Venture, Conglomerate and Group of companies
2. How to Register a Company in India explained
3. Key differences between private limited and public limited company
4. Authorised Capital, issued capital and paid-up capital of a company explained
5. Guidelines on Memorandum of Association and Article of Association of a company.
6. All-in-one Form INC-29 for registration/certificate of Incorporation of new company.
7. Form INC-7 for Incorporation/registration of a new company
8. Guidelines on selecting/reservation of name for your company
9. Digital Signature Certificate (DSC) of different types
10. Guidelines on how to get Director Identification Number (DIN)
11. Udyog Aadhar replaces old system of MSME/SSI registration

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[su_tab title=”Risk Management”]

All articles related to Risk Management

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1. Fraud Risk Management in Banks
2. Credit Risk Mitigation Strategies in Banks
3. Types of risks that banks are confronted with
4. How the Liquidity Risk manifests in Banks
5. Integrated Risk Management in Banks
6. How to mitigate Counterparty risks?

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[su_tab title=”Technology Innovation”]

All posts related to Technology Innovation

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1. Features of Bharat QR code based payments
2. Micro ATM’s and their uses in rural India
3. Difference between NACH and ECS
4. See how ECS credit/debit helps bank customers and corporates
5. ATMs: What does White Label, Brown Label and online offline ATM mean
6. International Card transactions through White Label ATM
7. How different are Credit cards, Debit cards and prepaid cards?
8. Point of Sale (POS): Easy mode of payments and cash withdrawal
9. What is IMPS or mobile phone banking?
10. How does an ATM works?
11. What is Contactless Card?
12. Bank Kiosks and their concept
13. RuPay card, gaining momentum
14. SWIFT Financial messages: authentic and universal
15. Know what is RTGS, NEFT transactions
16. No liability or limited liability to customers in card/online fraudulent transactions
17. What are Prepaid Payment Instruments?
18. What is e-Commerce ?
19. What is e-Wallet?
20. Features of Bharat QR code based payments
21. What is smart card?
22. What is creditcard and its advantage?
23. What is debit card and its advantage?
24. What is virtual card/prepaid card?

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[su_tab title=”Premier Institutions”]

All posts related to Premier Institutions

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1. Banking Ombudsman Scheme 2017
2. DICGC insurance cover for depositor of the bank
3. RERA regulatory authorities (RERA rules help home buyers)
4. Key features of the Payments Banks
5. Small finance bank setup in India
6. What is NCDRC?
7. What is Consumer Protection Act 1986 (CPA/COPRA)?

[/su_tab]
[su_tab title=”Knowledge Capsule”]

All posts related to Knowledge Capsule

[su_spacer]

1. Format of a WILL (draft for preparation of a WILL)
2. What is the advantage of registering a WILL?
3. Importance of making a WILL in addition to nomination
4. What is Money Laundering?
5. Who is a Whistle-Blower?
6. What is Insider trading?
7. Forensic audit in banks
8. Legal audit in banks
9. Do you know how PAN card is issued?
10. Do you know how TAN card is issued?
11. GST Benefits: An overview of Goods & Services Tax
12. GST Rates
13. Things to know about FDI
14. Sweeping amendments in FDI rules
15. When precisely one becomes a customer of the bank?
16.  How to write a cheque?
17. Tax-free gratuity limit enhanced to Rs.20 lakhs through gazette notification
18. How to calculate Gratuity?

[su_heading margin=”10″] Customer Service[/su_heading]

1. The concept of banker and customer relationship?
2. How to file a complaint in consumer court?
3. How to file a consumer complaint online?
4. Who are bank customers?
5. What is NCDRC?

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[su_tab title=”Investments & Insurance”]

All articles related to Mutual Funds & Insurance

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1. Interest rates on small savings scheme from July 1, 2017
2. Figure the best tax saving instrument that suits you
3. Retired? Make informed decisions related to your investments
4. Advantage of Sovereign Gold Bond over Physical form of gold
5. Investments in ELSS (Equity-Linked Savings Scheme)
6. Investments in Senior Citizens savings scheme
7. Investment in NSCs for tax deductions
8. Investment in PPF for tax deductions
9. Investment in ULIPs for tax deductions
10. Investments in Sukanya Samriddhi Account
11. Income Tax deduction on Housing Loan
12. Different types of Mutual fund schemes
13. The distinction between Liquid fund and Ultra-Short Term Fund
14. The functions of Mutual Funds Organizations
15. Arbitrage Funds: Opportunity for risk-free investments
16. Details of New Pension System (NPS)
17. New Pension System (NPS): Does it provide you with a peaceful retirement plan?
18. Swavalamban Yojana: Pension scheme for all citizens in the unorganized sector

[su_heading margin=”10″] Insurance[/su_heading]

1. How to buy various types of insurance policies?
2. Pradhan Mantri Fasal Bima Yojana (PMFBY)
3. PMJJBY and PMSBY insurance schemes

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