Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
Introduction In the evolving landscape of credit delivery, the mechanisms of consortium lending, multiple banking arrangements, and syndicated loans serve as important frameworks for financing large borrowers. These arrangements enable…
Meaning of Loan Disbursement Loan disbursement refers to the actual release of funds by the lender following the approval of a loan application. It marks a crucial step in enabling…
The Indian Credit Rating agencies are governed by the Securities and Exchange Board of India (Credit Rating Agencies) Regulations, 1999 (“the Regulations”). SEBI however recognizing the need for more stringent…
A credit rating is an opinion of a particular credit agency regarding the ability and willingness of an entity (government, business, or individual) to fulfill its financial obligations in completeness…
Introduction A third-party guarantee is a legal commitment made by an external party—the guarantor—to assume responsibility for a borrower’s debt or obligation in the event of default. This form of…
Introduction Straight-Through Processing (STP) in credit delivery refers to the end-to-end automation of the lending lifecycle—from loan application to disbursement—without the need for manual intervention. This digital transformation facilitates seamless…
IntroductionIn both business and personal finance, the need for funds often arises to meet various requirements such as working capital, large purchases, or expansion projects. Among the various funding options…
In consortium lending system, two or more lenders join together to finance a single borrower. The lending banks formally join together, by way of an inter-se agreement to meet the…
A term loan appraisal is a specific type of project appraisal that focuses on evaluating a particular loan, whereas a project appraisal is a broader assessment of a project’s overall…
business advisor
public relations advisor
HR expert
marketing expert
business strategy
business communications
marketing coach
