Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
Any credit facility provided to a borrower company engaged in an infrastructure facility is known as ‘infrastructure lending’. The activities such as developing, or operating, and maintaining, or developing, operating,…
Deferred Payment Guarantee is a guarantee for a payment usually on installments which has been deferred or postponed. Banks issue DPG in the cases of purchase of capital goods/machinery where…
Working capital finance is vital for sustaining daily operations and ensuring a business’s financial stability. However, several operational and strategic issues can hinder its effective management. These include cash flow…
The Reserve Bank of India (RBI) has formulated a comprehensive framework to facilitate liquidity through the discounting and rediscounting of genuine trade bills. One of the key mechanisms introduced under…
The Reserve Bank of India issued draft guidelines to provide a harmonised prudential framework for financing projects in Infrastructure, Non-Infrastructure, and Commercial Real Estate sectors by regulated entities (REs). In…
Introduction: Term loan is a type of loan where a fixed amount of money is borrowed from a financial institution for a specified period. These loans can be classified as…
It is inevitable for banks to ascertain that bank could easily take possession of such security based on documents obtained from the borrower with very little expenses and dispose-off the…
(This post explains basic concept of term loans and important ratios are to be examined while appraising a term loan project. The article also deals with how to compute break…
The credit facilities given by the banks where actual bank funds are not involved are termed as ‘non-fund based facilities’. Letter of Credit (LC), Letter Of Guarantee (Bank Guarantee), Advance…
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