Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
HUF is the acronym for Hindu Undivided Family. A HUF can be formed by members of a family, wherein the members are lineal ascendants or descendants of Hindus, Buddhists, Jains,…
A current account is a form of demand deposit account, designed for running transactions of a business establishment. The documents requirement at the bank for opening a current account depends…
Karta (Manager) of HUF has sole authority over the HUF account and also over every transaction on behalf of the HUF account, made by each member of the family. Therefore,…
A declining or low credit score can significantly impact your financial well-being. Identifying early indicators and implementing corrective measures is essential to safeguarding and enhancing your creditworthiness. Key Warning Signs…
There’s often confusion between credit scores and credit ratings, but they serve different purposes: Credit Scores are given to individuals by Credit Information Companies (CICs) or credit bureaus. They help…
Effectively managing your credit score involves a combination of financial discipline and strategic planning. Key practices include making timely payments, maintaining a low credit utilization ratio, diversifying your credit portfolio,…
Traditional credit scoring systems do not always provide an accurate reflection of an individual’s repayment capacity. In some cases, they may disproportionately disadvantage certain consumers. If your credit report contains…
Credit scoring is a method used by lenders to evaluate a person’s creditworthiness—that is, how likely they are to repay borrowed money. This evaluation is usually expressed as a three-digit…
Origins of Credit Rating The concept of credit rating originated in the United States in 1909 when Moody’s began evaluating corporate and railroad bonds. This initiative marked the inception of…
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