Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
The National Highways Authority of India (NHAI) has announced the phased implementation of a GPS-based toll collection system, set to replace the existing FASTag system beginning May 1, 2025. This…
Banks generate non-interest income primarily through a wide range of fee-based services. These services include monthly account maintenance charges, ATM usage fees, credit card fees, wire transfer charges, and investment…
Ancillary services in banking refer to additional offerings beyond core financial products, aimed at enhancing the overall customer experience and financial inclusion. This includes card services, safe deposit lockers facility,…
Introduction to Credit Products Credit products refer to the range of commitments or obligations under which a bank agrees to make payments on behalf of or for the account of…
A liability account in accounting refers to any account representing an obligation owed by a business—such as a bank—to a third party. In the context of banking, the most common…
The Product Life Cycle (PLC) in the banking industry refers to the progression of a financial product through distinct stages from its initial introduction to eventual decline. Understanding the PLC…
Banking products constitute a fundamental component of the financial ecosystem, offering individuals and businesses a diverse array of services to effectively manage their finances. Core banking products include current (checking)…
Both the terms credit ratings and credit scores assess creditworthiness and risk involved in lending to an entity. A credit rating agency provides an opinion relating to future debt repayments…
Maslow’s Hierarchy of Needs outlines five progressive levels of human motivation that contribute to an individual’s overall sense of fulfillment. According to Abraham Maslow, individuals are driven to satisfy these…
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