Are you thinking of taking a home loan? If so, you would have already done the rounds of many banks. But there's yet another option that is worth looking at. With leading non-banking financial compani
An account is declared as NPA based on the recovery of installments and interest on loans and advances and other aspects as per RBI norms. The updated norms to declare the account as NPA are as follow
What is Know Your Customer (KYC)?
KYC Stands for “Know Your Customer”. Know your customer (KYC) policy is an important step developed globally to prevent identity theft, financial fraud, mone
An estimated 60 million persons are employed in an estimated 26 million micro and small enterprises in the country. The MSE sector contributes about 45% of the manufacturing sector output and 40 % of
Credit Information Bureau (India) Limited is India's first Credit Information Company (CIC) founded in August 2000.
CIBIL collects and maintains records of an individual's payments pertaining to lo
Micro Units Development and Refinance Agency Bank (or MUDRA Bank) is a public sector financial institution in India. It provides loans at low rates to microfinance institutions and non-banking financi
Statutory liquidity ratio refers to the amount that the commercial banks require to maintain in the form of gold or government approved securities before providing credit to the customers. Statutory L
Startups are growing now, and it is the right time. But you have to keep your job to support your family. How will you survive without a salary?
Keep those questions aside. We will discuss them som
1. Seed capital
As the name suggests, this is the initial amount invested is Stages 1 and 2. This amount can be introduced from founder's own savings or by way of loans from friends and family
The analysis of a company’s financial ratios is core to the scrutinizing process of banks as these ratios help understand a company’s overall financial risk profile. These parameters are:-
Profit Margin broadly indicates both a company’s competitive position in an industry, and the industry’s characteristics in terms of the strength of competition, pricing flexibi
Credit Monitoring Arrangement (CMA) data is a very important area to be understood by a person dealing with finance in an organization. It is the critical analysis of the current & projected financial
As the name suggest there are three broad components to NDTL.
Reserve Bank of India (RBI) has cut Repo Rate by 50 Basis points (0.5%). RBI Governor unexpectedly and surprisingly has announced the biggest interest rates cut in nearly 3 years.
But why this rate
Nowadays, when we talk about funding, we tend to synonymise it with venture capital or third party investment. The case, however, is not so. Venture capital/Angel funding is only a part of the entire
Starting your own business venture is a tempting thought. You can be your own boss instead of being hectored around. Yet, being your own boss is no easy task. To begin with, one of the biggest challen
The base rate or minimum lending rate was introduced by the RBI in 2010 after the erstwhile Benchmark Prime Lending Rate failed to respond to monetary policy changes.
The run-up to its implementati
What is Digital India?
The Digital India initiative seeks to lay emphasis on e-governance and transform India into a digitally empowered society.
The program is projected at Rs 1,13,000 cror
A vehicle for investing in stocks and bonds
A mutual fund is not an alternative investment option to stocks and bonds; rather it pools the money of several investors and invests this in stocks,
Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with the RBI. If the central bank decides to increase the CRR, the available amount with the banks comes down. The RBI uses
The best way to understand hedging is to think of it as insurance. When people decide to hedge, they are insuring themselves against a negative event. This doesn't prevent a negative event from happen
The Government of India has enacted the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006 in terms of which the definition of micro, small and medium enterprises is as under:
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