This document discusses various loan types offered by Adarsh Credit Cooperative Society, including:
1. Long-term loans which make up around 6% of total loans and have a repayment period of over 5 years. This includes Adarsh Home Loans up to Rs. 70 lakhs for house purchase/construction and Adarsh Vyapar Loans for SMEs.
2. Medium-term loans have a repayment period between 15 months to 5 years.
3. Short-term loans must be repaid within 15 months.
Borrowers must hold at least 5% of the society's shares, up to a maximum of 1/5th of their total shareholding capacity. Documentation requirements vary
NRI investment opportunities in India are too many. Real-estate and financial assets are the prominent options which render investment opportunities to them. NRE, NRO and FCNR accounts are the channels which bridge their investment. Fixed deposit, ultra short term funds, debt and equity funds are few of financial options to expend in.
NRIs are entertained with many lucrative investment services and schemes. NRE, NRO and FSNR accounts make their investment channelization easy. National Pension Scheme, fixed deposit, bonds, certificate of deposits and Mutual fund investments provide them the most fruitful opportunity to ensure savings and earning.
NRI investment opportunities in India are too many. Real-estate and financial assets are the prominent options which render investment opportunities to them. NRE, NRO and FCNR accounts are the channels which bridge their investment. Fixed deposit, ultra short term funds, debt and equity funds are few of financial options to expend in.
NRIs are entertained with many lucrative investment services and schemes. NRE, NRO and FSNR accounts make their investment channelization easy. National Pension Scheme, fixed deposit, bonds, certificate of deposits and Mutual fund investments provide them the most fruitful opportunity to ensure savings and earning.
if you have 50 lakhs and want to invest safely then this portfolio will give you a basic idea about where to invest
and you will also get to know about different investment avenues
We are the provider of national pension scheme details and return related to government and retirement pension scheme. We also provide services for monthly and new pension scheme in India.
For more details please visit: http://fintrackindia.com/nps.html
Non-residential Indians (NRIs) have played an important role in the economy of India and they contribute to foreign direct investment (FDI) to our country's economy. We have curated top investment options for NRIs in India.
The deck consists of the below topics:
1) Who is an NRI?
2) Why is it Profitable to Invest in India?
Be Clear About Your Financial Goals
3) Investment Option 1 – Bank Fixed Deposits
4) Investment Option 2 – Mutual Funds or Direct Equity
5) Investment Option 3 – Real Estate
6) Investment Option 4 – Investment in Bonds/ Government Securities
7) Investment Option 5 – National Pension Scheme (NPS)
Hope you liked the content, do share with all your NRI relatives and friends!
if you have 50 lakhs and want to invest safely then this portfolio will give you a basic idea about where to invest
and you will also get to know about different investment avenues
We are the provider of national pension scheme details and return related to government and retirement pension scheme. We also provide services for monthly and new pension scheme in India.
For more details please visit: http://fintrackindia.com/nps.html
Non-residential Indians (NRIs) have played an important role in the economy of India and they contribute to foreign direct investment (FDI) to our country's economy. We have curated top investment options for NRIs in India.
The deck consists of the below topics:
1) Who is an NRI?
2) Why is it Profitable to Invest in India?
Be Clear About Your Financial Goals
3) Investment Option 1 – Bank Fixed Deposits
4) Investment Option 2 – Mutual Funds or Direct Equity
5) Investment Option 3 – Real Estate
6) Investment Option 4 – Investment in Bonds/ Government Securities
7) Investment Option 5 – National Pension Scheme (NPS)
Hope you liked the content, do share with all your NRI relatives and friends!
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Adarsh Cooperative Credit Society - Long Term Loan Policy
1. Arpit Gupta, Roll No. 860
B.B.A., LL.B. (Hons.), Semester VI
National Law University, Jodhpur
2. INTRODUCTION
Established under the Multi-State Cooperative
Societies Act, 2002
Began operations in 1999; granted the status
of a multi-state cooperative in 2009.
Registered Office – District Sirohi, Rajasthan
Corporate Office – Udaipur, Rajasthan
5. LOANS AND ADVANCES
As per the Balance Sheet as on Mar. 31, 2013,
the value of ‘long term loans’ is Rs.
3,42,69,851.36, out of a total of approx. Rs. 545
crores
Hence, long term loans are not as popular as
medium term and short term loans
6. BYE-LAWS
Clause 22 – ‘Capital & Funds’
Includes ‘Loans and Deposits’
http://www.adarshcredit.in/English/ByeLaws
(see page 19)
7. BYE LAWS
•Clause 46 – ‘Loans and Advances’
•2 categories:
1.Unsecured Loans – clean overdrafts, loans
against 1 or 2 personal sureties,
purchase/discount of clean bills/cheques
2.Secured Loans – can be against various types
of securities
8. TYPES OF ‘SECURITIES’
Personal security
Collateral security of movable/immovable
property
Any type of ‘dwelling’ – industrial, mercantile,
agricultural, plot of land etc.
Pledge of govt., trustee securities, shares of
approved companies, debentures and FDs
Insurance policies
Warehouse receipts
Gold and silver ornaments
9. DEFINITION OF ‘LONG TERM LOAN’
•Clause 46 (2) of Bye-Laws
•3 types of loans (in terms of lending period):
1.Long term loans - > 5 years
2.Medium term loans – 15 months-5 years
3.Short term loans – up to 15 months
10. SHAREHOLDING REQUIREMENTS FOR LOANS
Clause 47
Unsecured & secured loans – 5% of the
Society’s shares
Cannot exceed 1/5th
of the total shareholding
capacity
11. ADARSH HOME LOAN
For purchasing house/flat or a plot and
construction thereon
Maximum repayment period: 240 months
Loan amount = 75% of the agreement value
OR
Income criteria, whichever is lower
Income criteria = Net income/salary *
repayment period * 0.33
13. ADARSH HOME LOAN
Maximum loan amount: Rs. 70 lakhs
Security: Equitable mortgage/registered
mortgage of property
Important documents to be provided (Address
proof, Identity proof, salary details etc)
14. ADARSH VYAPAR LOAN
For SMEs
‘To provide security based finance with
reduced paperwork and simplified procedure’
Both traders and service providers
Borrowing limit: 5 lakhs and above for cash and
term loan up to Rs. 10 lakhs
SECURITY
Cash credit hypothecation of stock/book debts
(Primary)
15. ADARSH VYAPAR LOAN
TERM LOAN SECURITY
Hypothecation of plant and machinery purchased
out of the loan
REPAYMENT
For cash credit: Yearly review
For term loans: 60 months
16. ADARSH VYAPAR LOAN
IMPORTANT DOCUMENTS
Last 3 years audited Balance Sheet
Last 3 years income tax returns
List of creditors
Attested xerox copy of ration card/PAN
card/electricity bill/telephone bill
Stock and book debt statements for last month
17. ADARSH PERSONAL LOAN
Multipurpose loan – finance for medical
expenses, purchase of consumer durables,
travel expenses, repayment of high cost loans
Maximum amount: Rs. 2 lakhs
Repayment period: Up to 60 months
Rate of interest: 6% p.a.
ELIGIBILITY:
10 times of Net Pay, subject to take home
salary of Rs. 7,500/- p.m.
18. ADARSH PERSONAL LOAN
SECURITY
No security up to Rs. 50,000
Rs. 50,000 – Rs. 2 lakhs – 5 % of the loan
amount in the form of FD/LIC Policy etc