Debuntures and term loans
•Download as PPTX, PDF•
2 likes•2,079 views
This document discusses debentures and term loans as methods for companies to raise finance. It defines debentures as a type of loan issued by companies that pays a fixed rate of interest but does not give the holder ownership in the company. Term loans are defined as loans that must be repaid in regular installments over a set period of time at a specified interest rate. The document outlines the key features, types, advantages and disadvantages of both debentures and term loans as financing options for companies.
Report
Share
Report
Share
Recommended
Credit appraisal an overview
The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.
Presentation on personal loan
This presentation discusses personal loans, which are unsecured loans that can be used for personal needs. Personal loans can be used for purposes like weddings, travel, home renovations, and debt consolidation. They offer benefits like flexible repayment terms of 1-5 years and loan amounts between 20,000-20 lakhs rupees. To qualify, salaried individuals need over 17,500 monthly income and 1 year work experience, while self-employed need 3 years in business and profits over 1-2 lakhs. The process involves applying online or with documents at CreditNation for fast, transparent personal loans in India.
Roles of banks
This document discusses the roles of banks, including intermediation, payment systems, and financial services. It describes how banks transfer funds from savers to borrowers through intermediation, and how they facilitate payments through various systems like NEFT, EFT, NDS, and RTGS. It also outlines the types of financial services banks provide, dividing them into asset/fund-based services like term lending and bill discounting, and fee-based services like corporate and retail banking products.
Credit management
Learn Something interesting about credit management.
All Aspects of Credit Management are covered in brief.
Factoring services
Factoring is a financial transaction where a business sells its accounts receivable to a third party called a factor in exchange for immediate cash. This differs from a bank loan in that factoring emphasizes the receivable's value rather than the firm's creditworthiness, it is a purchase of assets rather than a loan, and involves three parties rather than two. The three parties are the seller of the receivable, the debtor, and the factor. Factoring transfers ownership of the receivables to the factor, giving them the right to collect payment from debtors and bear the risk of nonpayment.
Retail banking ppt
Retail banking provides banking services to individual customers through local branches. It offers savings and checking accounts, mortgages, loans, debit/credit cards. Retail banking started in 15th century Europe and expanded through branch networks in the 19th century. Today it is characterized by multiple products and distribution channels for different customer groups. In India, retail banking has grown over 35% in the last 5 years and offers potential in rural areas. It provides secure money management and access to accounts/services through various channels like ATMs, internet and mobile banking.
Presentation on Banking Products
This presentation provides an overview of various banking products and services. It discusses the different types of banks and their core functions. It then examines several common banking products in India including deposits (current, savings, fixed, recurring), loans, cash credit, overdraft, credit cards, debit cards, ATMs, mobile/internet banking, demat accounts, and e-cheques. For each product, it provides details on what they are, the types that exist, their key features and benefits. The presentation is intended to educate audiences on the range of offerings provided by banks in India.
Sources of Finance Functions and Investment Policies of NBFIs in India RBI Gu...
Sources of Finance
Functions and Investment Policies of NBFIs in India
RBI Guidelines on NBFCs
Products offered by different NBFCs in India
Features of these Financial Products
Recommended
Credit appraisal an overview
The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.
Presentation on personal loan
This presentation discusses personal loans, which are unsecured loans that can be used for personal needs. Personal loans can be used for purposes like weddings, travel, home renovations, and debt consolidation. They offer benefits like flexible repayment terms of 1-5 years and loan amounts between 20,000-20 lakhs rupees. To qualify, salaried individuals need over 17,500 monthly income and 1 year work experience, while self-employed need 3 years in business and profits over 1-2 lakhs. The process involves applying online or with documents at CreditNation for fast, transparent personal loans in India.
Roles of banks
This document discusses the roles of banks, including intermediation, payment systems, and financial services. It describes how banks transfer funds from savers to borrowers through intermediation, and how they facilitate payments through various systems like NEFT, EFT, NDS, and RTGS. It also outlines the types of financial services banks provide, dividing them into asset/fund-based services like term lending and bill discounting, and fee-based services like corporate and retail banking products.
Credit management
Learn Something interesting about credit management.
All Aspects of Credit Management are covered in brief.
Factoring services
Factoring is a financial transaction where a business sells its accounts receivable to a third party called a factor in exchange for immediate cash. This differs from a bank loan in that factoring emphasizes the receivable's value rather than the firm's creditworthiness, it is a purchase of assets rather than a loan, and involves three parties rather than two. The three parties are the seller of the receivable, the debtor, and the factor. Factoring transfers ownership of the receivables to the factor, giving them the right to collect payment from debtors and bear the risk of nonpayment.
Retail banking ppt
Retail banking provides banking services to individual customers through local branches. It offers savings and checking accounts, mortgages, loans, debit/credit cards. Retail banking started in 15th century Europe and expanded through branch networks in the 19th century. Today it is characterized by multiple products and distribution channels for different customer groups. In India, retail banking has grown over 35% in the last 5 years and offers potential in rural areas. It provides secure money management and access to accounts/services through various channels like ATMs, internet and mobile banking.
Presentation on Banking Products
This presentation provides an overview of various banking products and services. It discusses the different types of banks and their core functions. It then examines several common banking products in India including deposits (current, savings, fixed, recurring), loans, cash credit, overdraft, credit cards, debit cards, ATMs, mobile/internet banking, demat accounts, and e-cheques. For each product, it provides details on what they are, the types that exist, their key features and benefits. The presentation is intended to educate audiences on the range of offerings provided by banks in India.
Sources of Finance Functions and Investment Policies of NBFIs in India RBI Gu...
Sources of Finance
Functions and Investment Policies of NBFIs in India
RBI Guidelines on NBFCs
Products offered by different NBFCs in India
Features of these Financial Products
Credit Ratings (Agencies in India)
This presentation is on Credit rating agencies in India. here I presents it's origin, importants, benefits, objectives, need and about different rating agencies.
Management of non performing assets
This document discusses management of non-performing assets (NPAs) in banks. It defines NPAs and categories them as substandard, doubtful or loss assets depending on the time period for which they have remained non-performing. It outlines provisioning norms for different asset categories. Factors contributing to rising NPAs and their impact on bank operations are examined. Current status of NPAs in public sector banks is reviewed along with various corrective measures taken by RBI like formation of joint lenders' forum and corrective action plans. Other measures discussed include compromise settlement schemes, Lok Adalats, BIFR, sale of NPAs to other banks and the SARFAESI Act.
Nbfc ppt
Non-Banking Financial Companies (NBFCs) are financial institutions that are registered under the Companies Act and provide banking services like loans and advances but cannot accept demand deposits. [1] NBFCs must be registered with the Reserve Bank of India (RBI) and are regulated by RBI guidelines regarding public deposits, capital adequacy ratios, liquidity requirements, and other operational conditions. [2] Major types of NBFCs include equipment leasing companies, loan companies, investment companies, and residuary non-banking companies. [3]
Wholesale banking
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Banking Operations
The document summarizes the history of banking in India from pre-independence to present times. It discusses how the Banking Companies Act of 1949 defined banking and banks. It then outlines the key stages in Indian banking history - pre-independence with the presidency banks, post-independence nationalization of banks in 1969 and 1980, introduction of private banks in 1990s, and ongoing reforms. The document also briefly discusses the role of RBI as the central bank and regulator and the current scenario of public, private, and foreign banks in India.
Call Money
Call Money
Notice Money
Definition of Call Money
Definition of Notice Money
FEATURES OF CALL MONEY
CALL MONEY MARKET
REASONS FOR EXISTENCE OF CALL MONEY
IMPACT OF CALL MONEY
Factoring
Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing.
There are three parties directly involved: the factor who purchases the receivable, the one who sells the receivable, and the debtor who has a financial liability that requires him or her to make a payment to the owner of the invoice.
There are various types of factoring:
Recourse, Non - recourse, maturity and cross - border factoring.
Government securities
Government securities are debt instruments issued by the government to raise funds. They include treasury bills and bonds. Government securities are considered low-risk as they are backed by the government's taxing power. They are issued to fund government expenditures and control the money supply. Types of government securities include dated securities, zero-coupon bonds, floating rate bonds, and bonds with call/put options. While government securities offer assured returns, their returns are generally lower than other securities and investors may lose value if interest rates rise.
Consumer credit
This document discusses features of credit cards and comparing sources of consumer credit. It outlines key factors to consider when analyzing credit cards, such as annual percentage rates, fees, rewards, and risks. A decision model can help consumers establish criteria to select the credit card best suited to their financial planning needs. Borrowers should also compare terms and conditions, like interest rates and fees, across various sources of consumer credit, including credit cards, banks, retailers, and risk-based lenders.
NON BANKING FINANCIAL COMPANIES
INTRODUCTION ON NBFC'S INTRODUCTION, IMPORTANCE, REGULATIONS ON NBFC'S CATEGORIZATION BY RBI TYPES OF NBFC'S AND BANKS TOP FIVE NBFCS'S IN INDIA
Credit rating ppt
This document discusses credit ratings and the credit rating agencies in India. It provides information on:
- What credit ratings are and how they estimate creditworthiness
- The four major credit rating agencies in India: CRISIL, ICRA, CARE, and FITCH India
- The regulation of credit rating agencies by SEBI and the requirements for registration
Credit management chapter no 2
This document outlines a presentation on credit management. It includes sections on concepts of credit, types of credit, credit instruments, advantages and disadvantages of credit, credit evaluation, monitoring and risk management. The document provides definitions of credit, discusses characteristics and classifications of credit, and outlines the role of credit in the economy. It also describes principles of sound lending, formulation of loan policies, and administration of credit.
Distinguish between Public Sector Banks & Private Sector Banks.
This presentation compares public sector banks and private sector banks in India. It defines banks and the two sectors. Public sector banks have majority government ownership while private sector banks have majority private ownership. The document shows that public sector banks hold the largest market share at 67.2% compared to 18.7% for private sector banks. It also compares the return on assets and equity between 2012-2013 and 2013-2014, showing that private sector banks achieved higher returns than public sector banks.
Ppt on-money-market-1
The document provides an overview of the money market. It defines the money market as the market for short-term, highly liquid debt instruments with maturities of one year or less, such as treasury bills, commercial paper, and certificates of deposit. These instruments are traded by phone between financial institutions, corporations, brokers, and dealers. The money market helps facilitate short-term borrowing and lending for participants. It consists of various sub-markets that collectively make up this important segment of the financial system.
Innovations in Banking - Recent Developments
The aim of the presentation is to provide information on innovation in banking services to satisfy variety of dimensional needs of the customers.
Regulatory framework for financial services in INDIA
Financial services refers to services provided by the finance market such as banking, insurance, and investment. Financial regulation subjects financial institutions to requirements and guidelines to maintain integrity in the financial system. It influences banking by increasing available financial products. NABARD was established in 1982 to oversee agricultural credit and rural development. Its roles include providing credit and refinancing to rural banks, identifying credit potential, monitoring credit plans, and inspecting regional rural banks to regulate the rural banking sector.
Bank marketing 1
The document discusses bank marketing in India. It begins with defining key terms like banks, the financial system, and the origins of the word "bank." It then discusses the evolution of marketing concepts in banking and how marketing helps banks achieve objectives. It also covers topics like market research, competition in banking, applying marketing concepts to banks, and the meaning of bank marketing. Finally, it provides examples of market research studies conducted by various Indian banks.
Banking terms
1. The document defines various banking terms like NEFT, linked accounts, travellers' cheques, base rate, balance transfer, banking ombudsman, cashback, credit history, collateral, documentation fees, dormant accounts, fixed and floating interest rates, MICR code, no-frills accounts, ECS, processing fees, RTGS, IFSC code, KYC, CASA ratio, capital adequacy ratio, and risk weighting.
2. Key terms include NEFT for electronic fund transfers, linked accounts for transferring funds between accounts, travellers' cheques functioning like cash when traveling, and base rate as the minimum lending rate for banks.
3. Other important terms are
Non-banking Finance Company(NBFCs)
Non-banking financial companies (NBFCs) are financial institutions that provide banking services without meeting the legal definition of a bank. This document provides an overview of NBFCs in India, including their history, regulations, types, and roles. It defines various types of NBFCs such as investment companies, equipment leasing companies, loan companies, and housing finance companies. It also discusses the historical committees that shaped NBFC regulations and compares NBFCs to banks.
Sebi ppt
This presentation is on Security Exchange Board (SEBI) which gives the brief about the SEBI with its objective, function, details about the chairman, rules
Maternitybenefitact1961
The Maternity Benefit Act, aims to regulate of employment of women employees in certain establishments for certain periods before and after child birth and provides for maternity and certain other benefits.
11 trade union act 1926
The Trade Union Act 1926 established the legal framework for trade unions in India. Some key points:
- It defined what constitutes a trade union and outlined the process for registration with the Registrar.
- Registered trade unions receive certain protections under law, such as exemptions from criminal conspiracy charges and protections from civil suits related to trade disputes.
- The Act specifies the required contents of trade union rules regarding governance, finances, membership requirements and more. It also covers rights of minors to join unions.
- Provisions address changing names, amalgamating unions, dissolving unions and related notification requirements to the Registrar.
More Related Content
What's hot
Credit Ratings (Agencies in India)
This presentation is on Credit rating agencies in India. here I presents it's origin, importants, benefits, objectives, need and about different rating agencies.
Management of non performing assets
This document discusses management of non-performing assets (NPAs) in banks. It defines NPAs and categories them as substandard, doubtful or loss assets depending on the time period for which they have remained non-performing. It outlines provisioning norms for different asset categories. Factors contributing to rising NPAs and their impact on bank operations are examined. Current status of NPAs in public sector banks is reviewed along with various corrective measures taken by RBI like formation of joint lenders' forum and corrective action plans. Other measures discussed include compromise settlement schemes, Lok Adalats, BIFR, sale of NPAs to other banks and the SARFAESI Act.
Nbfc ppt
Non-Banking Financial Companies (NBFCs) are financial institutions that are registered under the Companies Act and provide banking services like loans and advances but cannot accept demand deposits. [1] NBFCs must be registered with the Reserve Bank of India (RBI) and are regulated by RBI guidelines regarding public deposits, capital adequacy ratios, liquidity requirements, and other operational conditions. [2] Major types of NBFCs include equipment leasing companies, loan companies, investment companies, and residuary non-banking companies. [3]
Wholesale banking
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Banking Operations
The document summarizes the history of banking in India from pre-independence to present times. It discusses how the Banking Companies Act of 1949 defined banking and banks. It then outlines the key stages in Indian banking history - pre-independence with the presidency banks, post-independence nationalization of banks in 1969 and 1980, introduction of private banks in 1990s, and ongoing reforms. The document also briefly discusses the role of RBI as the central bank and regulator and the current scenario of public, private, and foreign banks in India.
Call Money
Call Money
Notice Money
Definition of Call Money
Definition of Notice Money
FEATURES OF CALL MONEY
CALL MONEY MARKET
REASONS FOR EXISTENCE OF CALL MONEY
IMPACT OF CALL MONEY
Factoring
Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing.
There are three parties directly involved: the factor who purchases the receivable, the one who sells the receivable, and the debtor who has a financial liability that requires him or her to make a payment to the owner of the invoice.
There are various types of factoring:
Recourse, Non - recourse, maturity and cross - border factoring.
Government securities
Government securities are debt instruments issued by the government to raise funds. They include treasury bills and bonds. Government securities are considered low-risk as they are backed by the government's taxing power. They are issued to fund government expenditures and control the money supply. Types of government securities include dated securities, zero-coupon bonds, floating rate bonds, and bonds with call/put options. While government securities offer assured returns, their returns are generally lower than other securities and investors may lose value if interest rates rise.
Consumer credit
This document discusses features of credit cards and comparing sources of consumer credit. It outlines key factors to consider when analyzing credit cards, such as annual percentage rates, fees, rewards, and risks. A decision model can help consumers establish criteria to select the credit card best suited to their financial planning needs. Borrowers should also compare terms and conditions, like interest rates and fees, across various sources of consumer credit, including credit cards, banks, retailers, and risk-based lenders.
NON BANKING FINANCIAL COMPANIES
INTRODUCTION ON NBFC'S INTRODUCTION, IMPORTANCE, REGULATIONS ON NBFC'S CATEGORIZATION BY RBI TYPES OF NBFC'S AND BANKS TOP FIVE NBFCS'S IN INDIA
Credit rating ppt
This document discusses credit ratings and the credit rating agencies in India. It provides information on:
- What credit ratings are and how they estimate creditworthiness
- The four major credit rating agencies in India: CRISIL, ICRA, CARE, and FITCH India
- The regulation of credit rating agencies by SEBI and the requirements for registration
Credit management chapter no 2
This document outlines a presentation on credit management. It includes sections on concepts of credit, types of credit, credit instruments, advantages and disadvantages of credit, credit evaluation, monitoring and risk management. The document provides definitions of credit, discusses characteristics and classifications of credit, and outlines the role of credit in the economy. It also describes principles of sound lending, formulation of loan policies, and administration of credit.
Distinguish between Public Sector Banks & Private Sector Banks.
This presentation compares public sector banks and private sector banks in India. It defines banks and the two sectors. Public sector banks have majority government ownership while private sector banks have majority private ownership. The document shows that public sector banks hold the largest market share at 67.2% compared to 18.7% for private sector banks. It also compares the return on assets and equity between 2012-2013 and 2013-2014, showing that private sector banks achieved higher returns than public sector banks.
Ppt on-money-market-1
The document provides an overview of the money market. It defines the money market as the market for short-term, highly liquid debt instruments with maturities of one year or less, such as treasury bills, commercial paper, and certificates of deposit. These instruments are traded by phone between financial institutions, corporations, brokers, and dealers. The money market helps facilitate short-term borrowing and lending for participants. It consists of various sub-markets that collectively make up this important segment of the financial system.
Innovations in Banking - Recent Developments
The aim of the presentation is to provide information on innovation in banking services to satisfy variety of dimensional needs of the customers.
Regulatory framework for financial services in INDIA
Financial services refers to services provided by the finance market such as banking, insurance, and investment. Financial regulation subjects financial institutions to requirements and guidelines to maintain integrity in the financial system. It influences banking by increasing available financial products. NABARD was established in 1982 to oversee agricultural credit and rural development. Its roles include providing credit and refinancing to rural banks, identifying credit potential, monitoring credit plans, and inspecting regional rural banks to regulate the rural banking sector.
Bank marketing 1
The document discusses bank marketing in India. It begins with defining key terms like banks, the financial system, and the origins of the word "bank." It then discusses the evolution of marketing concepts in banking and how marketing helps banks achieve objectives. It also covers topics like market research, competition in banking, applying marketing concepts to banks, and the meaning of bank marketing. Finally, it provides examples of market research studies conducted by various Indian banks.
Banking terms
1. The document defines various banking terms like NEFT, linked accounts, travellers' cheques, base rate, balance transfer, banking ombudsman, cashback, credit history, collateral, documentation fees, dormant accounts, fixed and floating interest rates, MICR code, no-frills accounts, ECS, processing fees, RTGS, IFSC code, KYC, CASA ratio, capital adequacy ratio, and risk weighting.
2. Key terms include NEFT for electronic fund transfers, linked accounts for transferring funds between accounts, travellers' cheques functioning like cash when traveling, and base rate as the minimum lending rate for banks.
3. Other important terms are
Non-banking Finance Company(NBFCs)
Non-banking financial companies (NBFCs) are financial institutions that provide banking services without meeting the legal definition of a bank. This document provides an overview of NBFCs in India, including their history, regulations, types, and roles. It defines various types of NBFCs such as investment companies, equipment leasing companies, loan companies, and housing finance companies. It also discusses the historical committees that shaped NBFC regulations and compares NBFCs to banks.
Sebi ppt
This presentation is on Security Exchange Board (SEBI) which gives the brief about the SEBI with its objective, function, details about the chairman, rules
What's hot (20)
Distinguish between Public Sector Banks & Private Sector Banks.
Distinguish between Public Sector Banks & Private Sector Banks.
Regulatory framework for financial services in INDIA
Regulatory framework for financial services in INDIA
Viewers also liked
Maternitybenefitact1961
The Maternity Benefit Act, aims to regulate of employment of women employees in certain establishments for certain periods before and after child birth and provides for maternity and certain other benefits.
11 trade union act 1926
The Trade Union Act 1926 established the legal framework for trade unions in India. Some key points:
- It defined what constitutes a trade union and outlined the process for registration with the Registrar.
- Registered trade unions receive certain protections under law, such as exemptions from criminal conspiracy charges and protections from civil suits related to trade disputes.
- The Act specifies the required contents of trade union rules regarding governance, finances, membership requirements and more. It also covers rights of minors to join unions.
- Provisions address changing names, amalgamating unions, dissolving unions and related notification requirements to the Registrar.
Industrial Dispute Act, 1947 {HR}
FellowBuddy.com is an innovative platform that brings students together to share notes, exam papers, study guides, project reports and presentation for upcoming exams.
We connect Students who have an understanding of course material with Students who need help.
Benefits:-
# Students can catch up on notes they missed because of an absence.
# Underachievers can find peer developed notes that break down lecture and study material in a way that they can understand
# Students can earn better grades, save time and study effectively
Our Vision & Mission – Simplifying Students Life
Our Belief – “The great breakthrough in your life comes when you realize it, that you can learn anything you need to learn; to accomplish any goal that you have set for yourself. This means there are no limits on what you can be, have or do.”
Like Us - https://www.facebook.com/FellowBuddycom
Trade Union Act 1926
This document provides an overview of the Trade Union Act of 1926 in India. It discusses key aspects of the act such as:
1. The objective of the act was to provide trade unions and their members protection from certain civil and criminal liabilities and to control expenditures of union funds for specified purposes.
2. It defines what constitutes a trade union and a trade dispute. It also outlines the process for registration of trade unions, requirements for trade union rules, and powers of the registrar.
3. The act established trade unions as corporate bodies with perpetual succession, the ability to own property, enter contracts, and sue or be sued. It has since undergone several amendments to expand protections for unions.
Indian Penal Code in India
The document discusses key concepts in Indian criminal law under the Indian Penal Code, including:
1) Mens rea, intention, knowledge and negligence which are essential elements of crimes.
2) Common intention and conspiracy where multiple persons can be liable for offenses committed jointly.
3) Burden of proof lies with the prosecution to prove guilt, and mens rea is typically required unless a statute specifies otherwise.
4) Other topics covered include principles of penal law, definitions of terms, and cases related to interpretation of criminal provisions.
Industrial Dispute Act 1947
The document provides an overview of key definitions and concepts from the Industrial Disputes Act 1947 in India. It begins by giving context for the act, noting it replaced previous legislation and was passed to help settle industrial disputes. Several sections then define important terms related to industrial relations like "industrial dispute", "wages", "lay off", "lockout" and "retrenchment". Case laws are also referenced to further explain interpretations of these terms by courts. The objective is to help regulate labor-management relations and resolve conflicts in a peaceful manner.
Payment of Bonus act
The Payment of Bonus Act, 1965 provides for the payment of bonus to employees in establishments with 20 or more employees based on profits. It applies to factories and other establishments and covers employees earning up to Rs. 10,000 per month who have worked for at least 30 days. The act specifies minimum and maximum bonus amounts as a percentage of salaries and carries forward surplus amounts across years for set-on or set-off.
The Industrial Disputes Act, 1947
The document discusses the Industrial Dispute Act of 1947 in India, which aims to prevent and settle disputes between employers and employees. It establishes mechanisms like conciliation officers, boards, and labour courts to resolve industrial disputes. The act also covers topics like notices of change, references of disputes to resolution bodies, voluntary arbitration agreements, and procedures for conciliation and dispute resolution.
Constitution of india 2003
The document provides information on the key aspects of the Indian constitution including its definition, historical background, objectives, preamble, fundamental rights and duties, amendments, schedules, and administrative system. It notes that the constitution defines the machinery of government and relations between different institutions. It was developed by the Constituent Assembly over 2 years based on recommendations from the Cabinet Mission. The objectives include establishing India as a sovereign democratic republic and guaranteeing fundamental rights and justice.
Constitution of india : some basic questions
The document provides a summary of 22 questions related to the Constitution of India. It discusses key topics like fundamental rights vs directive principles, the basic structure doctrine, emergency provisions, distribution of legislative powers between the centre and states, judicial review and writ jurisdiction. The questions cover topics like the number of lists in the Constitution, tax powers, citizenship rights, amendments and the roles of different courts.
Maternity benefit act 1961 presentation by jac v.1 240714-
The document summarizes the Maternity Benefit Act 1961 in India. It defines key terms, outlines the types of establishments it applies to, and describes the rights and protections for women employees during pregnancy and after delivery. These include a prohibition on employment for 6 weeks before and after delivery, entitlement to paid maternity leave, and protections against dismissal during pregnancy or leave.
Payment of gratuity act, 1972 ppt
1. The document discusses the key aspects of the Payment of Gratuity Act including who is eligible for gratuity, how gratuity is calculated, procedures for applying and paying gratuity, disputes resolution process, and penalties for non-compliance.
2. Key points include that gratuity is payable to employees after 5 years of continuous service and is calculated as 15 days salary for each completed year of service. The employer must determine and pay gratuity within 30 days of it becoming due and pay interest for delayed payments.
3. The dispute resolution process involves depositing disputed amounts with the controlling authority and appeals can be made within specified timelines. Non-payment of gratuity can attract penalties like imprisonment or
INDIAN CIVIL PROCEDURE CODE
This document provides an overview of civil procedure in India according to the Code of Civil Procedure 1908. It outlines the different types of civil courts and their jurisdiction based on claim amounts. It also describes the different types of processes issued by courts, such as summons, warrants, and notices. It discusses injunctions, stay orders, and writs that can be issued. It notes requirements for filing suits against the government and allows for second appeals in cases with substantial legal questions. Key terms like judgment and decree are also defined. Caveats filed in anticipation of orders are also summarized.
The Payment of Gratuity Act, 1972
The Payment of Gratuity Act, 1972 provides for a mandatory gratuity payment by employers to their employees at the time of their retirement or resignation after a minimum of 5 years of continuous service. The Act applies to shops, establishments, factories and other organizations employing 10 or more persons. It requires employers to determine gratuity amounts payable and make payments within 30 days. In case of disputes, the controlling authority determines the gratuity amount after providing an opportunity to both parties. Employers who fail to comply with the provisions of the Act may be punished with imprisonment and fines.
minimum wages act 1948
The Minimum Wages Act 1948 was passed to protect unorganized workers in certain industries by setting minimum wage rates. The appropriate government is empowered to fix minimum wages for scheduled employments where exploitation of labor is prevalent. Minimum wages include a basic rate with or without a cost of living allowance, or a basic rate with concessions for essential commodities. Employers must pay wages in cash but may provide essential commodities at concessional rates. Employers cannot make deductions from wages except as allowed by rules and are required to maintain registers and records of wages paid.
The payment of wages act, 1936.
This was part of a Performance Management Session, and would provide an insight on the rights of employees.
Payment of bonus act 1965
The document discusses the Payment of Bonus Act 1965 in India. It provides definitions of key terms like bonus and outlines the aims, applicability, eligibility criteria, minimum and maximum bonus amounts under the Act. It also covers the methods to calculate statutory bonus and available surplus, as well as employers' obligations around payment timelines, registers, returns and penalties for non-compliance. The document answers several questions around entitlement of different employee types and closes with conclusions and bibliography.
The industrial dispute act 1947
The Industrial Disputes Act 1947 was enacted to promote measures for securing and preserving amity between employees and employers. It provides for an investigation and settlement of industrial disputes. The key objectives are prevention of illegal strikes and lockouts, relief for workmen during layoffs/retrenchment, and promotion of collective bargaining. The Act establishes various authorities for conciliation, inquiry and adjudication of industrial disputes like Works Committees, Conciliation Officers, Boards of Conciliation, Courts of Inquiry, Labour Courts, and Tribunals. It also defines terms like appropriate government, average pay, employer, industry and industrial dispute. The Act regulates strikes and lockouts and defines unfair labour practices.
Minimum wages act 1948
The Minimum Wages Act of 1948 was passed to protect unorganized workers in certain industries by establishing minimum wage rates. The Act aims to ensure wages are enough not just for a worker's subsistence but to maintain their work efficiency. It empowers the appropriate government to fix minimum wages for scheduled employments where exploitation is common. Key objectives include preventing exploitation, empowering governments to set and revise wages regularly, and applying the law widely in organized sectors. The Act outlines procedures for fixing and revising wages every five years and establishes advisory boards. It regulates payment and overtime wages, and penalties are prescribed for paying less than minimum wage.
Payment of Gratuity Act, 1972
What is gratuity and what is tax treatment of gratuity.
To calculate gratuity tax treatment in advance use: https://tax2win.in/tax-tools/gratuity-calculator
to know more about gratuity: https://blog.tax2win.in/need-know-gratuity/
Viewers also liked (20)
Maternity benefit act 1961 presentation by jac v.1 240714-
Maternity benefit act 1961 presentation by jac v.1 240714-
Similar to Debuntures and term loans
Forms of lending
The document discusses various forms of lending provided by banks. It describes cash finance/cash credit, overdrafts, loans, purchase and discounting of bills, and hire-purchase/leasing finance. Cash finance allows borrowing up to a limit as needed, while overdrafts provide temporary adjustments. Loans involve lump sums paid for a period at interest. Purchase and discounting of bills advances money by deducting discount from bill values. Hire-purchase/leasing finance allows purchasing goods through installments. The principles of lending like safety, liquidity, security and diversification of risk are also outlined.
Debentures Bonds and Term Loans
This document provides information about term loans. It defines term loans as monetary loans that are repaid in regular installments over a set period of time. It discusses the purposes of term loans including capital expenditure, new industrial undertakings, and acquisition of assets. It also outlines the procedures for term loans including application submission and processing, project appraisal, sanction letter, loan agreement execution, and disbursement. Different types of term loans like short, intermediate, and long term are described. Key features of term loans like interest payment schedules, security requirements, and covenants are summarized. Finally, an example repayment schedule for a term loan is shown.
Long term funds
This document lists long term funding sources including debentures and term loans. It provides details on 10 individuals who have been provided debentures. It then provides an in depth explanation of debentures including their purpose, features, types, redemption options, advantages and disadvantages. Term loans are also discussed including their key features, specialized institutions that provide them, procedures for application, and advantages and disadvantages.
Loans and types
This document provides an overview and definitions of various types of loans. It discusses secured and unsecured loans, open-ended and closed-ended loans, and specific loan types like term loans, personal loans, home loans, vehicle loans, student loans, and business loans. Key aspects like collateral, interest rates, repayment terms, and the 4 C's of credit (character, capital, collateral, and capacity) that lenders consider are explained.
Fixed deposit and it's pros & cons
Fixed deposit is a financial instrument where a sum of money is deposited with a bank or financial institution for a fixed period of time. In return, the depositor is paid a specified interest rate. Some pros of fixed deposits include high interest rates compared to savings accounts, safety of deposited funds if choosing a reputable institution, and lower risk than investing in stocks. However, fixed deposits also have cons like no protection against inflation, inability to withdraw funds before maturity, taxability of interest income, and risk of not being paid back in case of a financial crisis of the institution. Overall, both pros and cons must be considered based on personal factors and requirements when making savings and investment choices.
Financing source decisions
This document discusses different financing options and questions to consider when seeking financing. It covers short and long term financing methods. For long term financing, domestic sources include debt through securities and loans, as well as equity through share capital and retained earnings. Lenders will consider the loan size relative to assets, management quality, and ability to liquidate assets. Specific long term debt options are then outlined, including debentures, term loans, and new instruments like zero-coupon bonds. Key factors for term loans are repaying from long-term cash flow and profitability projections.
CREDIT AND COLLECTION.pptx
This document discusses credit and credit management. It begins by defining credit as a trust that allows one party to provide resources to another who will repay later. It then outlines the importance of credit in facilitating business financing and economic growth. The document also defines various types of credit like cash credit, overdrafts, demand loans and term loans. It describes credit instruments like checks, drafts, promissory notes and bonds. The advantages of credit are noted as increasing consumption, savings and capital formation. Potential disadvantages include encouraging wasteful spending and economic instability.
Loans and it's types
The document discusses different types of loans including secured loans, unsecured loans, open-ended loans, closed-ended loans, personal loans, home loans, vehicle loans, education loans, and more. It explains the key characteristics of each loan type such as whether collateral is required, repayment terms, typical uses, and interest rates. The 4 C's of credit for loans are also summarized as character, capacity, capital, and collateral, which are the main factors lenders consider when approving a loan.
Capital marketing
This document discusses various investment avenues in India categorized as short-term and long-term options. It provides details on savings bank accounts, money market funds, bank fixed deposits, post office savings, public provident fund, company fixed deposits, bonds, debentures, mutual funds and equity shares. Bank deposits offer safety of capital, guaranteed returns but lower returns compared to other long-term options like mutual funds and equity shares which provide higher returns but also involve greater risk. Overall the document analyzes features, benefits, risks and differences between various investment instruments available to Indian investors.
Inter corporate deposits
Kingfisher Airlines owes Rs 260 crore to Airports Authority of India for airport infrastructure usage. KFA will pay through an inter-corporate deposit from UB Group. [ICDs are short-term loans between corporations, often at higher interest rates than banks due to risk. They lack collateral but help cash-strapped firms access funds.] Kingfisher will receive an ICD from UB Group to pay its debt to AAI. ICDs are an unsecured source of short-term funds for companies in need, bearing higher interest than bank loans. They are an alternative to bank loans, especially for less creditworthy companies. However, their reliance on corporate relationships limits their availability compared to formal bank financing.
Loans, Marketing, Strategy And Many More
The document discusses various types of loans including secured loans, unsecured loans, open-ended loans, closed-ended loans, and specific loan types like personal loans, home loans, vehicle loans, student loans, business loans, and payday loans. It explains key loan concepts like the 4 C's of credit (character, capital, capacity, collateral) that lenders examine when determining eligibility. Secured loans rely on an asset as collateral while unsecured loans do not, and interest rates are typically higher for unsecured loans due to greater risk.
Loan
The document discusses various types of loans including secured loans, unsecured loans, open-ended loans, closed-ended loans, and more specific loans like personal loans, home loans, vehicle loans, student loans, business loans, and payday loans. It explains the key characteristics of each type of loan such as whether they require collateral, have fixed repayment terms, or can be repeatedly borrowed against. The 4 C's of lending are also summarized as the main criteria lenders evaluate which are the borrower's character, capacity to repay, capital or collateral, and the conditions of the loan.
Introduction to Debt Financing
The document introduces various types of debt financing available to small businesses, including loans, bonds, and convertible debentures. It explains how debt financing works, the differences between debt and equity financing, factors considered in debt financing eligibility like credit ratings and collateral, and tips for applying for debt financing like comparing interest rates and checking prepayment terms. The document is published by LoanXpress, a company that provides corporate financing services.
Sources of finance and advice
This presentation discusses sources of finance and advice available to support new and existing small businesses. It will help attendees understand the difference between internal and external financing, identify short, medium, and long-term financing options, and recognize agencies that provide business support and advice. Various financing sources are explained, including debt factoring, bank loans, overdrafts, mortgages, additional capital from owners, grants, retained profits, and trade credit. Both advantages and disadvantages are outlined for each option.
Debentures- Types, Advantages and Disadvantages
The document discusses debentures, which are a type of loan that companies issue to investors. It defines debentures as coming from the Latin word for "to borrow or loan." Some key advantages of debentures for companies are that they provide fixed income for investors while not diluting equity control, and interest payments are tax deductible. However, debentures also permanently burden company earnings. The document outlines different types of debentures, including secured vs unsecured, registered vs bearer, convertible vs non-convertible, first vs second, and redeemable vs irredeemable debentures.
John convery of west palm beach a financial professional
John Convery is an experienced financial professional in West Palm Beach, Florida. He was born in Point Pleasant, New Jersey and spent part of his childhood in Germany. He attended East Stroudsburg University and graduated in 1984 with a Bachelor of Arts. He then used his education to build a career for himself. He started working in finance and specialized in retirement planning. He established The Educated Wealth Center in 1985 and focused on helping his clients with all of their retirement preparation needs. He has thirty years of experience in the financial industry, and is a regular contributor to radio programs and news sites.
Principle & Forms of Lending (USAMA 224).pptx
The document discusses various principles and forms of lending by banks. It explains that bank lending involves granting credit to borrowers at interest, based on collateral security to be repaid later. The key principles of sound lending are safety, liquidity, dispersal, security, and remuneration. The main forms of lending discussed are cash finance, overdrafts, loans, purchase and discounting of bills, and hire-purchase and leasing finance.
2022 Venture Debt Guide from OpenView
A common problem facing startup founders is how to adequately fund their businesses from inception through profitability.
Many rely on equity raises to climb up the J-curve, but the dilution that results is often a hefty price to pay. Fortunately, that isn’t the only option.
Venture debt is a potentially attractive alternative that founders tend to under-utilize. Whether you’re looking for a source of growth capital with minimal dilution, a way to extend your runway between equity financings, or both, venture debt is an important component of the capital structure for many venture-backed startups.
What’s best is that you don’t need to be an expert in debt financing to make venture debt work for your business. What you do need to understand, however, is how and when to access the venture debt markets.
Read more here: https://openviewpartners.com/blog
Different loans subscribed by the consumers.
Credit cards allow users to make purchases without paying upfront by borrowing credit from financial institutions. While credit cards provide convenience, this comes at the cost of interest if balances aren't paid off in full each month. Loans are amounts of money borrowed that are expected to be paid back with interest over time. There are various types of loans like secured loans that use collateral and have lower rates, and unsecured loans that rely on credit history. The 4 C's model evaluates a borrower's character, capacity to repay, capital assets, and collateral pledged to determine loan eligibility.
Pros and Cons of Interest-Only DSCR Loans
Interest-only Debt Service Coverage Ratio (DSCR) loans offer both advantages and drawbacks for borrowers. Pros include lower initial payments, freeing up cash flow for other investments, and potentially higher borrowing capacity. However, cons include the risk of larger payments after the interest-only period ends, leading to financial strain if the property's income doesn't increase sufficiently. Balancing these factors is crucial for borrowers considering interest-only DSCR loans.
For more information visit: https://parkplacefinance.com/your-next-best-investment-solution-the-pros-and-cons-of-interest-only-dscr-loans/
Similar to Debuntures and term loans (20)
John convery of west palm beach a financial professional
John convery of west palm beach a financial professional
Debuntures and term loans
- 2. Group members NAZNEENKHAN PRADEEP R PREETHI RAMESH PRIYANKA VENKATESH
- 3. The Flow Of Presentation MEANING OF DEBENTURES FEATURES OF DEBENTURES ADVANTAGES AND DISADVANTAGES OF DEBENTURES TYPES OF DEBENTURES MEANING OF TERM LOANS FEATURES OF TERM LOANS ADVANTAGES AND DISADVANTAGES OF TERM LOANS TYPES OF TERM LOANS
- 4. Companies can Raise Finance by a Number of Methods. Debenture
- 5. Different Ways for Issuing of Debenture Issue of Debenture at Par Issue of Debenture at Discount Issue of Debenture at Premium Issue of Debenture as Collateral Issue of Debenture for Consideration Other than Cash
- 6. In case company decides to issue debentures it will collect the amount in this way 1 Application 2 On allotment 3 On first and final call
- 8. FEATURES ★ Date of Maturity ★ Charge on Assets and Profits in case of Default ★ Convertibility ★ No voting rights ★ Fixed rate of interest ★ Control
- 9. Kinds of debentures Issue of Debenture as Collateral
- 10. ADVANTAGES OF DEBENTURE ISSUE ★ It enables a company to raise funds for a specific period. ★ No dilution of control as debenture holders don’t possess voting rights. ★ Debenture (debt) enables the company to Trade on equity. It can pay dividend to equity shareholders at a rate higher than overall ROI. ★ Debenture holders entitled to a fixed rate of interest. E.g: 10% debenture ★ They enjoy priority over other unsecured creditors with respect to debt repayment. ★ Suitable for conservative investors who seek steady ROI with little or no risk. ★ Interest on debentures is treated as expense and is tax deductible. ★ Debenture holders are regarded as creditors of the company and they receive preference over equity shareholders and preference share holders. ★ Opting for debentures over the equity as a source of finance saves the profit shares of existing shareholders. Debenture holders do not share profits of the company. They are liable to receive the agreed amount of interest only.
- 11. DISADVANTAGES/DEMERITS OF DEBENTURE ISSUE ★They have a fixed maturity; hence provision has to be made for repayment. ★There is a limit to which funds can be raised through debentures. ★It is risky if the company fails to pay interest or principal installment on time, as debenture holders can file petition for winding up the company. ★It is not suitable for a company with fluctuating earnings as it may also lead to fluctuations in payment of dividend payable to equity shareholders. ★With more risk, you get more return. Debentures being secure investments, returns are less. ★Like ordinary shares, debenture holders will not be regarded as owners of the company and have no voting rights. ★Debenture financing enhances the financial risk. ★Debentures are a secured source of raising the long term requirements of funds and usually the security offered to the investors is the fixed assets of the company. ★Common people cannot buy debenture as they are of high denominations.
- 12. TERM LOANS A loan is the purchase of the present use of money with the promise to repay the amount in the future according to a pre-arranged schedule and at a specified rate of interest. A monetary loan that has to be repaid in regular payments over a set period of time is referred to as a term loan.
- 13. CHARACTERISTICS OF TERM LOANS ★Time to maturity. ★Repayment Schedule. ★Interest. ★Security.
- 14. TYPES OF TERM LOAN ★ Long-term ★ Intermediate term loan ★ Short-term loans
- 15. ADVANTAGES OF TERM LOAN ★Do not usually require collateral. ★Allow quick application that makes the funds available in several days or even hours. ★Require little paperwork ★Provide you with money when you feel a sudden unexpected need ★With short term loans you do not burden yourself with long term obligations ★Short term loans are available from various lenders that's why it's possible to find short term loans that fit your budget and lenders that offer you better conditions
- 16. DISADVANTAGES OF TERM LOANS ★Usually more expansive. ★Not secured by collateral the lender raises interest rates to cover the risk. ★Before giving you short term loans the lender is likely to investigate into your credit history and if it is excellent you will be offered short term loans with lower interest rates
- 17. In terms of RBI guidelines, Banks in India have switched to Base Rate system from Benchmark Prime Lending Rate (BPLR) system from July 01, 2010. PUBLIC SECTOR BANKS State Bank of India 7.50% Federal Bank 7.75% State Bank of Mysore 7.75% Corporation Bank 7.75% Bank of India 8.00% Punjab National Bank 8.00% Bank of Baroda 8.00% Union Bank 8.00% Central Bank of India 8.00% Indian Bank 8.00% Uco Bank 8.00% IDBI Bank 8.00% Indian Bank 8.00% Canara Bank 8.00% Vijaya Bank 8.25% Indian Overseas Bank 8.25%
- 18. PRIVATE SECTOR BANKS HDFC Bank 7.25% ICICI Bank 7.50% DCB 7.75% Dhanlaxmi Bank 7.00% Bank of Rajasthan 8.00% Karur Vysya Bank 8.50%