This document provides information about an assignment drive program for various MBA courses and specializations. It includes the subject code and name, course ID, credits, and marks for the assignment on banking related laws and practice. It then presents 6 questions related to this topic, including explanations of concepts like CRR, SLR, types of guarantees, differences between lien and set-off, comparisons of proceedings before DRT and civil courts, arbitration under the banking ombudsman scheme, and applicability of the Securitization Act to cooperative banks. Students are instructed to email or call for help with getting fully solved assignments.
Vehicle loans are given for both used as well as own vehicles. However, if the loan is being taken for used vehicle then it is mandatory that it is not more than five years old. Although some banks provide 100% finance, however financing 80% of the vehicle value is usually the norm. The main security for this type of loan is the vehicle itself. However, getting the vehicles fully insured is the most important factor that banks consider before giving vehicle loans.
Vehicle loans are given for both used as well as own vehicles. However, if the loan is being taken for used vehicle then it is mandatory that it is not more than five years old. Although some banks provide 100% finance, however financing 80% of the vehicle value is usually the norm. The main security for this type of loan is the vehicle itself. However, getting the vehicles fully insured is the most important factor that banks consider before giving vehicle loans.
Standby Letter of Credit (SBLC) is a guarantee of payment issued by the importer’s bank, in favor of the exporter, for an amount agreed at the signing of the commercial contract. It provides a guarantee to the exporter that, if due to any circumstances, the importer is unable to pay, then the bank will make the payment.
Below is a Standby Letter of Credit (SBLC) Factsheet You Need To Know!
https://grandcityinvestment.com/standby-letter-of-credit-factsheet/
Email: apply@grandcityinvestment.com
Website: https://grandcityinvestment.com
Fixed deposit (FD) is a type of deposit which can be withdrawn only after a pre-defined tenure and attracts a higher interest rate when compared to savings account. The minimum period for placing these deposit is 7 days while the maximum period is 120 months. A recent study indicates that banks are now free to determine the rate of interest to be offered on FDs. Banks may offer deposits on a floating rate, interest shall be paid on quarterly or longer rests and interest is calculated on daily balance. Further, scheduled banks with a total deposit of less than Rs 25 crores are permitted to give an additional ½% interest. When the amount paid to the individual is in excess of Rs 10,000 bank has to deduct tax at source if the depositor has not submitted Form 15H or 15G or certificate u/s197(1) of the Income Tax Act 1961. Banks have the discretion to disallow premature withdrawal of large deposits other than individuals and Hindu Undivided Family (HUF). On maturity if the bank does not receive any intimation from the depositor then such deposits are recorded as overdue deposits in the books of the bank. Banks can grant loans by taking FD as a security. However, there are certain prohibitions to raising Fixed Deposits: banks cannot launch deposits with freebies such as free lunch and trips, for example.
Consumer durable loans are loans given for buying television, microwave, food processors, washing machines among others.
The quantum of loan advanced may vary from Rs 5,000 to Rs 1,00,000. Normally 90% of the value is advanced and the repayment period is between 12 months to 36 months. Although this type of loan is largely unsecured but some of the equipments like computers, refrigerators and music system is hypothecated. Nationalised banks charge lesser rate of interest than the other banks
Banks accept deposits so that they can provide for loans. Accepting deposits is therefore treated as the backbone of the banking system. There are different types of deposits such as demand deposits and fixed deposits. Demand deposits are further categorized into current account, saving account and call deposit. Demand deposits are primarily deposits that the customer can withdraw at will. Fixed Deposits on the contrary come for a fixed period. It cannot be withdrawn before the date of maturity. The other forms of Fixed Deposits are re-investment, annuity and recurring.
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Pm0015 – quantitative methods in projectsmumbahelp
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Standby Letter of Credit (SBLC) is a guarantee of payment issued by the importer’s bank, in favor of the exporter, for an amount agreed at the signing of the commercial contract. It provides a guarantee to the exporter that, if due to any circumstances, the importer is unable to pay, then the bank will make the payment.
Below is a Standby Letter of Credit (SBLC) Factsheet You Need To Know!
https://grandcityinvestment.com/standby-letter-of-credit-factsheet/
Email: apply@grandcityinvestment.com
Website: https://grandcityinvestment.com
Fixed deposit (FD) is a type of deposit which can be withdrawn only after a pre-defined tenure and attracts a higher interest rate when compared to savings account. The minimum period for placing these deposit is 7 days while the maximum period is 120 months. A recent study indicates that banks are now free to determine the rate of interest to be offered on FDs. Banks may offer deposits on a floating rate, interest shall be paid on quarterly or longer rests and interest is calculated on daily balance. Further, scheduled banks with a total deposit of less than Rs 25 crores are permitted to give an additional ½% interest. When the amount paid to the individual is in excess of Rs 10,000 bank has to deduct tax at source if the depositor has not submitted Form 15H or 15G or certificate u/s197(1) of the Income Tax Act 1961. Banks have the discretion to disallow premature withdrawal of large deposits other than individuals and Hindu Undivided Family (HUF). On maturity if the bank does not receive any intimation from the depositor then such deposits are recorded as overdue deposits in the books of the bank. Banks can grant loans by taking FD as a security. However, there are certain prohibitions to raising Fixed Deposits: banks cannot launch deposits with freebies such as free lunch and trips, for example.
Consumer durable loans are loans given for buying television, microwave, food processors, washing machines among others.
The quantum of loan advanced may vary from Rs 5,000 to Rs 1,00,000. Normally 90% of the value is advanced and the repayment period is between 12 months to 36 months. Although this type of loan is largely unsecured but some of the equipments like computers, refrigerators and music system is hypothecated. Nationalised banks charge lesser rate of interest than the other banks
Banks accept deposits so that they can provide for loans. Accepting deposits is therefore treated as the backbone of the banking system. There are different types of deposits such as demand deposits and fixed deposits. Demand deposits are further categorized into current account, saving account and call deposit. Demand deposits are primarily deposits that the customer can withdraw at will. Fixed Deposits on the contrary come for a fixed period. It cannot be withdrawn before the date of maturity. The other forms of Fixed Deposits are re-investment, annuity and recurring.
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
“ help.mbaassignments@gmail.com ”
or
Call us at : 08263069601
(Prefer mailing. Call in emergency )
Pm0015 – quantitative methods in projectsmumbahelp
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
“ help.mbaassignments@gmail.com ”
or
Call us at : 08263069601
(Prefer mailing. Call in emergency )
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
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or
call us at : 08263069601
Loans and Advances
Principles of Good lending
Creditworthiness of borrowers
Securing advances
Lien
Pledge
Mortgage
Hypothecation
Documents of title to goods
Life Insurance Policy
Fixed Deposit Receipts
Mutual Funds
Government Securities
Gold Loans
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Ma0037 banking related laws and practicessmumbahelp
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Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
“ help.mbaassignments@gmail.com ”
or
Call us at : 08263069601
(Prefer mailing. Call in emergency )
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
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Call us at : 08263069601
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A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
SEBI - Consultation paper on review of the regulatory framework for debenture...Venkatesh Prabhu
To secure the interests of debenture holders of listed debt issues, Sebi Wednesday proposed a slew of measures to strengthen the regulatory framework for debenture trustees, including raising minimum net worth requirement for registration of such entities to Rs 10 crore from the current Rs 2 crore.
The DT can directly enforce the security without obtaining any consent from the debenture holders.
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ASSIGNMENT
DRIVE
PROGRAM
SUBJECT CODE & NAME
BK ID
CREDITS
MARKS
WINTER 2013
MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3)
PGDBMN (SEM 1)
MA0037 - BANKING RELATED LAWS AND PRACTICE
B1618
4
60
Note: Answer all questions. Kindly note that answers for 10 marks questions should be
approximately of 400 words. Each question is followed by evaluation scheme.
Q.1 Explain CRR, SLR, interest rate, Repo rate and Reverse repo rate in banking terms.
Ans: CRR :
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 CRR to drain out excessive money from the system. Scheduled banks are required to
maintain with the RBI an average cash balance, the amount of which shall not be less than 4% of the
total of the Net Demand and Time Liabilities (NDTL), on a fortnightly basis. The amount specified as
the CRR is held in cash and cash equivalents, is stored in bank vaults or parked with the Reserve Bank
of India.
Q.2 Discuss whether banks are authorised to deal in foreign exchange can issue guarantee on
behalf of person resident outside India for foreign direct investment transactions in India.
Ans : Explain Guarantee :
A guarantee from a lending institution ensuring that the liabilities of a debtor will be met. In other
words, if the debtor fails to settle a debt, the bank will cover it. A bank guarantee enables the
customer (debtor) to acquire goods, buy equipment, or draw down loans, and thereby expand
business activity. types of guarantees:
2. A payment guarantee is used to guarantee the
Q.3 Compare and contrast lien and set-off.
Ans : Lien : A lien is the right of a creditor in possession of goods, securities or any other assets
belonging to the debtor to retain them until the debt is repaid, provided that there is no contract
express or implied, to the contrary. It is a right to retain possession of specific goods or securities or
other movables of which the ownership vests in some other person and the possession can be
retained till the owner discharges the debt or obligation to the possessor.
It is a legal claim by one person on the property of another as security for payment of a debt. A legal
claim or attachment against property as security (
Q. 4 Can proceedings before DRT be compared to the proceedings before Civil Court? Discuss.
Ans : The proceedings before DRT can not be compared to the proceedings before Civil Court and
adjudication process before the DRT is simple and can be fast. However, it is also true that DRT
requires time to look into the facts and read the documents apart from hearing the oral submissions
from the Bank. Additional DRTs and DRATs can be constituted if required rather allowing the
borrower to suffer and feel that the remedy before
Q.5 What do you mean by arbitration under Banking Ombudsman scheme? Explain the procedure
for arbitration and conciliation as detailed under Banking Ombudsman scheme?
Ans : Arbitration :
Arbitration, a form of alternative dispute resolution (ADR), is a technique for the resolution of
disputes outside the courts, where the parties to a dispute refer it to one or more persons (the
"arbitrators", "arbiters" or "arbitral tribunal"), by whose decision (the "award") they agree to be
bound. It is a resolution technique in which a
Q.6 Is Securitisation Act applicable to Cooperative banks? If not, discuss the reasons.
Ans : Securitisation Act :
Preliminary
1. Short title, extent and commencement.(1) This Act may be called the Securitisation and Reconstruction of Financial Assets and Enforcement
of Security Interest Act, 2002.
(2) It extends to the whole of India.
(3) It shall be deemed to have come into force on
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