RBI GUIDELINES: ONE TIME SETTLEMENT OF NPAS DATED 16-MARCH-2018
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As per instructions of Reserve Bank of India (RBI), banks are required to have a loan recover policy, which may cover, inter alia, negotiated settlements of NPAs. As per inputs received from Public Sector Banks (PSBs), all PSBs have One Time Settlement (OTS) schemes. These OTS schemes are in pursuance of Board-approved policies of banks, and are typically oriented towards sectors such as agriculture, Micro Small and Medium Enterprises (MSMEs), weaker sections and education loans, and typically have an upper limit on the amount of NPA.
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RBI GUIDELINES: GUIDELINES FOR COMPROMISE SETTLEMENT OF DUES OF BANKS AND FIN...
As you are aware, the Indian Banks’ Association (IBA) has been issuing guidelines to member institutions for taking up of cases for settlement through Lok Adalats. The position
was reviewed and it was observed that banks have not taken adequate advantage of the Lok Adalats for compromise settlement of their NPAs. There are certain advantages in using the forum of Lok Adalats by banks and financial institutions in compromise settlement of their NPAs. There are no court fees involved when fresh disputes are referred to it. It can take cognizance of any existing suit in the court as well as look into and adjudicate upon fresh disputes. If no settlement is arrived at, the parties can continue with court proceedings. Its decrees have legal status and are binding. It has, therefore, been decided that with a view to making increasing use of the forum of Lok
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1) Section 131 of the Negotiable Instruments Act provides protection to bankers who receive payment for crossed cheques in good faith and without negligence.
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RBI GUIDELINES: GUIDELINES FOR COMPROMISE SETTLEMENT OF DUES OF BANKS AND FIN...
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This document discusses the relationship between banks and their customers. It outlines that banks core business is accepting deposits from the public and utilizing those deposits to lend to borrowers or make investments. There are two types of deposits - demand deposits which are payable on demand like current accounts, and time deposits which are held for a specified period of time. The document then discusses the various roles and relationships that exist between banks and customers such as debtor-creditor, principal-agent, bailee-bailor, and more. It also outlines the rights and obligations of both banks and customers in the relationship.
Payment and collection of cheques
1) Section 131 of the Negotiable Instruments Act provides protection to bankers who receive payment for crossed cheques in good faith and without negligence.
2) Even if the title to the cheque later proves defective, the banker will not be liable to the true owner as long as they received payment without negligence.
3) This section protects bankers who act as both paying bankers and collecting bankers, allowing them to deposit funds from a collected cheque into an account before receiving final payment.
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The document discusses the evolution of banks in India from ancient times to the present. It outlines the major phases of development: 1) In ancient India, the Vedas first mentioned usury. 2) In the medieval era, loan deeds called dastawez were used. 3) Under British rule, the Union Bank of Calcutta was established in 1829 as the first joint stock bank. 4) After independence, most banks were nationalized in 1969. 5) Today, banking in India includes both nationalized banks and new private banks, with over 100,000 branches serving customers across the country.
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NEGOTIABLE INSTRUMENTS ACT, 1881
STRUCTURE
1.0 Objectives
1.1 Introduction
1.2 Meaning of Negotiable Instruments
1.3 Characteristics of a negotiable instrument
1.4 Presumptions as to negotiable instrument
1.5 Types of negotiable Instrument
1.5.1 Promissory notes
1.5.2 Bill of exchange
1.5.3 Cheques
1.5.4 Hundis
1.6 Parties to negotiable instruments
1.6.1 Parties to Bill of Exchange
1.6.2 Parties to a Promissory Note
1.6.3 Parties to a Cheque
1.7 Negotiation
1.7.1 Modes of negotiation
1.8 Assignment
1.8.1 Negotiation and Assignment Distinguished
1.8.2 Importance of delivery in negotiation
1.9 Endorsement
1.10 Instruments without Consideration
1.11 Holder in Due Course
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modes of charging security
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documents required for pledge
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liquid asset
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NEGOTIABLE INSTRUMENTS ACT, 1881
STRUCTURE
1.0 Objectives
1.1 Introduction
1.2 Meaning of Negotiable Instruments
1.3 Characteristics of a negotiable instrument
1.4 Presumptions as to negotiable instrument
1.5 Types of negotiable Instrument
1.5.1 Promissory notes
1.5.2 Bill of exchange
1.5.3 Cheques
1.5.4 Hundis
1.6 Parties to negotiable instruments
1.6.1 Parties to Bill of Exchange
1.6.2 Parties to a Promissory Note
1.6.3 Parties to a Cheque
1.7 Negotiation
1.7.1 Modes of negotiation
1.8 Assignment
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1.10 Instruments without Consideration
1.11 Holder in Due Course
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The SARFAESI Act allows secured creditors like banks to enforce security interest for recovery of dues without court intervention. It gives banks the power to take possession of secured assets, sell them, or take over management upon default. The key steps are issuing a 60-day demand notice, taking possession if not paid, appointing an authorized officer, valuating and auctioning the assets. The debtor can raise objections within 15 days of notice or approach DRT within 45 days, otherwise the bank may proceed to sell the assets to recover dues.
Evolution of bank in india
The banking industry in India is governed by the Banking Regulation Act of 1949. It began in the late 18th century and saw major developments post-independence including the nationalization of banks in 1969. Today it includes both public and private sector banks as well as foreign banks. The industry has grown significantly in size and now includes over 67,000 branches across the country. However, it also faces challenges such as a lack of expertise in new products, increasing competition, and the impact of global financial crises. New trends include a focus on customer centricity, staff efficiency, and greater use of technology.
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M Narasinhan committee on banking sector reforms
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An innovative corporate structure of the promoters of banks is prescribed. Entities / groups in the private sector and entities in the public sector shall be eligible to promote a bank through a Non–Operative Financial Holding Company (NOFHC). The corporate structure is designed to ring-fence the banks from spill-over risks from other entities of the group.
Financial inclusion has emerged as major policy plank of the Centre and RBI. The task is challenging with large population and the geographical spread of our country. The data released from the recent Census of India shows that only 54.4 per cent of rural households have access to banking services
RBI received 26 applications for bank license. On the recommendations of a High Powered Committee headed by Dr Bimal Jalan, former RBI Governor, RBI, issued "in principle" approval to two entities viz IDFC ( an NBFC) and Bandhan( NBFC-MFI) to set up banks. Presently they are functioning as NBFCs; they need to obtain license from RBI under Sec 22 of the Banking Regulation Act, 1949.
. The earlier experimentation of bank licensing infused the much needed competition and technology in the banking sector. Notably, the business models adopted by these banks support class banking, profit maximization and risk-taking. Expectedly, the new generation banks would bring an evolutionary change to meet the “needs of modern economy” and alongside “improve access to banking services” to the lower strata of the society.
Recent development of indian financial system
The document discusses various recent developments in the Indian financial system. It mentions that the Supreme Court upheld the constitutional validity of the Aadhaar scheme. It also discusses the RBI setting up a regulatory sandbox for fintech and data science labs, IRDAI moving to a risk-based capital regime, and RBI increasing statutory liquidity ratio levels. It briefly summarizes the launch of the India Post Payments Bank and developments regarding blockchain, open market operations, a national logistics portal, and awards/approvals for banks and fintech companies.
Assignment wps office
The document discusses various recent policy developments and initiatives in the Indian banking and financial sector:
1) The Supreme Court upheld the constitutional validity of Aadhaar but made it optional for certain services.
2) RBI will form a regulatory sandbox for fintech and set up data science labs to promote digital innovation.
3) IRDAI will shift to a risk-based capital regime to better assess insurance capital requirements.
4) RBI increased statutory liquidity ratios to boost liquidity in the banking system.
Mrinal
The document discusses several Indian financial and banking initiatives including the Banks Board Bureau, Mudra scheme, public sector insurance companies, and changes in the 2016-17 Union Budget. The Banks Board Bureau advises on raising funds and appointing directors for public sector banks. Mudra offers loans to small businesses and aims to disburse Rs. 100,000 crore in 2015-16 and Rs. 180,000 crore in 2016-17. The 2016-17 Union Budget introduced measures like a financial firms resolution code, a financial data center, and new derivative products.
Merger of Banks with Reference to Central Government Scheme
The Banking Companies Acquisition and Transfer of Undertakings Acts of 1970 and 1980 provide that the Central Government, in consultation with the Reserve Bank of India RBI , may make a scheme, inter alia, for the amalgamation of any nationalised bank with any other nationalised bank or any other banking institution Various committees, including Narasimhan Committee 1998 constituted by RBI, Leeladhar Committee 2008 chaired by RBI Deputy Governor, and Nayak Committe 2014 constituted by RBI, have recommended consolidation of Public Sector Banks PSBs given underlying benefits synergies. Taking note of this and potential benefits of consolidation for banks as well as public at large through enhanced access to banking services, Government, with a view to facilitate consolidation among public sector banks to create strong and competitive banks, serving as catalysts for growth, with improve risk profile of the bank, approved an approval framework for proposals to amalgamate PSBs through an Alternative Mechanism AM . AM, after consulting RBI, in its meeting held on 17.9.2018, approved that Bank of Baroda, Vijaya Bank and Dena Bank may consider amalgamation of the three banks. Banks have since considered amalgamation and the Board of Dena Bank has recommended the same, while Boards of Bank of Baroda and Vijaya Bank have given in principle approval therefor. RBI has furnished bank wise total income of PSBs and private sector banks in the financial year FY 2017 18 in this regard, which is given in Annexure.Over the last four and half years, Government has pursued a comprehensive approach for addressing non performing assets NPA issues. Key elements are as under Recognising NPAs transparently Forbearance has been ended and stressed assets classified as NPAs under the Asset Quality Review AQR in 2015 and subsequent recognition by banks. Further, restructuring schemes that permitted such forbearance have been discontinued in February 2018. As a result, as per RBI data, Standard Restructured Assets SRAs of Scheduled Commercial Banks SCBs have declined from the peak of 6.5 in March 2015 to0.49 in September 2018.Resolving and recovering value from stressed accounts through clean and effective laws and processes A fundamental change has been effected in the creditor debtor relationship through the Insolvency and Bankruptcy Code, 2016 IBC and debarment of wilful defaulters and connected persons from the resolution process. A sizeable proportion of the gross NPAs of the banking system are at various stages of resolution in National Company Law Tribunal NCLT . To make other recovery mechanisms as well more effective, Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest SARFAESI Act has been amended to provide for three months imprisonment in case borrower does not provide asset details, and for lender getting possession of mortgaged propertywithin30 days, and six new Debts Recovery Tribunal DRTs have been established. As a resu
Indian Banking Moving towards a new landscape - Regulatory Mechanisms - Part...
RBI has introduced several regulatory mechanisms to help banks deal with stressed assets and improve lending practices. This includes an early warning database, the Joint Lenders Forum for debt restructuring, and the Central Repository of Information on Large Credits to collect data on loans over Rs. 50 million. The Debt Recovery Tribunals and SARFAESI Act provide ways for banks to recover loans from defaulters, while Asset Reconstruction Companies purchase stressed assets from banks. Further reforms are underway like limiting consortium members, a unified bankruptcy code, and setting up a Public Debt Management Agency.
6. Recent developments in Indian Financial System.pptx
The Supreme Court upheld the constitutional validity of the Aadhaar scheme and ruled that Aadhaar will no longer be mandatory for various services. The RBI will form a regulatory sandbox for fintech companies and set up data science labs to promote innovation in digital lending. The IRDAI will transition to a risk-based capital regime to better assess capital adequacy for insurance risks. The RBI increased statutory liquidity ratios to boost liquidity in the banking system by potentially releasing up to Rs 2 lakh crore.
Acquisory news-bytes 18.04.2016
The Reserve Bank of India has amended provisions related to fraud accounts, allowing banks to provision fraud amounts over 4 quarters instead of immediately. Securities and Exchange Board of India issued a draft consultation paper on distributing cash benefits like dividends through depositories. The Ministry of Corporate Affairs released FAQs regarding MCA 21 filings. The Central Board of Direct Taxes issued draft rules for granting foreign tax credits under the Income Tax Act.
Ibps po power_capsule_english_2014 - SIDDANNA M BALAPGOL
The document provides a summary of key policies, decisions and events related to the Reserve Bank of India (RBI) over the past few months. It discusses RBI keeping key policy rates like repo rate, reverse repo rate, CRR and SLR unchanged. It also summarizes RBI's decisions on relaxing KYC norms, separating chairman and MD posts in PSU banks, fixing retirement age for private bank CEOs at 70, and issuing guidelines for payments and small banks to promote financial inclusion. The document concludes with highlights from the Union Budget 2014-15 and Railway Budget 2014-15.
Ibps po power_capsule_english_2014
The document provides a summary of key news and events related to the Reserve Bank of India (RBI) that could be relevant for an upcoming exam. It mentions that RBI kept repo, reverse repo, CRR, and SLR rates unchanged in its recent monetary policy statement. It also summarizes several RBI policy decisions and guidelines, including relaxing KYC norms, separating roles of chairman and MD in PSU banks, fixing retirement age for private bank CEOs, introducing small and payments banks, and amending Basel III norms. Additionally, it outlines important points from the Union Budget and Railway Budget for 2014-15.
Banking Landscape in India- Licensing New Banks
This is a latest development in Indian banking landscape after the Government of India announced the intention to license new commercial banks in private sector. Reserve bank of India, the banking regulator has set the process. This is a milestone development in Indian banking landscape. Final guidelines would be issued by Reserve Bank after necessary dialogue with government.
OCTOBER 2014 – FACT FILE {SPECIALLY DESIGNED FOR SBI ASSOCIATES PO AND IBPS C...
This document provides a summary of news from October 2014 related to banking and finance, national news, international news, appointments, awards, and other topics. Some key points include:
- RBI governor Raghuram Rajan was awarded Best Central Bank Governor by Euromoney magazine.
- Federal Bank and Karur Vysya Bank won awards from IDRBT for their use of technology.
- Nobel Peace Prize was awarded to Kailash Satyarthi for his work fighting child labor in India.
- Prime Minister Modi announced a Rs. 1,000 crore package to help Andhra Pradesh recover from Cyclone Hudhud.
- Election Commission launched a video game
Reforms In Money Market
The document reviews money market reforms in India and evaluates their current status. It discusses the history of money market reforms since 1991, including reductions to reserve requirements and interest rates as well as the introduction of new instruments. However, it argues that further reforms are still needed to develop debt markets fully and introduce innovative products that better serve small entrepreneurs, farmers, and the poor. Rural access to banking also remains inadequate despite reforms.
Reforms In Money Market
The document reviews money market reforms in India and evaluates their adequacy. It discusses the history of money market reforms since 1991, including reductions to statutory reserve requirements, increased banking freedom and private sector participation, and new money market instruments. However, the author argues that further liberalization and innovations are still needed, particularly to better serve small entrepreneurs, artisans, farmers and poor people.
Banking Landscape- Indian Experiment Dasarathi Mishra
Banking Landscape- Indian Experiment Dasarathi Mishra Consultant in Banking and Finance. Freelance Writer
Indian banking scenario is changing rapidly. The first commercial bank viz Bank of Bengal was set up in Kolkata in 1806, mostly catering the financial needs of merchants. The first state sponsored bank was set up in1955 with State Bank of India taking over the erstwhile Imperial Bank of India. To control the commanding heights of economy , 14 major commercial banks were nationalised in June 1969. Subsequently , in 1980 six more banks were nationalised. With implementation of financial sector reforms, Reserve Bank of India, central bank and the banking regulator launched scheme for licensing new private sector banks, in 1992 and gave license to nine banks. Two more banks were given license in private sector in 2001. In 2010-11 Union Budget, Finance Minister , Government of India, announced to license to new generation private banks to prop up financial inclusion leading to inclusive growth. In the Union Budget 2014-15, the Hon'ble Finance Minister has announced differentiated bank license for setting up Payment Banks and Small Banks. On July 17, 2014, Reserve Bank of India released Draft Guidelines for Licensing of Payments Banks and Small Banks. With setting up of state-of -technology banks, banks in niche areas, the banking scenario in India is heading for a massive transformation. INCOME DECLARATION SCHEME A time to come clean
The IDS scheme announced by the government is open till 30th September, 2016. It is an important opportunity and the government has committed to not to seek any details or source of money earned and assets created once disclosed in terms of the scheme.
1702837 PAPER Loans And Advances with Reference to PKGB Bank.pdf
This document discusses loans and advances with reference to PKGB Bank. It provides an overview of the banking system in India and the role of regional rural banks (RRBs). It then discusses PKGB Bank specifically, including its history through amalgamation, services offered like core banking and ATM/debit cards, and operational details around loans, advances, and remittances. The theoretical background section covers financial statement analysis and categories of banks in India like scheduled and non-scheduled banks.
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ANNUAL ACTIVITY REPORT 2019
This is Gopika Kanta Dutta ails GK Dutta, Social Worker by Passion and Consultant by Profession. I am delight to present you my “Annual Activity Report-2019”.
This Annual report is a comprehensive report of my legal services related activities throughout the preceding year. This report is intended to give you the details information about the activities achieved by me.
TIMELINE OF PUNAM DAS MURDER CASE (Bengali)
১০ মার্চ ২০১৫ বিকাল ৩ টার দিকে তার শ্বশুর বাড়িতে থাকাকালীন পুনম দাস তার শ্বশুর বাড়ির মেঝেতে পুড়ে মারা গিয়েছিলেন। তারপরে পুনম দাসের বাবা-মা তার মেয়ের শাশুড়ি ও ননদের কাছে তার মেয়ের মৃত্যুর কারণ সম্পর্কে জানতে চান কিন্তু তারা কোনও সন্তোষজনক জবাব দিতে ব্যর্থ হন।
TIMELINE OF PUNAM DAS MURDER CASE
On 10th March 2015 Punam Das Brutally murdered by husband’s family by setting her on fire. Deadbody lying on the floor of the hut of her matrimonial home.
ANNUAL ACTIVITY REPORT 2017
I am delight to present you my “Annual Activity Report-2017”. I am Gopika Kanta Dutta ails GK Dutta, Social Worker by Passion and Consultant by Profession. It was 2001 when I was started my journey as a Social Worker and then there are the 17 years and I have continued my Social and Human Rights Activities and through these journey, had a great privilege to working with various National and International Voluntary and Human Rights organisations.
ANNUAL ACTIVITY REPORT 2018
I am delight to present you my “Annual Activity Report-2018”. I am Gopika Kanta Dutta ails GK Dutta, Social Worker by Passion and Consultant by Profession. It was 2001 when I was started my journey as a Social Worker and then there are the 17 years and I have continued my Social and Human Rights Activities and through these journey, had a great privilege to working with various National and International Voluntary and Human Rights organisations.
RBI GUIDELINES: RECOVERY AGENTS ENGAGED BY BANKS!
In view of the rise in the number of disputes and litigations against banks for engaging recovery agents in the recent past, it is felt that the adverse publicity would result in serious reputational risk for the banking sector as a whole. A need has therefore arisen to review the policy, practice, and procedure involved in the engagement of recovery agents by banks in India. In this backdrop, Reserve Bank issued draft guidelines which were placed on the web-site for comments of all concerned. Based on the feedback received from a wide spectrum of banks / individuals / organizations, the draft guidelines have been suitably revised and the final guidelines are as follows:
RBI GUIDELINES: CREDIT CONTROL AND OTHER MEASURES FEBRUARY 2003
1. The Reserve Bank of India issued revised guidelines for compromise settlement of chronic Non-Performing Assets (NPAs) of Primary (Urban) Co-operative Banks.
2. The revised guidelines extend the cutoff date for NPAs eligible for one-time settlement to March 31, 2000. NPAs of Rs. 10 crore or less that became doubtful or loss assets by this date would be eligible.
3. State governments were requested to issue necessary notifications to urban cooperative banks within their jurisdiction adopting these non-discretionary guidelines for settling eligible NPAs in a timely, uniform manner.
RBI GUIDELINES: RESOLUTION OF STRESSED ASSETS DATED 12 FEBRUARY 2018
The Reserve Bank of India has issued various instructions aimed at the resolution of stressed assets in the economy, including the introduction of certain specific schemes at different points of time. In view of the enactment of the Insolvency and Bankruptcy Code, 2016 (IBC), it has been decided to substitute the existing guidelines with a harmonised and simplified generic framework for resolution of stressed assets. The details of the revised framework are elaborated in the following paragraphs.
CONSULTATION PAPER ON SEDITION-30.08.2018
The Law Commission of India was asked to consider section 124A of the Indian Penal Code, 1860 which deals with sedition. Accordingly, a study was undertaken to examine the various pros and cons of the provision. The subject was discussed by the Commission on several occasions. In its meeting held on 5 July 2018 and it was that for making the final recommendations, more discussions need to take place. Hence, it has been decided to put up a Consultation Paper in public domain, for wider discussions.
This Consultation Paper contains the various aspects of the sedition law as it existed in the pre-independence era, in the international jurisdiction and the present scenario, in the country. The Commission solicits the valuable suggestions from the cross section of the society.
DOOR TO DOOR MASS CAMPAIGN
A 10-day mass awareness programme ‘Connecting to serve’, including a door-to-door campaign. ‘You are not alone’, a specialised programme for senior citizens and a toll free legal aid helpline are other recent initiatives by the NALSA.
REPORT ON FIRE INCIDENT
As on 03rd March 2018 around 2.30 PM a sudden Fire Incident took place at Huplong Bazar (Under Jubarajnagar RD Block, Dharmanagar, North Tripura), where as many as 110 Shops burned to ashes along with all the goods and furniture’s.
GUIDELINES OF EARTH DAY CELEBRATION 2016 SCHEME FOR NGO
The document provides information about Earth Day 2016 celebrations in India. It announces that the theme of Earth Day 2016 is "Caring Mother Earth" and provides guidelines for schools, colleges, and non-governmental organizations to participate through activities like debates, essays, drawings, cleanups, and more centered around environmental topics. Participants will be judged in different age groups and the best entries will receive prizes to be awarded on July 27th. All organizers must submit reports and utilization certificates to the Ministry of Environment by February 15th, 2016.
NGO SCHEMES GUIDELINES OF DEPARTMENT OF FAMILY WELFARE.
In pursuance of efforts towards population stabilization and Reproductive & Child Health, aiming at sustainable development and inculcating a meaningful partnership with Non-Governmental Organizations (NGOs) as one of the strategic themes, envisaged in the National Population Policy – 2000, the Government of India after broad-based consultation with all stakeholders has evolved the revised guidelines. These are exhaustive and more focused in approach to attain the laid down objectives of programmes.
MINISTRY OF WATER RESOURCES-GUIDELINES FOR GRANTS-IN-AID TO NGOS
The Ministry proposes to utilize the services of reputed, non-profit, secular NGOs with proven track record in identified fields of activity relating to the water resources sector. NGOs working at the national, state and the district levels will be identified through a process of registration based on their track record. An illustrative list of the type of projects in which NGOs could be involved are given in Annexure-A.
INTERNSHIP APPLICATION FORM FOR VOLUNTARY ORGANIZATION
This document is an internship application form for a voluntary organization. It requests information about the organization such as its name, nature, registration details, year established, operational area, budget, and contact information. It also asks the applicant to provide details about the proposed internship such as duration, dates, location, travel arrangements, accommodation, and a declaration signed by the head of the organization. The form aims to collect essential details about both the organization and internship to process the application.
JAN AUSHADHI SCHEME DETAILS.
The Jan Aushadhi scheme launched by the Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers, Govt. of India aims to make available quality generic medicines at affordable prices to all through special outlet known as Jan Aushadhi store opened/to be opened in each district of all the States. The new business plan approved by the Department of Pharmaceuticals in August, 2013 brought out it no. of changes to make the campaign a real success.
JAN AUSHADHI CAMPAIGN DETAILS.
The Jan Aushadhi scheme launched by the Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers, Govt. of India aims to make available quality generic medicines at affordable prices to all through special outlet known as Jan Aushadhi store opened/to be opened in each district of all the States. The new business plan approved by the Department of Pharmaceuticals in August, 2013 brought out it no. of changes to make the campaign a real success.
SCHEME OF PREVENTION OF ALCOHOLISM AND SUBSTANCE (DRUG) ABUSE, 2015
The approach of this Scheme is to provide the whole range of services including awareness generation, identification, counselling, treatment and rehabilitation of addicts through voluntary and other organizations. With a view to reducing the demand for and consumption of alcohol and dependence producing substances, the thrust would be on preventive education programmes and Whole Person Recovery of the drug dependent persons.
HUMAN DEVELOPMENT REPORT 2014 (UNDP-INDIA)
The 2014 Human Development Report is the latest in the series of global Human Development Reports published by UNDP since 1990 as independent, empirically grounded analyses of major development issues, trends and policies.
GUIDELINES FOR NGOS UNDER NATIONAL AIDS CONTROL SOCIETY SCHEME
The document provides guidelines for selecting and monitoring NGOs involved in India's National AIDS Control Program. Key points:
- NGOs are seen as critical partners for targeted interventions, testing/counseling, and education activities related to HIV/AIDS.
- A transparent process is needed to select skilled NGOs. NGO proposals will be evaluated based on factors like legal registration, infrastructure, organizational structure, track record, and financial reports. Top NGOs may join the State AIDS Control Society executive committee.
- If approved, NGOs will receive funding in two installments after submitting work plans and progress reports. They must integrate HIV/AIDS activities with existing programs to ensure sustainability. Monitoring
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RBI GUIDELINES: CREDIT CONTROL AND OTHER MEASURES FEBRUARY 2003
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GUIDELINES OF EARTH DAY CELEBRATION 2016 SCHEME FOR NGO
GUIDELINES OF EARTH DAY CELEBRATION 2016 SCHEME FOR NGO
NGO SCHEMES GUIDELINES OF DEPARTMENT OF FAMILY WELFARE.
NGO SCHEMES GUIDELINES OF DEPARTMENT OF FAMILY WELFARE.
MINISTRY OF WATER RESOURCES-GUIDELINES FOR GRANTS-IN-AID TO NGOS
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INTERNSHIP APPLICATION FORM FOR VOLUNTARY ORGANIZATION
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SCHEME OF PREVENTION OF ALCOHOLISM AND SUBSTANCE (DRUG) ABUSE, 2015
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本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
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二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Incometax Compliance_PF_ ESI- June 2024
This document briefly explains the June compliance calendar 2024 with income tax returns, PF, ESI, and important due dates, forms to be filled out, periods, and who should file them?.
Lifting the Corporate Veil. Power Point Presentation
"Lifting the Corporate Veil" is a legal concept that refers to the judicial act of disregarding the separate legal personality of a corporation or limited liability company (LLC). Normally, a corporation is considered a legal entity separate from its shareholders or members, meaning that the personal assets of shareholders or members are protected from the liabilities of the corporation. However, there are certain situations where courts may decide to "pierce" or "lift" the corporate veil, holding shareholders or members personally liable for the debts or actions of the corporation.
Here are some common scenarios in which courts might lift the corporate veil:
Fraud or Illegality: If shareholders or members use the corporate structure to perpetrate fraud, evade legal obligations, or engage in illegal activities, courts may disregard the corporate entity and hold those individuals personally liable.
Undercapitalization: If a corporation is formed with insufficient capital to conduct its intended business and meet its foreseeable liabilities, and this lack of capitalization results in harm to creditors or other parties, courts may lift the corporate veil to hold shareholders or members liable.
Failure to Observe Corporate Formalities: Corporations and LLCs are required to observe certain formalities, such as holding regular meetings, maintaining separate financial records, and avoiding commingling of personal and corporate assets. If these formalities are not observed and the corporate structure is used as a mere façade, courts may disregard the corporate entity.
Alter Ego: If there is such a unity of interest and ownership between the corporation and its shareholders or members that the separate personalities of the corporation and the individuals no longer exist, courts may treat the corporation as the alter ego of its owners and hold them personally liable.
Group Enterprises: In some cases, where multiple corporations are closely related or form part of a single economic unit, courts may pierce the corporate veil to achieve equity, particularly if one corporation's actions harm creditors or other stakeholders and the corporate structure is being used to shield culpable parties from liability.
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...
Presentation slides for a session held on June 4, 2024, at Kyoto University. This presentation is based on the presenter’s recent paper, coauthored with Hwang Lee, Professor, Korea University, with the same title, published in the Journal of Business Administration & Law, Volume 34, No. 2 (April 2024). The paper, written in Korean, is available at <https://shorturl.at/GCWcI>.
V.-SENTHIL-BALAJI-SLP-C-8939-8940-2023-SC-Judgment-07-August-2023.pdf
सुप्रीम कोर्ट ने यह भी माना था कि मजिस्ट्रेट का यह कर्तव्य है कि वह सुनिश्चित करे कि अधिकारी पीएमएलए के तहत निर्धारित प्रक्रिया के साथ-साथ संवैधानिक सुरक्षा उपायों का भी उचित रूप से पालन करें।
一比一原版(Lincoln毕业证)新西兰林肯大学毕业证如何办理
Lincoln硕士毕业证成绩单【微信95270640】办理新西兰林肯大学毕业证原版一模一样、Lincoln毕业证制作【Q微信95270640】《新西兰林肯大学毕业证购买流程》《Lincoln成绩单制作》新西兰林肯大学毕业证书Lincoln毕业证文凭新西兰林肯大学
本科毕业证书,学历学位认证如何办理【留学国外学位学历认证、毕业证、成绩单、大学Offer、雅思托福代考、语言证书、学生卡、高仿教育部认证等一切高仿或者真实可查认证服务】代办国外（海外）英国、加拿大、美国、新西兰、澳大利亚、新西兰等国外各大学毕业证、文凭学历证书、成绩单、学历学位认证真实可查。
[留学文凭学历认证(留信认证使馆认证)新西兰林肯大学毕业证成绩单毕业证证书大学Offer请假条成绩单语言证书国际回国人员证明高仿教育部认证申请学校等一切高仿或者真实可查认证服务。
多年留学服务公司,拥有海外样板无数能完美1:1还原海外各国大学degreeDiplomaTranscripts等毕业材料。海外大学毕业材料都有哪些工艺呢？工艺难度主要由：烫金.钢印.底纹.水印.防伪光标.热敏防伪等等组成。而且我们每天都在更新海外文凭的样板以求所有同学都能享受到完美的品质服务。
国外毕业证学位证成绩单办理方法：
1客户提供办理新西兰林肯大学新西兰林肯大学毕业证学位证信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
— — — — 我们是挂科和未毕业同学们的福音我们是实体公司精益求精的工艺！ — — — -
一真实留信认证的作用(私企外企荣誉的见证):
1：该专业认证可证明留学生真实留学身份同时对留学生所学专业等级给予评定。
2：国家专业人才认证中心颁发入库证书这个入网证书并且可以归档到地方。
3：凡是获得留信网入网的信息将会逐步更新到个人身份内将在公安部网内查询个人身份证信息后同步读取人才网入库信息。
4：个人职称评审加20分个人信誉贷款加10分。
5：在国家人才网主办的全国网络招聘大会中纳入资料供国家500强等高端企业选择人才。问山娃想买什么想吃什么山娃知道父亲赚钱很辛苦除了书籍和文具山娃啥也不要能牵着父亲的手满城闲逛他已心满意足了父亲连挑了三套童装叫山娃试穿山娃有点不想父亲说城里不比乡下要穿得漂漂亮亮爸怎么不穿得漂亮望着父亲山娃反问道父亲听了并不回答只是吃吃地笑山娃很精神越逛越起劲父亲却越逛越疲倦望着父亲呵欠连天的样子山娃也说困了累了回家吧小屋闷罐一般头顶上的三叶扇彻夜呜呜作响搅得满屋热气腾腾也搅得山娃心烦意乱父亲一的
Genocide in International Criminal Law.pptx
Excited to share insights from my recent presentation on genocide! 💡 In light of ongoing debates, it's crucial to delve into the nuances of this grave crime.
Synopsis On Annual General Meeting/Extra Ordinary General Meeting With Ordina...
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Defending Weapons Offence Charges: Role of Mississauga Criminal Defence Lawyers
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Guide on the use of Artificial Intelligence-based tools by lawyers and law fi...
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Presentation (1).pptx Human rights of LGBTQ people in India, constitutional a...
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The Work Permit for Self-Employed Persons in Italy
The Work Permit for Self-Employed Persons in Italy
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Tax Law Notes on taxation law tax law for 10th sem
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Matthew Professional CV experienced Government Liaison
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Lifting the Corporate Veil. Power Point Presentation
Lifting the Corporate Veil. Power Point Presentation
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...
fnaf lore.pptx ...................................
fnaf lore.pptx ...................................
V.-SENTHIL-BALAJI-SLP-C-8939-8940-2023-SC-Judgment-07-August-2023.pdf
V.-SENTHIL-BALAJI-SLP-C-8939-8940-2023-SC-Judgment-07-August-2023.pdf
Synopsis On Annual General Meeting/Extra Ordinary General Meeting With Ordina...
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RBI GUIDELINES: ONE TIME SETTLEMENT OF NPAS DATED 16-MARCH-2018
- 1. 16-March-2018 17:57 IST Press Information Bureau Government of India Ministry of Finance One Time Settlement of NPAs As per instructions of Reserve Bank of India (RBI), banks are required to have a loan recover policy, which may cover, inter alia, negotiated settlements of NPAs. As per inputs received from Public Sector Banks (PSBs), all PSBs have One Time Settlement (OTS) schemes. These OTS schemes are in pursuance of Board-approved policies of banks, and are typically oriented towards sectors such as agriculture, Micro Small and Medium Enterprises (MSMEs), weaker sections and education loans, and typically have an upper limit on the amount of NPA. Insolvency and Bankruptcy Code, 2016 has been enacted for time-bound resolution of stressed assets. Further, the Banking Regulation Act, 1949 has been amended last year to provide for authorisation by the Government to RBI, for issuing directions to banks to initiate the insolvency resolution process under the Code. Under the provisions of this amending legislation, RBI has issued directions to certain banks for referring 12 accounts, with outstanding amounts greater than Rs. 5,000 crore and with 60% or more classified as non-performing as of 31.3.2016, to initiate insolvency process under the Code. In accordance with these directions banks have filed applications in respect of these accounts before the National Company Law Tribunal. Further keeping in view the enactment of the Code, RBI has recently issued a revised framework for resolution of stressed assets, which provides for time-bound resolution of high-value stressed accounts, requiring filing of insolvency application under the Code in case of non-implementation of Resolution Plan within180 days. Recovery of loans was being effected under the provisions of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act and through Debts Recovery Tribunals SARFAESI Act was amended in 2016 to make it more effective. Further, six new Debts Recovery Tribunal have been established to expedite recovery. In addition, under the Public Sector Banks (PSBs) Reforms Agenda announced by the Government in January 2018, PSBs have committed, inter-alia, to ensure for clean lending, strict segregation of roles for appraisal monitoring and recovery, online processing of loans, clean consortium lending arrangements, Stressed Asset Management verticals for stringent recovery, and clean post-sanction follow-up for loans above Rs. 250 crore. This was stated by Shri Shiv Pratap Shukla, Minister of State for Finance in a written reply to a question in Lok Sabha today. **** DSM/RM/KA One Time Settlement of NPAs http://pib.nic.in/newsite/PrintRelease.aspx?relid=177590 1 of 1 27-09-2018, 02:14