I am a banker from last 10 years having experience in Working capital finance from loan ticket size of Rs. 1 million to Rs. 500 million. I am a professionally qualified CA, CS, CMA Inter group 1, M.com and have also cleared UGC teacher eligibility test.
Besides my Job, I love teaching and so I started my youtube channel in Feb'21 and since then I am regularly posting videos every week.
These videos are purely based on my experience in banking w.r t working capital finance and all the topics covered are practical oriented only. I have received very positive response with people even with non-commerce background are able to crack the credit analyst interviews. Even the seasoned bankers have appreciated the contents that I have posted and many seniors people in other banks are recommending my channel to their team members for enhancing the knowledge.
I wish that this channel shall be helpful to you all as well. Best wishes to you all. Happy learning.
@@AnkushJainsir we are getting money from selling farm bcz we don't use it we are selling it,we are getting 33,00,000 from it and we've taken 1 rk at 13,00,000 so that loan is currently on going with 15,000 emi monthly but we are closing it and starting a new loan of home.the property is of 75,00,000 so we have 40,00,000 with your private saving,so we will pay down payment of 40,00,000 and 35,00,000 as a loan but my father age is 49 and my age is 23 with salary of 40,000 monthly would we get extended 50 lakhs loan if we want
@@AnkushJain I mean is that we have option two homes one is of 90,00,000 and second one is of 75,00,000 so if we get we will buy 90,00,000 with 50 lakhs loan and if not we will get 75,00,000 home,and my father salary is 65,000 monthly
@@jaat9039 pl watch this video and make a calculator like this in your computer and then you can compute the eligibility by yourself ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-GnZXG85w_zQ.html
Risk Adjustment Return on capital I read about it , but fundamentals are still not clear. I would be very grateful if you can provide some insight regarding it.
Sor can we fund a borrower having liquidity shortage in business due to purchase of a factory by him in the name of business. Does I come under liquidity mismatch or liquidity shortage?
He has already purchased the IP but we are not reimbursing his for the same we are just funding him for temporary mismatch in liquidity which he will utilize for meeting it's current liabilities
Sir, mene car loan liya tha loan amount disbursed ho gya first emi b debit ho gyi or bank ab 6 check maang rh h..kya kru..dena ciye yha nhi?? Plss reply
Hello Sir, I will join Banking in Nov 24 as a CA Fresher as Credit Manager product CV loan - CG. Kindly pls guide me regarding the assessment of the CV loan borrower case.
Hi, sry I don't have experience in this but there are some common points like banking analysis, cibil analysis, financial analysis, CMA data preparation etc for which playlists are available and you can gain knowledge about them.. for specific cv product related knowledge, you have to learn on the job only
In this commercial world you are taking this much time to explain clearly for free sir . Really hats off to you...Tq sooo much. I am very blessed to find this channel.
Buyers credit aur FCDL mein sirf yeah antar samajh aaya ki Buyer’s credit mein Libor + 250bps ki RBI nay capping Kari hui hai aur dusri taraf FCDL jo ki Bank ka apna product hai usmein Bank capping say jyada bhi charge kar sakta hai. Phir client FCDL kyu lega wo yo Buyers credit ko hi avail karna chahega. Please advice ya kuch sir bhi FCDL mein client ko fayda hai.
Koi as such nhi hai.. fcdl usually bahut rare banks mein available hai as product and some banks even don't use fcdl for making payment to supplier in foreign country which we can do easily from buyers credit
I believe factoring is comparatively riskier preposition than sales bill discounting for banks and as you mentioned that there is no much cost difference in both than why the bank is resorting to factoring services
Sir suppose post shipment bills are already lodged with ABC bank and XYZ bank has to take over the limits. Then what will be the process of taking over. Can you elaborate please. @@AnkushJain
Good afternoon Sir, I have three Question First is, foreclosure charge on WC limit calculated on utilised amount or full sanctioned amount in case of BT? 2. Is there nil Foreclosure for MSME customer? 3. is customer closed there limit from Self fund then forclosure charged has been waived by Bank?
Foreclosure is charged on sanctioned amount.. it is applicable for msme as well as there is no circular for that by RBI. Further many banks allow nil foreclosure on self closures but some banks still charge it.. thus it depends on bank to bann
