I did a bachelor and masters medicine with a bank loan. Without a loan I could never dream to become a doctor. I am talking about the early 1990s. Education with a study loan from State Bank of India has made me a millionaire today.
@@abhaypatel4292 does that really matter? He is an indian he said that right..he is in country or out of the country that is his ability and choice..we shouldnt be talking abiut that
I got a student loan from the Public sector bank 3 years back for MBA. Now, I'm working with the Big 4 here in India. Right policies on the education loan worked well for me.
Am a banker in INDIA and i work as an assistant manager in a REGIONAL RURAL BANK here. As its clear by the name, we are supposed to work among farmers and small businesses but here too we provide education loans from 4 lacks to 8 lacks on real easy term 😀
Hey i had a question..the government effort to reduce the number of government banks via merger..is it a good thing or a bad thing???.. Also would it effect the number of jobs (government) in banks
@@abhaypatel4292 well i dont think merger will reduce jobs in any situation cause if you look into the number of vacancies, it has increased this year. And large number ofvbanks are hard to control. Merger would strengthen the unions in banking which is good for employees
You can get educational Loan upto 12lakh INR , for higher education or for engineering, medical, or technical education, general graduation students also get education loan only if he get admission out of his / her state...
A good and healthy exchange of knowledge. I have personally worked with Hasan Mansoor and he is someone who has thorough experience in banking and have seen it transform.
Junaid bhai it was refreshing to see startups being discussed. I would request you to create more conversations about tech startups. In a country like Pak, technology can solve a lot of problems at scale. There are many people quietly building solutions for millions. We need creators like you to create this awareness among the youth. We have millions of Elon Musks and Sundar Pichais in Pakistan, all they need is inspiration through platforms like yours.
In India if you want to get an educational loan Upto 4 Lakh they give it without guarantee. 4-8 lakh you'll need a guaranter who would take guarantee if you don't pay they will. Above 8 lakh you need to have some collateral. Foreign education loan is also very encouraged that's why alot of middle people are looking for foreign education. I pass out in 2017 and 30-40% of my batch mates are in different countries around the world.
bro if your selected for IITS,IISC,IIMs or any top institute banks come forward em selves to offer a loan since then know how much ones gonna make passing out
A refreshing and candid discussion with two gentlemen who have a good grasp of their respective fields. More common, yet professional individuals should be brought on the show to talk about issues which are faced by everyday Pakistanis. Main stream media is sold already and they don’t have independent voices. Everyone has an agenda or supports a narrative. Thanks to Junaid, we can see guys who don’t seem to have any agenda and are not on a payroll of a political party etc. Both men spoke from their heart and had Pakistans best interest at the forefront. There are good men still in this beautiful country, they just need to step up and take a more prominent role rather than letting corrupt politicians and bureaucrats to continue their merry ways of looting and plundering the resources of Pakistan. Well done Junaid. Thank you Hassan and Eraj.
Very few smart Indian students end up in Dubai. They prefer Western countries or stay back in India. Most of the Indians working in the Middle East are average students. I was one of them. I worked in Abu Dhabi for 10 years and I was better than Pakistani co-workers even though I was an average student.
@@adityavarshney5373 hai yarr.....but I'll get ECE there that's the problem.....i am having conflict should i choose tier 2 USICT CSE instead.... I'm also 1 year dropper.
Was confused there too when i was trying to find asian looking people in the about section of blackrock...haha Guess what! I found 2 asians and they were indian
Students loans are very easy process here in India.. you have to submit only two documents..one is Admission receipt and another one is Bank details...only...
It’s not easy. You need to have property as a mortgage. Why you feel it’s easy because you see numbers. You think a lot of Indians are getting it so it must be easy. But you’re forgetting an important aspect, whihc is population. Even if 10% of the population takes student loans, that’s a lot for a country like india.
@@9Rehankhan19 its not the case you dont need security for student loan..i think u are pakistani and u are feeded with this population narrative right from the day u are born
@@jaibaba3850 nope, I’m from IOK. And it was not easy for me to take a loan. Our house was put as a mortgage. Student loans for Indian colleges where you need maybe upto 5 lacs is easy to get, but not beyond that. People who go to foreign universities have to pay a lot and it’s not easy to get that much of loan .
3:27 In India student loans are easily available, lots and lots of banks are available...and if u r taking loan upto 4 lakh, u need not give any security on it, govt will be take care of it...but these loan are mostly for technical and medical field students...even im goin to take loan of 4 lakh next yr to complete my *masters* in computer applications.
@udit singh nah bro...not whole life...doctors play in crores easily...depending on their skills....but banks wont give this much of loan without security.
@udit singh my mothers aurvedic doc in navi mumbai charges 1000 Rs. per patient and she must be handling 100s of patients daily....just calculate 1000x100=100,000 per day...lets say its 50k per day...even then multiply it with 30 days....thats15 lac per month,,,, and its just her fees not extra money that she makes. just calculate it for month...and she is just a aurvedic doc not a MBBS doc.
Food panda was founded in Germany by Rohit Chadda(indian) and Ben Bauer(German). It might have expanded subsidiaries in other countries like pakistan. How the hell did it become a Pakistani startup!! By this logic kfc, McDonald's, Dominos are also pakistani startups !!
I would love to see Ashraf Habibullah on your channel someday. Ashraf completed undergraduate studies at NED and he is a structural engineer who created a engineering design software company which really revolutionized the civil engineering world. I studied civil engineering and even i did not know about him while a student. People need to know about such personalities. Thanks
One of the biggest reasons for India's growth is due to credit available to msme( micro, small and medium) companies... Kudos to Indian banks for some outstanding work
Amazing podcast man... Saw Hassan after a very long time and did not recognize till the very end.. please keep bringing people from the different industries to talk about multiple situations prevailing in our country
Hello everyone, podcast is to good. Keep going good work! Some corrections: Blackrock manage $ 6.28 trillion approx. And ceo is not pakistani. Larry is ceo and chairman.
No one addressed the main issue that is that Pakistan is controlled by the army , the army knows nothing about economic management. I am from from the Indian Army -- India is lucky the Army is away from the economy.
Yes. And just look at their budget, most of if goes in defence. They are literally in everything from construction industry to cement business, from fertilizer to pizza. They are everywhere. Along with the budget just imagine the amount of incentives and subsidies they must be getting from these businesses. They own their nation. And they will never do peace with us because if they will then there will be no relevance of them.
Great podcast Junaid Bhai. Much needed more like this, you’ve great young following, try your best to make more podcasts on capital markets especially (stock market) & financial literary. If possible make a channel of it and let the professionals run it. Our country really needs this type of initiative. this would be a huge contribution to whole economy. I personally believe equity market is one of the unique resource where women, unemployed people, adults, children , retired persons can understand the significance of savings and the miracles of compounding through good value investments, it also adds to the longterm horizons on life and investments, And break the old myths about stock market.
I think the problem in Pakistan is that most of the young adults do their degree for their family and extended family and not for themselves. Even in India this was a big problem but it is getting better I think in 5-10 years even Pakistan should catch up.
Retail and consumer banking has a huge huge untapped potential in pakistan, however key ingredient missing is documentation/ formalisation of economy which is almost zero in Pakistan. So for banking and economy to thrive, computerised documentation is a first requirement.
It is not enough to have a huge population, they should have purchasing power. Purchasing power comes from economic growth. India has a huge middle class which increased exponentially after economic reforms in the 1990s. Now the Indian economy is ready for a takeoff to the next level. If Pakistan does not get its act together it will end up like the USA and Mexico relations with India. If you make peace with India and ride on its coat tails the relation can be like the USA and Canada. The ball is in Pakistan's court. No offence meant.
China didn’t make peace with India, how does it have a $15 tn economy and you’re stuck at $3 tn, which btw is nothing for a 1.4 billion population. India is a poor country, whether your agree or not doesn’t change the reality. Stop comparing yourself with Pakistan. Just compare your gdp per capita wihh bangladesh.
@@9Rehankhan19 This is the problem with you anpadh jaahil Pakistanis. Couldn't do nothing yourself and abuse others.In 1947 india was the most poorest,dirty and one of the worst places in world compared to that now it's 5th largest economy and you have shown wrong data here India's economy is 3.6 trillion. The difference between india and china is 3-4 times which is not that huge and india can take on china within a decade if it has a good growth rate
@@9Rehankhan19 India has again surpassed per capita of Bangladesh. Bangladesh got ahead because india was the only country in the world for having complete lockdown for months but now we have again overtaken them within months as economy got back on track.Get fresh data not old data
@@9Rehankhan19 hahahah is hisab se tum khud ko compare krlo Vietnam taiwan Malaysia Israel norway Iceland sweeden Finland se unki population tum se bhi kum hai aur zero ho tum unke aage
@@9Rehankhan19 we had one war with china and had peace agreement that border issue will solve by talks no one will fire bullet on border so it's much more peaceful border then india pakistan
Someone should study why Pearsis are so successful in business like tata,poonawala eventhough they are just few thousand in number .we should thank them for what they did for india
The real reason is opium trade. Parsis of current time are enjoying generational wealth. All these tata poonawala were british loyal . They earned during opium trade, WW1 weapons export. Just facts
Historically if we see those who were good in banking and business were in Pakistan in pre-independent migrated to India those time most of the big business in Lahore and in Karachi were run by Sikhs and Hindus and other communities
I lIVe in Hyderabad deccan and all the new developed area around HITEC city are good. But we do have traffic problem. THis hyderabad ciy is also hub for pharmaceuticals
The bad luck of this nation is that such a video is getting only 100K views and a comedy or dance video would reach million views in hours. Junaid bhai thank you for such a good informative content.
In India many states gives student credit cards. In my state government offer Credit card of 10 lakh INR without any guarantee. 4-8 lakh INR ka education loan lena bahut easy ha.
Really interesting ki Bank Account khulwane ke liye Pakistan mein itni problem aati hai. In India you can literally take your Aadhaar card and ₹1000/- and open your bank account. You get a savings account and can apply for a cheque book for a nominal price. You also get a free debit card over post in a few days. Aur to aur the people who live below the poverty line need not even deposit anything and get a new Bank Account for ₹0. This is what enables a common small business owner as well as street vendors and hawkers ro receive payments directly in their bank accounts using the UPI. Safe, fast and simple. This has drastically formalized the unorganized sector and digitized the economy. And because the financial institutions have the access to this data readily available, those vendors hawkers and small business owners have far more options and opportunities to get business and personal loans from banks.
Sorry for being negative but it will take atleast 10 years of consistent hard work right policies peaceful environment plus solid technology base and good funding. I am also a banker.
Even though i m from india i come here to see what pakistani really thinking about economics like what they think about india i mean we cannot live in well & praise ourselves. In case of India & Pakistan we some problem which are same for us like Law & order very important another is no participation of women's in industry or any sort of Business or employment i love that statement of that man wearing purple T he said you have to work on Resources management i mn why are we producing docs & pouring in billions on something which will not benefit india in Case of india we brag so much about that look our IITs are CEO that's shame that we cannot provide them opportunity we are giving them best education on public money believe me Fee of IIT is nothing compared to a private colleges even in tier 2 city they literally getting a free degree & what's return on investment what Satya nadela or sunder pichai did for india its totally different things they make certain good image on international front but we are a big nation in history of world undivided india was always in top 2-3 only exception 19-20th century my whole point is instead of making 1000 specialised doc make 200 that we need rest should be sent to do another problem solving job there are so many fucking job specialisation out there in aviation marine waste management problem wahi hai na maa baap ko accha ni lagta or ladki ko shaadi b doctor IAS ya Ceo mba wale se krni ye baki jobs ko jobs hi ni samjhty or humare media jo shape krti hai inki thinking vo or usme b hero doc businessman vakeel arre yrr koi aviation engineer dikha do koi kuch motivate to kro lage to youth ki bhai ye b job exists krti hai ye b insano wali life jeete hai. Uske upar Infrastructure bhai we South Asians can never benifit jab tk proper infrastructure pr kaam ni krte in india after 2012 we are focusing now & gaining pace under Modi in case of pakistan there system is flawed mtlb bhai mai comment ni krunga cuz mujhe unke political issue ni pta but unko match krna hai india ko ki bhai billion usd ka project bhai kya krogy problem to solve ni huyi ab hum kkya Shanghai tower ko copy krte ni cuz jab need hogi ban jayga last or most important india or pakistan mai problem kya hai because hum log economy ko politics se jod dety hai look tiawan & china relations india china-relations China- japan relations yaha pr saari problem pakistan ki hai apke yaha dollar kaha se ayenge apke padosi India & china world ki massive economy hai or aap unhe export ni kr pa rahy or India ko central asia se krne ni de rahy iss saal india ka oil imports 120 billion usd tha ye half hota agar Pakistan hume central asia se pipe line bnne de china k sath vo issue ni hai humare pados mai trillion dollar k lithium or minerals pade hai pr kon nikale beech mai pakistan bhai khob khoon bahao atleast business to kro i think if im not wrong agar lahore or Karachi india ki top financial cities thi ab to hal behal hai . Hope sense prevails.
U r absolutely right, Pakistanis here in UAE dominate finance departments of the companies and banks, especially wen it comes to management-level positions. Indians r large in number but Pakistanis r much better in skills, knowledge, theory, ideas, standards and providing solutions and Indians r good clerks.
Cos gulf isn't indian expat go to destination.. however the recent indian uae trade deal and recent boom in trade i find it great that our relations with UAE will shift to more transactional rather than just an imigrant and master scenerio
@@abhaypatel4292 i really didn't understand ur point of view, if u r saying its all those Indians in the gulf who r not capable to perform or prove themselves in India?? 2ndly i didn't mention anything about ur foreign relations, i'm confused, wats ur point?
That's because most Indian bright minds go US, Canada ,Germany , Australia etc And we have our own banking sector which is robust nd creates quality employment here in India itself so they don't go in gulf, in gulf most Indians you see are either businessman, civil engineers, computer engineers or blue collar jobs. Simply compare them in USA, UK, Australia, Canada you will get your answer.
@@manansheth3084 Well even if u consider PIOs as indian citizens, which they r not, still indian population working in Gulf, Kuwait and third world countries is around 11 to 12 million out of total 32 million (that includes PIOs) and its a large number to assess the capability of any nation or its ppl. Believe me ur understanding is wrong that 12million of those indians r either businessmen, IT professionals or Civil Engineers. It even sounds strange. The fact is that they r mostly working on low-profile jobs and even destroying the job market, the masters will agree to work on salaries that equate to the salary of a blue-colored job. Further, its never about skills, its about getting into a certain market and Indians mostly get in through lobbying, 90% of jobs they acquire r thru their friends or relatives. Doesn't matter if its a SME or Corporate organization, they will find a helping hand wherever they go. Its all about numbers and u hav a very large population which goes to ur advantage. U do have good professionals in Austrailia, Canada and especially USA but again its an advantage of numbers.
Wikipedia data : Only 20% of Pakistanis in UAE are involved in WHITE COLLAR JOBS rest 80% in blue collar 40% of Indians are involved in WHITE COLLAR JOBS rest 60% in blue collar Indian immigrants have also successfull companies in UAE that includes LULU Group , Landmark group Jashanmal etc Micky Jagtiani , Rajiv pillai , Yussuf Ali are Indian Billionaires in UAE Pakistan has none 😊
I just want to add that many parts of old trucks are made in Pakistan. There are small Lathe and CNC machine units spread around Sialkot, Gujranwala belt. Also even small machineries and motors are built in Pakistan. Somebody must cover the region of Gujrat-Sialkot-Gujranwala belt. They are a hidden gem and most residents of Karachi are unaware that what is going on there.
Salam. I love all your podcasts and ask sessions on the other channel. I mostly hear them hardly watch the videos. But I want to give a small feedback from my side, there are screen cuts in your videos that change from one view to another, these look good. There are ones that just zoom a little bit in the same view and then zoom back, it sometimes hurts my eyes. Just a small feedback, content is top notch as always!
