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Lecture 14: Difference between fixed and floating charge, What is charge over current assets

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In working capital, Charge is created on current assets and fixed assets of the borrower. Learn the difference between the fixed charge and floating charge in banking sector and also learn when exactly they are used.
Have explained the concept in easiest of way through this video. Please watch it till the end.
#Fixedcharge #Floatingcharge #Collateral

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28 авг 2024

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Комментарии : 57

@VikashYadav-iy9ym 5 месяцев назад

Your teaching style is fabulous sir , thank you sir 👏

@AnkushJain 5 месяцев назад

Your welcome

@BirbhumChemicalsandFertilisers 7 месяцев назад

so undervalued channel!!

@AnkushJain 7 месяцев назад

🙏🙏

@zunedqureshi9531 Год назад

thanks alot sir ...got lots of knowledge abt WC ......

@AnkushJain Год назад

👍

@ashishijardar1334 3 года назад

Superb and knowledgeable lectures

@AnkushJain 3 года назад

Thank you

@aditkumar7821 3 года назад

Knowledgeable video.. Kudos to u sir

@AnkushJain 3 года назад

Thank you

@sachinchoudhary92 2 года назад

Thank you sir for sharing the valuable knowledge. :)

@AnkushJain 2 года назад

👍

@HimanshuSharma-if5ue Год назад

Nice video sir. But I have one doubt in case if a person has taken home loan so banks take a charge on his property and in case if that loan becomes NPA then banks can auction that property. But borrower ke jo personal assets hote hai like uske Ghar ka furniture, jewellery, cash, car so USS case mai uss assets mai Floating charge lgta hai kya?

@AnkushJain Год назад

Charge nahi lgta but personal guarantee Li hoti hai person ki hence uske personal assets bhi possess ho skte hain

@HimanshuSharma-if5ue Год назад

@@AnkushJain Okk ... Thanku Ankush sir

@AnkushJain Год назад

👍👍

@avinvashisht5979 Год назад

What is cross collateral property. Is this different from eqitable and registered property Please explain in detail

@AnkushJain Год назад

When property is mortgaged in some loan proposal i.e. other pan and our borrower having different pan is asking for loan on same property then cross coll. Is done

@anuragpareek6121 Год назад

Thanks a lot 🙏

@AnkushJain Год назад

👍

@amolshukla5397 Год назад

Thanks sir

@AnkushJain Год назад

Your welcome

@sriram2sri 3 года назад

Sir for mortgage properties we can cross check charge by checking encumbrance or Crsai for fixed assets , guide us who to check charge for plant and mechenary and stock

@AnkushJain 3 года назад

Moveable property charge is also registered in cersai. You can it from there.

@gurpreetSingh-pz7bo 3 года назад

Thanks...

@AnkushJain 3 года назад

Your welcome

@prakashpareek2762 3 года назад

I have I doubt sir.. Whether you are working in industry or you are a teacher? Coz the way you are explaining things.. Only a teacher can explain.

@AnkushJain 3 года назад

Thanks Prakash. I am a banker from almost 7 years. Prior to that I was also teacher for commerce students. That's why have combined experience of both of them.

@growwithus-i8y Год назад

Sir agr borrower pehle se fixed assets pr loan liye betha ho or is bar woh current asset pr loan le rha ho toh kese pta chlega ki pehle se fixed asset pr loan lekr betha hai ....??? or current asset pr jb loan leta hai toh stocks or debtor me fluctuations hoti hai toh ye kya hm har mahine is pr nazar rkhenge ki jyada kam toh nhi ho rha ye ...ya yearly balance sheet dekhenge ????

@AnkushJain Год назад

For fixed assets point, we will check all the existing running loans of the client. Same can be checked from cibil report. It will confirm whether any loan has charged over fixed assets or not. Further, for stock, debtors- charge over current assets is always fluctuating since the value of these assets keep on changing. For cc limit cases, we monitor it by taking monthly stock statements as well

@growwithus-i8y Год назад

@@AnkushJain thanku so much sir...bhot jbrdst videos h ...bhot knowledgeable content hai ...me 17 lecture pr hu kal se ...credit manager k tor pr me select hua hu...bhot help krengi apki ye videos ..pehle me CPA tha jo as an ccountant job krr chuka tha ...kya sirf graduation ke base pr Credit manager ki post pr achi salary mil skti hai sir ...??

@AnkushJain Год назад

Post graduation should be done

@shrutibaadkar8826 5 месяцев назад

Sir, had one question if we are taking property as equitable mortgage do we still need to create fixed or floating charges on other assets

@AnkushJain 5 месяцев назад

It is banks call however in cc limit or working capital limit, we do take charge as well

@shrutibaadkar8826 5 месяцев назад

@@AnkushJain Thankyou Sir..

@AnkushJain 5 месяцев назад

Your welcome

@merasafar8644 9 месяцев назад

Sir bank ne costumer ko machinary pe 1 cr ka loan Diya hai then in future costumer npa ho jata hai to machinary ki value Kam ho jayegi loan recover kaise hoga

@AnkushJain 9 месяцев назад

Property bhi to mortgage hai

@merasafar8644 9 месяцев назад

Thank you sir

@AnkushJain 9 месяцев назад

Your welcome

@gurpreetSingh-pz7bo 2 года назад

Dear sir, Hypo. of Crops is a kind of Floating Charge or fixed charge...?

@AnkushJain 2 года назад

Floating

@PVA747 4 месяца назад

CC kya hota h uspe please ek video bnaye usme

@AnkushJain 4 месяца назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-aRvUSQY2mIs.html

@PVA747 4 месяца назад

@@AnkushJain thank you sir,You are amazing

@PVA747 4 месяца назад

If there is any vacancy for Credit Manager post in Ranchi,Dhanbad or Bokaro then please let me know.

@AnkushJain 4 месяца назад

Thank you

@AnkushJain 4 месяца назад

Will post if I find any

@art_soul_words 3 года назад

Do banks funds only on the basis floating charges? I mean usually banks take property as a collateral also? Right?

@AnkushJain 3 года назад

There are many type of funding wherein collateral is not required and only floating charge is enough. Like channel finance etc.

@TheSuresh2022 2 года назад

Sir, fixed and exclusive charge are same??

@AnkushJain 2 года назад

No both are separate concepts. Exclusive charge can be fixed or floating

@ravisingla7972 3 года назад

Kindly make a lecture on analysis of jamanbandi fard

@AnkushJain 3 года назад

Already in process. Will release it by next weekend

@ravisingla7972 3 года назад

@@AnkushJain I request you to kindly consider the imp of Nec certificate in that video....mean Nec cerification vs legal Report ... Your videos are very informative...

@AnkushJain 3 года назад

@@ravisingla7972 NEC certificate is relevant mostly in registered mortgage cases. Since in registered mortgages, charge is registered with sub-registrar office and it will reflect in NEC as well. Otherwise in normal cases, your property will be mortgaged with one bank and still you will get clean NEC without any indication of any charge. Lawyer ask to document the certificate to keep the mandatory docs in custody so that in case of default, we can plea to court that we had verified the property in every aspect.

@ravisingla7972 3 года назад

@@AnkushJain thanks ankush ji...😊