Loan approval analysis- Feb 2024
20:33
Пікірлер
@arnabganguly5634
@arnabganguly5634 Сағат бұрын
Sir could you please make a video on funding to Fly ash bricks unit. It would be highly beneficial as we need to do sanction next month.
@arnabganguly5634
@arnabganguly5634 Сағат бұрын
Sir one of our customers applied mudra loan of 8 lakhs. His turnover is 3 lakhs. Is it good to go or should we quit.
@yolopug3889
@yolopug3889 3 сағат бұрын
sirji what is the risk if customer is not routing churn through my bank but is having churn in other bank accounts. WHY my bank is adamant on stipulating mandatory churn in our bank
@kunalagarwal003
@kunalagarwal003 10 сағат бұрын
Very beautifully explained👏
@AnkushJain
@AnkushJain 10 сағат бұрын
Thank you
@SimantaFT
@SimantaFT 19 сағат бұрын
Hi Sir, I saw the full analysis till the end. I do appreciate your patience and selfless effort !
@AnkushJain
@AnkushJain 10 сағат бұрын
Thank you
@RAHULGUPTA-1111
@RAHULGUPTA-1111 21 сағат бұрын
Sir, in lecture no. 99 you said Rs. 5 crore limit under CGTMSE scheme is also available to Traders but in this lecture you are saying traders can have benefit of PSL only. It means traders ko cgtmse me loan nhi milega?
@AnkushJain
@AnkushJain 7 сағат бұрын
No mil jayega.. cgtmse is available to them also
@mahibanker
@mahibanker 22 сағат бұрын
well defined. thank you
@AnkushJain
@AnkushJain 8 сағат бұрын
Thank you
@pranaysinha6300
@pranaysinha6300 Күн бұрын
Great sir
@AnkushJain
@AnkushJain Күн бұрын
Thank you
@arnabganguly5634
@arnabganguly5634 Күн бұрын
Sir what is the available balance in term loan accounts in cibil report.
@AnkushJain
@AnkushJain 7 сағат бұрын
Can u share pic in telegram group?
@shivprakashsaroj8926
@shivprakashsaroj8926 Күн бұрын
Till last …enjoyed
@AnkushJain
@AnkushJain Күн бұрын
@@shivprakashsaroj8926 great 😃
@sumeetmanocha4236
@sumeetmanocha4236 Күн бұрын
Hi Ankush ji Can you please clarify the below points: 1. Can BG limit exceed MPBF amount. 2. Can LC limit exceed MPBF amount. 3. If yes then how will it be disbursed under Multiple Banking Arrangement 4. Can over all NFB exposure exceed MPBF
@AnkushJain
@AnkushJain Күн бұрын
1. Performance BG can but financial BG cannot 2. LC cannot exceed
@sumeetmanocha4236
@sumeetmanocha4236 8 сағат бұрын
Thank you ji
@AnkushJain
@AnkushJain 8 сағат бұрын
@@sumeetmanocha4236 your welcome
@SukkurjanBegom
@SukkurjanBegom Күн бұрын
Please help me im tired of applying for loan but not getting from any website so if i make udyam registration number then i will get loan
@AnkushJain
@AnkushJain Күн бұрын
What's your business
@SukkurjanBegom
@SukkurjanBegom Күн бұрын
@@AnkushJain garments
@SukkurjanBegom
@SukkurjanBegom Күн бұрын
Kiya udyam registration mein GST ka bhi likha rehta hai nhi toh loan nhi milega plz reply
@rashidata2859
@rashidata2859 2 күн бұрын
Hi, sir its a crisp clear lecture. May i have a one question that if seller need an urgent payment and buyer agrees to that then why he is not going for acceptance. Thanking u in advance
@AnkushJain
@AnkushJain 2 күн бұрын
Thank you
@skoobidoo28
@skoobidoo28 2 күн бұрын
Avtar ho app credit ke liye Sir
@AnkushJain
@AnkushJain 2 күн бұрын
Thank you
@arnabganguly5634
@arnabganguly5634 3 күн бұрын
Sir approx. how much times the property value should be for loan amount taken.
@AnkushJain
@AnkushJain 3 күн бұрын
This depends on internal policy of the bank
@vivekvedpathak4187
@vivekvedpathak4187 3 күн бұрын
Sir, How to calculate Solvency of a Customer OR How to Calculate Capability of a customer.
@AnkushJain
@AnkushJain 3 күн бұрын
It's a long series of analysis which I have already covered in my videos step by step. Example: 1. Check free properties and assets value 2. Financial analysis 3. Banking analysis 4. Cibil analysis etc. There are many more things in this
@yolopug3889
@yolopug3889 4 күн бұрын
you are doing god's work sirji thank you🙏🏻
@AnkushJain
@AnkushJain 4 күн бұрын
Thank you
@A-R-K37
@A-R-K37 4 күн бұрын
Very Good Ankush Sb. the way you have explain in native language with practical examples is mind blowing. Also you can include the reversal of the BG so that contractor can ask bank to revoke lien the collaterals.
@AnkushJain
@AnkushJain 4 күн бұрын
Thank you
@vpstocktradingfoodlover6004
@vpstocktradingfoodlover6004 4 күн бұрын
Sir ye important hai ,Kotak me CLOS me working capital me URC expiry date mangta hai
@AnkushJain
@AnkushJain 4 күн бұрын
Iska as such koi expiry nhi hota
@Naveen_Nkv
@Naveen_Nkv 5 күн бұрын
Hello sir telegram per add krna tha frd ko ho nhi rha per
@AnkushJain
@AnkushJain 5 күн бұрын
Ye link bhej do usko t.me/caankushjain1991
@abhishekdwarikavasi2915
@abhishekdwarikavasi2915 5 күн бұрын
Very informative sir Mai aapki Vedios apne juniors ko Bhi share karta hu …I want ki wo log Bhi executive se higher position par aaye and life me grow Kare. Aapki Vedios Bahut informative hoti hai 😊
@AnkushJain
@AnkushJain 5 күн бұрын
Thank you 😊
@sidvsthewind
@sidvsthewind 5 күн бұрын
Machinery details also sir
@AnkushJain
@AnkushJain 5 күн бұрын
I will check this
@ashishvishwakarma9429
@ashishvishwakarma9429 5 күн бұрын
Msme me registration ke bad tax dena padata hai kya .agar ha to Kitana
@AnkushJain
@AnkushJain 5 күн бұрын
Tax ka msme se koi frk nhi padta.. vo vaise hi dena pdega
@amitchoudhary686
@amitchoudhary686 5 күн бұрын
Well explained Sir
@AnkushJain
@AnkushJain 5 күн бұрын
Thank you
@hkhatnani8462
@hkhatnani8462 6 күн бұрын
What is counter indemnity?
@AnkushJain
@AnkushJain 5 күн бұрын
Haven't heard about it before
@hkhatnani8462
@hkhatnani8462 6 күн бұрын
Sir what is omnibus guarantee ??
@AnkushJain
@AnkushJain 5 күн бұрын
No i haven't heard about it
@hkhatnani8462
@hkhatnani8462 6 күн бұрын
Sir pls share link for Subscription in which u have covered in detailed working capital videos
@AnkushJain
@AnkushJain 6 күн бұрын
Membership joining link kzbin.info/door/E4CwHclbqMgdYCH6lDQmDAjoin
@PoojaGupta-ko1qe
@PoojaGupta-ko1qe 6 күн бұрын
Thanks sir your video really helpful 🙂🙂🙂
@AnkushJain
@AnkushJain 6 күн бұрын
Your welcome
@shailendersingh90
@shailendersingh90 6 күн бұрын
BHAIYA KFS ki calculation par video kijiye
@AnkushJain
@AnkushJain 6 күн бұрын
@@shailendersingh90 👍👍
@devendraacharya8469
@devendraacharya8469 6 күн бұрын
Good job
@AnkushJain
@AnkushJain 6 күн бұрын
@@devendraacharya8469 thank you
@arnabganguly5634
@arnabganguly5634 7 күн бұрын
Sir could you please make a video on takeover of non fund based facilities.
@AnkushJain
@AnkushJain 6 күн бұрын
Noted
@avinashjha3414
@avinashjha3414 7 күн бұрын
Thank you Sir, for providing such a informatic video🙏
@AnkushJain
@AnkushJain 7 күн бұрын
Your welcome
@AnkushJain
@AnkushJain 7 күн бұрын
Your welcome
@umeshjoshi7523
@umeshjoshi7523 7 күн бұрын
Sir if URC is self declaration basis then as a banker how to be sure that the the clarification is correct and not because customer can do wrong self declaration .
@AnkushJain
@AnkushJain 7 күн бұрын
We also have the financials of the client and we can check the sales and investments value
@umeshjoshi7523
@umeshjoshi7523 7 күн бұрын
@@AnkushJain Sir one doubt more. Sales will be auto fetched from ITR or GST return. ?
@AnkushJain
@AnkushJain 7 күн бұрын
@@umeshjoshi7523 gst
@dhananjaysingh97
@dhananjaysingh97 7 күн бұрын
I have done my MBA in finance & I’ve experience 1 year in accounting as a account exicutive . So how much salary we expect ?
@AnkushJain
@AnkushJain 7 күн бұрын
In which segment and location?
@dhananjaysingh97
@dhananjaysingh97 7 күн бұрын
@@AnkushJain as a credit manager non banking sector
@dhananjaysingh97
@dhananjaysingh97 7 күн бұрын
@@AnkushJain location Lucknow
@gauravsharma9501
@gauravsharma9501 7 күн бұрын
Sir, I am writing to seek clarification regarding the Udhyam registration process in the context of a change in business entity name. We have a customer who has recently changed their business entity name while retaining the same GST number. They currently hold an Udhyam registration under the old entity name. Given that the GST number remains unchanged, we would like to understand the following: Is it possible for the customer to obtain a new Udhyam registration under the new entity name despite having the same GST number? What steps should the customer follow to update their Udhyam registration accordingly? Your guidance on this matter would be greatly appreciated, as it will help us assist our customer effectively. I look forward to your prompt response
@AnkushJain
@AnkushJain 6 күн бұрын
I will be making video about changes in udyam registration certificate
@pramodshrivastava665
@pramodshrivastava665 7 күн бұрын
Thanx for information.
@AnkushJain
@AnkushJain 7 күн бұрын
Your welcome
@poemsandwritings9115
@poemsandwritings9115 8 күн бұрын
I have a question if promoter money is rs 5 and bank is funding 20 rs for sale of rs 25 then it is 80% bank is funding . Then how 20% of turnover is loan eligibility. Please guide
@AnkushJain
@AnkushJain 7 күн бұрын
Sales is Rs. 100 not Rs. 25
@arnabganguly5634
@arnabganguly5634 8 күн бұрын
Sir if profits are shared to avoid tax is it good i mean legal
@AnkushJain
@AnkushJain 7 күн бұрын
Yeah legal as long as books of accounts are genuine
@MonikaGoyal-rs4js
@MonikaGoyal-rs4js 8 күн бұрын
Sir ...your videos are really helpful....Thank you for making such knowledgeable videos😊
@AnkushJain
@AnkushJain 8 күн бұрын
Thank you
@arnabganguly5634
@arnabganguly5634 8 күн бұрын
Sir how yo check fund diversion
@AnkushJain
@AnkushJain 8 күн бұрын
It depends on case to case basis...
@arnabganguly5634
@arnabganguly5634 8 күн бұрын
Sir one of our small enterprises customer has requested for takeover. When we said there will be a penalty of 4% he told as per rbi circular there is no such penalty for small enterprises. Can you please guide
@arnabganguly5634
@arnabganguly5634 8 күн бұрын
Sir can you please guide on this.
@AnkushJain
@AnkushJain 7 күн бұрын
Ask him to share RBI circular. There is no rbi circular except for home loans
@arnabganguly5634
@arnabganguly5634 7 күн бұрын
@@AnkushJain No, banks cannot charge foreclosure charges or pre-payment penalties on loans to micro and small enterprises (MSMEs). This is in accordance with the Reserve Bank of India (RBI) guidelines and the Bank Code for MSEs. This one he send it to me.
@AnkushJain
@AnkushJain 7 күн бұрын
@@arnabganguly5634 ok can u share that to me? I am not able to find it since long online
@arnabganguly5634
@arnabganguly5634 7 күн бұрын
​@@AnkushJainsir I came to know it's mentioned in BCSBI report. Can you please chk.
@arnabganguly5634
@arnabganguly5634 8 күн бұрын
Sir to judge a borrower whether he is falling in small enterprise we need to take last year BS and PL statement to chk turnover and investment. Please confirm i am right or wrong.
@AnkushJain
@AnkushJain 7 күн бұрын
Yes