Lecture 92: How to do Meeting and Personal discussion with the Borrower with Visit to his factory.

Meeting with the borrower (Also called Personal discussion i.e. PD with the borrower in banking sector) is essential part in credit manager's profile in banks. In this video, We shall have general discussion about what are the key points to keep in mind while visiting the premises of the borrower and doing personal discussion. These points are all based on my practical experience in the same field. Some highlights shall be:
1. Keeping you eye, ear, mouth and mind open while visiting.
2. Getting idea about the locality and surrounding areas of the factory.
3. Name board on the factory.
4. Meeting with the promoter- With key points to be taken care while doing discussions.
5. Visiting the factory and getting various things noticed there.
6. Visiting the collateral security and things to be noticed there.
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उधारकर्ता के साथ बैठक (जिसे बैंकिंग क्षेत्र में उधारकर्ता के साथ व्यक्तिगत चर्चा यानी पीडी भी कहा जाता है) क्रेडिट मैनेजर के प्रोफाइल का अनिवार्य हिस्सा है। इस वीडियो में, हम इस बारे में सामान्य चर्चा करेंगे कि उधारकर्ता के परिसर का दौरा करते समय और व्यक्तिगत चर्चा करते समय किन मुख्य बिंदुओं को ध्यान में रखना चाहिए। ये सभी बिंदु उसी क्षेत्र में मेरे व्यावहारिक अनुभव पर आधारित हैं। कुछ हाइलाइट्स होंगे:
1. भ्रमण करते समय अपने आंख, कान, मुंह और दिमाग को खुला रखें।
2. कारखाने के इलाके और आसपास के क्षेत्रों के बारे में जानकारी प्राप्त करना।
3. कारखाने पर नाम बोर्ड।
4. प्रमोटर के साथ बैठक- चर्चा करते समय ध्यान रखने योग्य प्रमुख बिंदुओं के साथ।
5. कारखाने का दौरा करना और वहां विभिन्न चीजों का अवलोकन करना।
6. संपार्श्विक प्रतिभूति का दौरा करना और वहां ध्यान देने योग्य बातें।

[@nitinsharma4979]

Thank you sir for your guidance it is very helpful for person working in credit profile role and it a benchmark on how to discuss a proposal with promoters because it comes with experience.And most important learning and take up from your guidance we should ask questions based on situation

[@AnkushJain]

Thank you

[@HimanshuSharma-if5ue]

I also do PD of customers but no one in my office even my reporting manager didn't taught me to do PD by going into too deep about client' business. Thank you Ankush sir for giving this wonderful knowledge.

[@AnkushJain]

👍👍👍

[@akshaygurav1636]

Hii sir, This is one of the best video on personal discussions.

[@AnkushJain]

Thank you 😊

[@मनोजकुमारदेशभक्त]

गज़ब... आपका तरीका शानदार 👌👌👌

[@AnkushJain]

Thank you

[@hiteshrawal3052]

Didn't expected any mentor to share this offbeat experience of PD & Factory Visit. Thanks so much sir for sticking so much to practicality. 🙏🏼😊

[@AnkushJain]

Thank you 👍

[@prashantdhamane1692]

Thank you for giving valuable knowledge...No one shares this types of knowledge...Thank you Sir

[@AnkushJain]

Your welcome 👍

[@tarakantbhandari227]

Hi Sir, This video is very helpful for new credit guys. Request to you kindly make a video for complete process from login to disbursal. And also make separate videos for all types of business ownership like individual, proprietorship, partnership firm, pvt ltd firm, LLP etc

[@AnkushJain]

👍

[@varunpandey4675]

Thank you Sir, you are awesome 🙏🙏🙏

[@AnkushJain]

Thank you

[@bhikhaji8725]

Sir....it's a humble request to you. You provide knowledge for Banker awesome. No word to explain how it's a useful. But just request your segment/ industry funding video not show. Please help to Use that.

[@AnkushJain]

Hi. You need to subscribe to membership programme @Rs. 200 per month

[@bhikhaji8725]

@@AnkushJain Sir Whether it is given every month or for one time ?

[@AnkushJain]

It is monthly. However you can unsubscribe and rejoin anytime as per your convenience

[@amanbhardwaj1000]

Great video and channel ever by a banker.

[@AnkushJain]

Thank you 😊

[@ankursri5167]

Tom i hv to go on PD... 🙏 Now Voice is too good and clear... Now waiting video for financial commentary on top 10 header of CMA. Thanks

[@AnkushJain]

Yeah sure 👍

[@shahrukh2433]

Thank you so much sir for sharing … BTW jata sales person hi hai sb jagah PD krane hum credit walo ko 😋😋😋

[@AnkushJain]

😊😊👍 yes

[@shahnawazalam6320]

Watching every video

[@AnkushJain]

Thank you

[@ksunnysrivastav]

We need to know about income assesment for self employed person.

[@AnkushJain]

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[@NaganpureDeepak]

Thanks Sir.

[@AnkushJain]

Your welcome 👍

[@Tandonshab1188]

Hloo sir Video PD pe Kaise baat hoti h Custmor Se(link se jo hota) And kya Process rhta h sir.

[@AnkushJain]

Will make a video

[@sheetaljain9448]

Sir please make videos on NBFC funding/Realestate funding/ship breaking industries and other specific industries .

[@AnkushJain]

Noted

[@arnabganguly5634]

Sir what are the questions or discussions to be done with shopkeepers when they first come to branch for working capital loan. It would be really very helpful if you can make a video on it.

[@AnkushJain]

I have already made a video on karyana store business

[@harshitvijay2930]

Thnk u so much sir for such valuable videos.. Really helpful. Sir kindly also guide how to make clear understanding on legal as I am in home loan sector and having less experience in legal

[@AnkushJain]

I have one video on title search report

[@harshitvijay2930]

@@AnkushJain sir I hv seen that valuable video but how can I make more grip over legal concepts

[@AnkushJain]

You have to keep on engaging with your lawyer in the bank. Only working experience can get you more knowledge about it

[@harshitvijay2930]

@@AnkushJain thnk u sir

[@AnkushJain]

👍

[@krishnapandey3088]

What sort of work pressure are there for cedit manager in private sector banks? Like Working hours and other aspects..

[@AnkushJain]

Pressure is there.. timings are high during month end only..

[@krishnapandey3088]

@@AnkushJain I hope that months end pressure are only for 2-3 days. Is it more than that?

[@AnkushJain]

No, usually from 14th/15th of every month to 26th or 27th.. this is a peak case sanctioning time for credit team

[@krishnapandey3088]

@@AnkushJain During interview at Utkarsh small finance Bank yesterday, they were saying that approximately 60-70% of the time goes for PD only. Is it correct?Does every file require PD? Whether Relationship team is responsible to accompany the credit manager for doing PD or credit manager is responsible for self visit.?

[@AnkushJain]

Every file need to be visited although some big banks has policy that for small loans pd not required.

[@surbhirani456]

Sir ye pd apne factory collateral ki btayi h koi simple shop ya showroom ya normal senp case ki pd ka video btaiye

[@AnkushJain]

Ok 👍

[@ShazaibFaridi-pb7qd]

Ye wali video hai apky pas

[@abhijeetbhovad6176]

Hello sir, Which types of questions to ask the customer in a salaried case.

[@AnkushJain]

Vintage Qualification Position Salary bifurcation and in hand salary Whether house rented or owned Family business and details Major expenses including existing loans

[@abhijeetbhovad6176]

Thank you sir

[@AnkushJain]

Your welcome

[@archanaagarwal57]

And if a fresher is joining, how many PDs he is expected to do and how many loans finalization he is expected to do?

[@AnkushJain]

That cannot be quantified. It depends on bank to bank and location to location

[@TheSuresh2022]

Sir, please make video on foir

[@AnkushJain]

Yeah 👍

[@gradeupbuddy496]

Sir CAM bnana kaise shuru kre please guide??

[@AnkushJain]

Please watch these two videos 1st, kzbin.info/www/bejne/j4rNm2CXpJZ2naM

[@AnkushJain]

2nd, kzbin.info/www/bejne/f4qyhoBobp6Sfac

[@akshaygurav1636]

Hii sir Can you make a video legal and technical part of the home loan.

[@AnkushJain]

Pl check this playlist kzbin.info/aero/PLjlclsu02a_yLPIMo6TtPcdKF-r9A0dgh

[@souravamat1904]

Sir kon karta hey PD Credit Manager of Credit Operation Executive

[@AnkushJain]

Credit manager

[@vaibhavkurandare4954]

Executive also

[@patidaronlypatidar6655]

Sir mere 1 biga Jamin par makan banaya hai, jamin ka registration hai , kya mejhe loan mil jayega 🙏🙏🙏

[@AnkushJain]

Ha income k basis pe construction k liye mil jayega

[@patidaronlypatidar6655]

Sir loan against agriculture land lone Lena hai or ghar mene Jamin par bana hai , mein usme ratha bhu hu , kya mujhe loan Mel jayega 🙏🙏🙏🙏🙏🙏

[@AnkushJain]

Agri land pe nhi milega..

[@patidaronlypatidar6655]

Bank of india, lap - for farmer loan Mel jayega sir , mein bank of india ka regular costomer bhe hu , please make on video it , how to take a loan from boi 🙏🙏🙏🙏

[@archanaagarwal57]

Ek PD ke baad, how much time it takes to close it, like to sanction loan if a fresher is doing this

[@AnkushJain]

Ye to depend krta hai bank to bank, person to person and availability of all required info.. if all info is available and queries are resolved then sanction should be in Max 1-2 days

[@archanaagarwal57]

@@AnkushJain ok and if all info is available then how much time it requires to analyse for a fresher

[@AnkushJain]

2 days and it depend on ticket size of loan

[@AmanGupta-bm1yf]

Want to make career in credit field. Pls guide me.

[@AnkushJain]

kzbin.info/www/bejne/epfLlJibqrV6ocU Pl watch this video

[@vinay94095]

Can i have the what's app group link

[@AnkushJain]

chat.whatsapp.com/HuCF5VEbm9zCOstPFW9UNt

[@AmanGupta-bm1yf]

Sir, want to talk you .

[@AnkushJain]

Pl message your query

[@ramugehlot1274]

Thank you sir

[@AnkushJain]

👍

[@amolshukla5397]

Thanks Sir

[@AnkushJain]

Your welcome