Loan approval analysis- Jan 2024- Why these loan files were approved

[@rakeshgaikwad3348]

Thank you for Practical Case study sir, expecting many more in this regards.

[@AnkushJain]

Thank you

[@ramudgaryadav2760]

Great sir

[@AnkushJain]

Thank you

[@saraswatirinku]

Thankyou for blessing us with practical knowledge 😊

[@AnkushJain]

Your welcome

[@gautambhankri2141]

Thanks sir🙏🙏

[@AnkushJain]

Your welcome

[@anvikshagupta1672]

In respect of case 1, my first question is that if we are financing for construction of the building then can we consider the civil engineer certificate in place of invoices in addition to visit of unit on each and every disbursement. and my second question is, at the time of assessment of loan, the valuer assess the valuation of IP including the proposed construction. In that case can we consider the value of civil construction as proposed by valuer to calculate the collateral coverage in respect of OD enhancement as you discussed in this case.

[@AnkushJain]

1. It is practically difficult.. invoices need to be obtained as we have charge over building and invoices are funded by us therefore they need to be in our custody 2. Yes we can if banks internal guidelines allows

[@rohitbhatia1537]

Sir Plz share your Petrol Pump Assessment video

[@AnkushJain]

kzbin.info/www/bejne/n6KzhKeFltp8m7s

[@gauravthukral27]

Capital kaise introduce hogi iss case... Upfront hogi ya with every time disbursement ke saath...kyunki saara upfront disburse nahi karenge... Kaise check karenge capital introduction in case of partial disbursement... Bills check kar hi pata lagega

[@AnkushJain]

Har disbursement k sath aayegi with ca certificate

[@gopalkrishna8977]

sir now a days noticing CA's are giving certificates with Udin for capital Infusion but if we actually looking in bank statements there is no infusion or infusions is less than prescribed . further after 1 or two months they withdraw and again at thae time of renewal they infuse

[@AnkushJain]

Then this matter must be escalated to seniors and audit team.. bank should blacklist such CA

[@karangalgotra785]

Sir ye capital wala kya point hai plz thoda samjhaye

[@AnkushJain]

Kon sa? Main samjha nhi

[@karangalgotra785]

@@AnkushJain ki capital introduced krni pdegi why ?

[@AnkushJain]

Kon se vale case mein bola tha ye maine?

[@karangalgotra785]

7:11

[@MAXTERN-vc5fp]

Cam sheet bnana sikha dijiye sir

[@AnkushJain]

Average banking balance? Ye to har ik bank ka alag way hota hai..

[@pareshupadhyay8213]

Sir ji PD vale video k liye sab ki alag alag paid karni hogi fee

[@AnkushJain]

No. Single payment hai jisse saari video ka access milega

[@pareshupadhyay8213]

@@AnkushJain and sir duration

[@AnkushJain]

1 month. It is monthly payment

[@pareshupadhyay8213]

@@AnkushJain sir ji every month auto dabit hoga kya payment or membership

[@pareshupadhyay8213]

Because of mene abhi Li h membership to mandate auto-pay aara h

[@divyanshumittal9958]

Thanks for practical approach rather than theories approach

[@AnkushJain]

Thank you

[@Vijendrabhau]

Huge pressure as a CPA I am unable to handle. Lots of Cases in Kotak Unsecured BL , Banking and GST surrogate coming. I am hired for Working Capital so APART OD/CC, HL and LAP cases coming . I am not gripping as I am New. Joined kotak on 11 Jan 24. Kese kru. I have to prepare FAT ( CAM) lots of Banking and GST perfios. Punching that into CAM then AUDIT FINANCIAL. KESE KRU.

[@AnkushJain]

Just give yourself time. It takes 6-7 months to get setlled

[@Vijendrabhau]

Sir currently I am in kotak WC as a CPA Off role . Can I get chance in ICICI on roll as a Assistant manager after 1 year . I have completed 3 month . Or kahan chance mil sakta hai

[@AnkushJain]

Qualification kya hai?

[@Vijendrabhau]

@@AnkushJain BTech and MBA( Finance)

[@avinashpiyush909]

Same scenario is with me and I am thinking to do mba in finance..so that i can get job in credit manager..sir will my plan work?

[@AnkushJain]

Direct aise nhi milega.. pehle cpa level pe 2 yrs spend kro and cpa ka kaam first year mein seekho and 2nd year mein credit manager ka kaam sikhne ki koshish kro ache se.. Then shift kro kisi nbfc ya small finance bank mein as branch credit manager.. after that vaha 2 yrs lagao atleast and sb ache se seekho.. thereafter career shoot up krega

[@RajanKumar-gh2qx]

Hi Sir, In first case against 2.70 Cr of Land Market Value apne Rs 2 Cr s TL structure kiya i.e., Collateral ka LTV 75%. Not including Building ka value as that will be stage wise and Prim. Security. Kya apke organisation me land pr itni high LTV lete hai? Hmare yaha to Distress Value pr count krte h LTV and even that at 50%.

[@AnkushJain]

yeah land pe funding bahut km krte hain

[@arunkumarvyamsani7693]

English subtitles sir please I am the member but losing some information I feel

[@AnkushJain]

Yeah, trying to get it done