Channel address:
Categories:
Education
Language: English
Subscribers:
2
Description from channel
We are Providing only Free Materials.
CivilServices Prelims 2022
Contact Admin @virat122
Ratings & Reviews
Reviews can be left only by registered users. All reviews are moderated by admins.
5 stars
0
4 stars
1
3 stars
2
2 stars
0
1 stars
0
The latest Messages 3
2022-05-13 08:21:09
@UPSCPrelimsMains
@UPSC_Prelims_Books
@UPSC_Mains_Books
@UPSC_Optional_Books
@TestSeries4UPSCPrelims
@TestSeries4UPSCMains
Join Soon
21 views05:21
2022-05-13 07:40:28
I AM ADDING 100 MEMBERS TO MY PRIVATE CHANNEL.
THE LINK BELOW WILL BE DELETED IN 15 sec. SO JOIN FAST DONT MISS THIS CHANCE
ALL Updated Notes, Video Lectures, 5000+ E-books, Magazines, Current affairs etc. Hurry Up Join Now
https://t.me/joinchat/AAAAAEjLRk45yxpVc6sVFA
Link will be deleted Soon
20 views04:40
2022-05-13 05:43:19
Non Performing Assets (NPA)
NPAs refer to loans which are in risk of default. Reserve Bank of India (RBI) defines NPAs as below:
AN ASSET, INCLUDING A LEASED ASSET, BECOMES NON-PERFORMING WHEN IT CEASES TO GENERATE INCOME FOR THE BANK.
As per guidelines issued by the RBI, banks classify an account as NPA only if the interest due and charged on that account during any quarter is not serviced fully within 90 days from the end of the quarter.
Conditions to become NPA
An asset becomes NPA when it ceases to generate income for the bank –
Term Loan – Interest and/or installment of principal amount remain overdue for more than 90 days
Overdraft / Cash Credit – The account remains ‘out of order’ for 90 days
Bill – The bill remains overdue for more than 90 days in the case of bills purchased and discounted
Short duration crops – The installment of principal or interest remains overdue for 2 crop seasons
Long duration crops – The installment of principal or interest remains overdue for 1 crop season
Securitisation transaction – The amount of liquidity facility outstanding for more than 90 days
Derivative transaction – The overdue receivables representing positive mark-to-market value of a derivative contract, if these remain unpaid for 90 days from the specified due date for payment.
Basis of Classification of Non Performing Asset (NPA)
Banks are required to classify NPAs into the following 3 categories based on how long do they remain non-performing.
The three categories are – Substandard Assets, Doubtful Assets and Loss Assets.
Substandard Assets – If an account remains as NPA for a period less than or equal to 12 months
Doubtful Assets – An asset would be classified as doubtful if it has remained in the substandard category for 12 months.
Loss Asset – A loss Asset is one where loss has been identified by the bank’s internal or external auditors or upon an RBI inspection.Join @UPSC_Mains_Notes_Materials
29 views02:43
2022-05-13 04:51:16
https://t.me/UPSC_Mains_Notes_Materials/2536
21 views01:51
2022-05-12 17:33:06
(4th Edition) CAPF PAPER 2 BOOK For 2022 Exam Preparation.
To Buy Book Click Here :- https://tinyurl.com/mv225v8s
Watch Detailed video Essays - English + Hindi
Argument writing
Report writing
Precis
Comprehension
Grammar
This book is Exclusive for CAPF 2022 Exam
Only Book for Paper 2 in India with All current topics covered
12000+ copies sold in last 5 year's - Trusted Book
For Support Call or WhatsApp @ 9346623310 Or Email @ avksacademy@gmail.com
36 views14:33
2022-05-12 16:52:50
Don't Buy Test series , Join Our Channel And Attmept A Lot Of Questions Free Of Cost
Link -
https://t.me/+mh6MYdzGFrQ5Y2Fl
https://t.me/+mh6MYdzGFrQ5Y2Fl
Keep Practicing for your Prelims exam
26 views13:52
2022-05-12 12:19:50
UPSC Prelims Notes
https://t.me/+VYy4Vx9tE-ARX2yX
UPSC Mains Notes
https://t.me/+gvjyWxTVP_JlMzVl
UPSC State PCS Exam
https://t.me/+2PSMowKISWE4ZjNl
Join fast, Link deleted soon
40 views09:19
2022-05-12 07:58:52
For UPSC 2023 Students who can't afford high coaching fees and are doing self study.
Features
300 Topic Tests, 18000 Questions
Daily Target with Live Topic Test
Attempt Test anytime if missed Live test
Group Discussion after test
Desktop Login Access
App link
https://play.google.com/store/apps/details?id=co.jarvis.tpo
Sale ends at 12pm
48 views04:58
2022-05-11 20:33:09
Indian History
https://t.me/+2I3eO-f64WY2MWM1
Indian Geography
https://t.me/+lRrCYAC-SBg4OGRl
Indian Economy
https://t.me/+Ne_b5kfUp7Y0YzU9
Indian Art and Culture
https://t.me/+m8rN0snCOONhNDRl
Indian Constitution
https://t.me/+HqC6bBNhx2VkNzc9
Join Soon
Link will be deleted Soon
36 views17:33