Get Mystery Box with random crypto!

DEAR SIR PDFs 📄

Logo of telegram channel dear_sir_pdfs — DEAR SIR PDFs 📄 D
Logo of telegram channel dear_sir_pdfs — DEAR SIR PDFs 📄
Channel address: @dear_sir_pdfs
Categories: Education
Language: English
Subscribers: 18.75K
Description from channel

Unofficial channel, channel is not violating any copyright infringement still if you have any issue contact admin
Buy ads: https://telega.io/c/dear_sir_Pdfs
For promotion
Contact - @monster2219

Ratings & Reviews

1.50

2 reviews

Reviews can be left only by registered users. All reviews are moderated by admins.

5 stars

0

4 stars

0

3 stars

0

2 stars

1

1 stars

1


The latest Messages

2023-06-12 18:42:01 Sabhi Ne Form Fill Kar liya???

Ask your queries
Ask your doubts
Share your fears
Share your problems


Get all your NEET problems solved By MBBS Student


https://exprto.com/book-trial-session.php?utm_source=Influencer&utm_medium=Telegram&utm_content=Shubham&utm_campaign=Lead_Camp-008

Only First 100 Students Fill This Form
176 views15:42
Open / Comment
2023-06-09 21:43:03 https://t.me/+Ex5crwFa9Q1jNmJl
156 views18:43
Open / Comment
2023-06-09 12:26:35 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.

Example of NPA
We suppose that a party was disbursed a loan on January 1, 2010. Its due date is June 1, 2010. But the party does not make a payment. So
It will be an Standard Asset from January 1, 2010 till June 1, 2010 (Due Date)
It will be a Special Mention Account From June 2, 2010 till August 29, 2010 (90 days)
It will be Sub-standard from August 30, 2010 till August 29, 2011
It will be doubtful from August 30, 2011 till August 29, 2012
It may remain doubtful Asset for a period of 3 years, beginning from 12 months of being an NPA, but once the auditors identify it as a loss, it will be assigned a loss asset; however, the period may be anything above 3 years

For more join-

https://t.me/upsc_ssc_banking_wallah_railway

https://t.me/ADDA247_BANK_NDA_USPC_SSC_PDFs

https://t.me/DEAR_SIR_Pdfs
452 views09:26
Open / Comment
2023-06-07 16:58:31 Role of Bacteria in nitrogen cycle

Nitrogen fixation:
(1) Many free-living soil inhabiting bacteria such as, Azotobacter (aerobic), Clostridium (anaerobic), etc. have ability to fix atmospheric nitrogen into ammonia.

(2) The other group of nitrogen fixing bacteria lives in symbiotic association with other plants.

(3) The most important symbiotic nitrogen fixing bacteria is Rhizobium spp.

(4) The various species of Rhizobium inhabit different leguminous plants. For example, R. leguminosarium infects soyabeans, etc.

(5) They develop root nodules and fix atmospheric nitrogen into ammonia in symbiotic association with leguminous plants.

(6) The fixed nitrogen is partly taken up by the leguminous plants and metabolised.

(7) A part of fixed nitrogen is diffused out into the surrounding soil.

Ammonification:
(1) The nitrogenous compounds of the dead remains of plants, animals and their excretory products are decomposed into ammonia by a number of bacteria and other microorganisms.

(2) The conversion of nitrogenous organic compounds into ammonia is termed as ammonification.

(3) It is carried by many ammonifying bacteria such as Bacillus ramosus, B. vulgaris, B. mycoides, etc.

Nitrification:
(1) Many bacteria enhance the nitrogen fertility of soil by converting ammonium compounds to nitrites (e.g., Nitrosomonas) and nitrites into nitrates (e.g., Nitrobacter).

(2) The Nitrosomonas group oxidizes ammonia into nitrite –

(3)The Nitrobacter group oxidizes nitrite to nitrates –



Denitrification:
The nitrates and ammonia are converted to nitrous oxide and finally to nitrogen gas by several denitrifying bacteria, e.g., Pseudomonas fluorescence, P. denitrificans, Bacillus subtilis, Thiobacillus denitirficans, etc.

Useful activities
(i) Decay of organic wastes
: Many saprotrophic bacteria act as natural scavengers by continuously removing the harmful organic wastes (i.e., dead remains of animals and plants) from man's environment. They decompose the organic matter by putrifaction and decay. The simple compounds produced as a result of decomposition and decay (viz., carbon dioxide, carbon monoxide, nitrates, sulphates, phosphates, ammonia, etc.) are either released back into the environment for recycling or absorbed by the plants as food. Thus, the bacteria play duel role by disposing of the dead bodies and wastes of organisms and by increasing the fertility of soil.

(ii) Role in improving soil fertility: Saprotrophic bacteria present in soil perform various activities for their survival. Some of these activities improve the fertility of soil by formation of humus, manure, etc.

(a) Humus: The microbial decomposition of organic matter and mineralization results in the formation of complex amorphous substance called humus. The humus improves the aeration, water holding capacity, solubility of soil minerals, oxidation-reduction potential and buffering capacity of the soil.

(b) Composting: It is conversion of farm refuse, dung and other organic wastes into manure by the activity of saprotrophic bacteria (e.g., Bacillus stearothermophilus, Clostridium thermocellum, Thermomonospora spp, etc.)

(c) Adding sulphates: A few sulphur bacteria (e.g., Beggiatoa) add sulphur into the soil by converting H2S into sulphates.

(iii) Sewage, disposal: Ability of anaerobic bacteria to purify the organic matter is used in the the sewage disposal system of cities. The faeces are stored in covered reservoirs and allowed to purify. The solid matter is decomposed into liquidy sludge which is passed through coarse filters. The effluent is finally purified and drained out into the river or used as fertilizer in the fields. The common bacteria involved in sewage disposal are – Coliforms (E. coli), Streptococci, Clostridium, Micrococcus, Proteus, Pseudomonas, Lactobacillus, etc.

(iv) Role in Industry: Useful activities of various bacteria are employed in the production of a number of industrial products. Some of these are given below

SHARE WITH YOUR FRIENDS
855 views13:58
Open / Comment
2023-06-06 14:39:38
Gaseous state[[Handwritten notes]]

For more join-

https://t.me/Bharat_panchal_LearnoHub_PDFs

https://t.me/cbse_jee_neet_icse_class_10_12
926 views11:39
Open / Comment
2023-06-06 14:08:49 BANKS IN INDIA

First bank in India
Bank of Hindustan (1770)

First Bank managed by Indians
Oudh Commercial Bank

First Bank with Indian capital
Punjab National Bank (Founder - Lala Lajpat Rai)

First Foreign Bank in India
HSBC

First bank to get ISO certificate
Canara Bank

First Indian bank outside India
Bank of India

First Bank to introduce ATM
HSBC (1987, Mumbai)

First Bank to have joint stock public bank (Oldest
)
Allahabad Bank

First Universal bank
ICICI Bank

First bank to introduce saving account

Presidency Bank (1833)

First Bank to introduce Cheque system

Bengal Bank (1833)

First bank to give internet banking facility

ICICI Bank

First bank to sell mutual funds
State Bank of India

First bank to issue credit cards
Central Bank of India

First Rural Regional Rural Bank (Grameen Bank)
Prathama Bank (sponsored by Syndicate Bank)

First bank to get "in principle" banking license

IDFC and Bandhan Bank

First Bank to introduce merchant banking in India

Grind lays bank

First bank to introduce block chain technology

ICICI Bank

First bank to introduce voice biometric

Citi Bank

First bank to introduce robot in banking service

HDFC Bank

first bank in India to allow video KYC

Kotak Mahindra Bank

first bank to introduce Iris Scan Authentication feature for Aadhaar based transactions through its micro ATM tablets
Axis Bank

Largest public sector bank in India

State Bank of India

Largest private sector bank in India

ICICI Bank

Largest foreign bank in India
Standard Chartered Bank

Bank with more branches in India
State Bank of India

For more join-

https://t.me/upsc_ssc_banking_wallah_railway

https://t.me/ADDA247_BANK_NDA_USPC_SSC_PDFs

https://t.me/DEAR_SIR_Pdfs
989 views11:08
Open / Comment
2023-05-31 16:41:07
MBBS IN RUSSIA

30 LAKHS PACKAGE

FOR ADMISSION INQUIRY :

WhatsApp : https://wa.link/o1yqim

Telegram : @yashng666

For More info Join this Channel
https://t.me/AdmissionSSMU2023

(Only a few seats are left)
2.3K views13:41
Open / Comment
2023-05-21 16:37:14 I'm Sakshi, I use TeraBox to share files, and I have earned 250 dollars

TeraBox provides unlimited storage space for webmasters! Highest CPM in market!
TeraBox Provides $0.12/new user plan, and $1.3/1000 video plays plan!
Don't hesitate any longer, start now! →

https://www.nephobox.com/webmaster?referer_uk=4401145343012

Official Staff:
https://t.me/celestelucky2
548 views13:37
Open / Comment
2023-05-20 17:58:22
Crack CLAT 2024 WITH STARGATE EDUCATION
All India CLAT Free Scholarship Test


26 May @ 1:00 pm

What do you gain from this?
- Comprehensive Free Full-Length
Mock Test
- Test curated by Top Industry Experts
- Chance to win up to 100% Scholarship to boost your prep
- Flat 40% scholarship to all the participant
- Detailed Free Paper Analysis after the test
- Free Legal Session by the Supreme Court Lawyer
-
So what are you waiting for?

Suggest your siblings and friends who are looking for Clat preparation

Date: 26 May 2023
Time: 1:00 pm
889 views14:58
Open / Comment
2023-05-17 19:38:50 Exam Related Current Affairs with Static Gk

17 May 2023


1) Kerala has become the first state in the country to have a drone surveillance system in all police districts in the state.
Kerala :-
➠Cherai Beach
➠Idukki Dam on Periyar River
➠Pamba River
➠Kumarakom National Park
➠Anamudi Shola National Park
➠Eravikulam National Park
➠Silent Valley National Park

2) Ayushmann Khurrana, a highly acclaimed actor in the Indian film industry, has taken on a significant role as the ambassador for the Indian team participating in the Special Olympics Journey to Berlin.

3) Maharashtra Chief Minister Eknath Shinde announced that the ambitious Coastal Road project being constructed in Mumbai city will be named after Chhatrapati Sambhaji Maharaj, the eldest son of Chhatrapati Shivaji Maharaj.
Maharashtra :-
➨ Sanjay Gandhi (Borivali) National Park
➨ Tadoba National Park
➨Nawegaon National Park
➨Gugamal National Park
➨Chandoli National Park

4) The indigenously designed and built ASW Corvette INS Kavaratti arrived in Batam, Indonesia, to participate in the 4th edition of the India-Indonesia Bilateral exercise Samudra Shakti-23.

5) Duroflex Private Limited, a mattress and sleep products maker, has signed cricketer Virat Kohli as its brand ambassador.

6) Indian Council of Medical Research (ICMR) under the Union Health Ministry successfully conducted a trial run of blood bag delivery by drones under its i-Drone initiative in New Delhi.


7) The International Day of Living Together in Peace is observed annually on May 16 to encourage peace, tolerance, inclusivity, understanding, and solidarity among individuals and communities globally.

8) Former All India Football Federation (AIFF) Vice-President A.R. Khaleel passed away at the age 91.
➨Khaleel, who had served as the president of the Karnataka State Football Association (KSFA) for 28 years, had also served as the AIFF treasurer and executive committee member.

9) Praveen Sood, the Director General of Police in Karnataka, has been appointed as the next director of the Central Bureau of Investigation (CBI).
Central Bureau of Investigation (CBI) :-
➨The CBI headquarter is located in CGO Complex, near Jawaharlal Nehru Stadium in New Delhi.
➨Formed - 1942 as the Special Police Establishment
➨Headquarters - New Delhi, India
➨Motto - Industry, Impartiality, Integrity

10) LiFE App has been launched by Bhupender Yadav, Union Minister for Environment, Forest, and Climate Change to catalyze youth action for climate change.

11) Indian-American Geeta Rao Gupta has been appointed by the US Senate as the Ambassador at Large for Global Women’s Issues in the State Department.

12) Noted educationist Manoj Soni took oath of office and secrecy as chairman, Union Public Service Commission (UPSC).

13) One 97 Communications Ltd, the parent company of fintech firm Paytm, has appointed Bhavesh Gupta as its president and chief operating officer.

14) Air Marshal Ashutosh Dixit took over as the Deputy Chief of the Air Staff.
➨Ashutosh Dixit, an alumnus of the National Defence Academy, was Commissioned in the fighter stream on December 6 in 1986.

15) Lieutenant General Devendra Sharma took over as the Chief of Staff of the Indian Army's Western Command.
➨The Lieutenant General is an alumnus of the National Defence Academy and Indian Military Academy.
1.3K views16:38
Open / Comment