Education loans up to ₹7,50,000 sanctioned through the IBA Scheme are eligible for the Credit Guarantee Fund Scheme for Educational Loans (CGFSEL). Third-party guarantee/collateral is waived off. Parents and spouses will be the co-obligates or joint borrowers. The applicants willing to pursu...
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Apart from exogenous shocks to credit supply, firms in financial distress may trigger write-offs, reducing a bank’s capital and therefore its ability to supply credit to businesses. This is in line with the observations of the global financial crisis where the write-off of loans preceded ...
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They also requested the ability to utilize SARFAESI for loans below ₹20 lakh and flagged issues affecting MFIs and green financing policies. 4 hours ago — Economic Times RBI moves to fine companies for availing foreign guarantee RBI has told at least two state-owned banks to penalize ...
It is also possible for larger banks to be more efficient, owing to advantages generated by their market power and ability to diversify credit risk. Larger banks can afford to have a diverse portfolio of loans and hence, better manage risks and costs associated with simple portfolios. Xiaogang ...
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