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* **Insolvency and Bankruptcy Board of India (IBBI)** is the regulatory authority responsible for implementing and supervising the **Insolvency and Bankruptcy Code, 2016**.
* Established on **1 October 2016** under the Ministry of Corporate Affairs.
* Headquarters: **New Delhi**.
* Regulates **Insolvency Professionals (IPs), Insolvency Professional Agencies (IPAs), and Information Utilities (IUs)**.
* Objective: **Time-bound resolution of stressed assets**, maximisation of asset value, and promotion of entrepreneurship and credit availability.
* Governs insolvency processes for **corporates, partnership firms, and individuals**.
* Corporate insolvency resolution process (CIRP) must normally be completed within **180 days**, extendable to **330 days including litigation**.
* Default threshold to initiate CIRP for companies: **โน1 crore** (revised from โน1 lakh in 2020).
* Adjudicating authorities:
* **NCLT** for companies and LLPs.
* **DRT** for individuals and partnership firms.
* Committee of Creditors (CoC) takes key decisions in CIRP by **66% voting share**.
* Insolvency professionals manage the debtorโs affairs during resolution.
* If resolution fails, **liquidation** is ordered under IBC provisions.
* IBBI issues **regulations, guidelines, and model bye-laws** for insolvency ecosystem entities.
* Maintains **databases and disclosures** related to insolvency cases.
* Promotes **research, awareness, and capacity building** in insolvency law.
* Plays a key role in improving **ease of doing business and credit discipline** in India.
* Established on **1 October 2016** under the Ministry of Corporate Affairs.
* Headquarters: **New Delhi**.
* Regulates **Insolvency Professionals (IPs), Insolvency Professional Agencies (IPAs), and Information Utilities (IUs)**.
* Objective: **Time-bound resolution of stressed assets**, maximisation of asset value, and promotion of entrepreneurship and credit availability.
* Governs insolvency processes for **corporates, partnership firms, and individuals**.
* Corporate insolvency resolution process (CIRP) must normally be completed within **180 days**, extendable to **330 days including litigation**.
* Default threshold to initiate CIRP for companies: **โน1 crore** (revised from โน1 lakh in 2020).
* Adjudicating authorities:
* **NCLT** for companies and LLPs.
* **DRT** for individuals and partnership firms.
* Committee of Creditors (CoC) takes key decisions in CIRP by **66% voting share**.
* Insolvency professionals manage the debtorโs affairs during resolution.
* If resolution fails, **liquidation** is ordered under IBC provisions.
* IBBI issues **regulations, guidelines, and model bye-laws** for insolvency ecosystem entities.
* Maintains **databases and disclosures** related to insolvency cases.
* Promotes **research, awareness, and capacity building** in insolvency law.
* Plays a key role in improving **ease of doing business and credit discipline** in India.
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Write an email to the IT department about suspicious phishing emails received by customers and request urgent cyber-security action.
Subject: URGENT: Multiple Customer Reports of Phishing Emails - Action Required
Dear IT Security Team,
Several customers have reported receiving suspicious, fraudulent emails impersonating our company, requesting urgent action or sensitive information. These phishing attempts likely aim to steal credentials or install malware. I have attached a sample email with headers for your investigation.
Details:
Sender Address: [Insert fraudulent sender address here]
Subject Lines: [Insert subject lines]
Suspicious Links/Attachments: [List links/attachments]
Please initiate an urgent investigation, identify the scope of this phishing campaign, and implement protective measures (e.g., blocking the domain, updating firewall rules) to prevent customer data compromise.
Thank you,
[Your Name]
[Your Title]
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Key India Stack DPI Platforms:
Aadhaar: Biometric-based digital identity platform (UIDAI) for authentication.
Unified Payments Interface (UPI): Real-time, interoperable digital payment system.
DigiLocker: Cloud-based document wallet for storing and sharing verified digital documents.
eSign / eSign Desk: Aadhaar-linked electronic signature service for verifying documents.
e-KYC: Paperless, instant identity verification.
API Setu: A platform enabling secure, standardized data exchange between government systems.
Account Aggregator (AA) Framework: Consent-based, secure sharing of financial data.
Data Empowerment and Protection Architecture (DEPA): A framework ensuring citizens control their data, used in financial and health contexts.
Additional::::
CoWIN: End-to-end management of vaccination services.
UMANG: A unified platform for accessing government services via mobile/web.
DIKSHA: National platform for school education and teacher training.
Government e-Marketplace (GeM): Portal for public procurement of goods and services.
eSanjeevani: National telemedicine service.
BHASHINI: AI-powered, real-time language translation platform.
U-WIN: Digital platform for immunization management.
PM GatiShakti: GIS-based mapping for infrastructure planning.
POSHAN Tracker: Nutritional monitoring system.
Skill India Digital Hub (SIDH): Digital platform for training and skill development.
National Non-Communicable Diseases (NCD) Platform: Digital screening and management system.
CBDC (Digital Rupee): Central Bank Digital Currency for digital transactions.
These platforms are designed to enhance accessibility to services, foster financial inclusion, and promote efficient, transparent governance
1. Centralized Payment System
A single integrated platform that processes and settles digital payment transactions.
Managed under central authority/regulator to ensure security, efficiency, and uniform standards.
Enables real-time or near real-time settlement of funds between banks and users.
Examples in India include systems like RTGS, NEFT, and UPI.
Benefits: faster settlement, reduced operational risk, better monitoring of transactions, improved financial inclusion.
2. Payment Aggregator (PA)
A third-party service provider that enables merchants to accept digital payments without creating their own payment infrastructure.
Collects payments from customers and settles them with merchants after processing.
Requires authorization from the banking regulator and must follow capital, security, and KYC norms.
Handles onboarding of merchants, compliance, dispute resolution, and settlement.
Examples: companies that allow online stores to accept cards, UPI, wallets, etc., through one integration.
3. Payment Gateway
A technology interface that securely transfers payment information from the customer to the acquiring bank or payment processor.
Performs encryption, authentication, and authorization of transactions.
Does not hold customer funds (unlike a payment aggregator).
Used in e-commerce websites, apps, and online services.
Ensures secure and quick processing of debit card, credit card, net banking, and UPI payments.
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Targets jinhone send kiye hain unhe access de dia gaya hai
This rule has only one purpose: Discipline ๐ฏ
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Kabil banna hai ... Sirf khilone jaisi pyari gudiya nahi๐
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revision k liye badhiya hai na?
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๐ดHierarchy in SBI
Clerical Cadre (Entry Level)
Junior Associate (JA) โ Customer Support & Sales (Entry-level clerical position)
Senior Associate
Special Associate
Chief Associate
Officer Cadre (Management Grades)
Junior Associates can become officers through internal examinations (JMG-I) or promotions.
Junior Management Grade Scale-I (JMGS-I): Assistant Manager / Probationary Officer (PO)
Middle Management Grade Scale-II (MMGS-II): Deputy Manager
Middle Management Grade Scale-III (MMGS-III): Manager / Senior Manager
Senior Management Grade Scale-IV (SMGS-IV): Chief Manager
Senior Management Grade Scale-V (SMGS-V): Assistant General Manager (AGM)
Top Management Grade (Executive Level)
Top Management Grade Scale-VI (TMGS-VI): Deputy General Manager (DGM)
Top Management Grade Scale-VII (TMGS-VII): General Manager (GM)
Chief General Manager (CGM) (Scale-VIII)
Deputy Managing Director (DMD)
Managing Director (MD)
Chairman
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maa rool
maa gamla
tu fool
๐คฃ15
galti se bees chat group delete kr dia hai
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