๐16๐3
Bharat Health Initiative for Sahyog Hita & Maitri (BHISM)
๐ฟ5
๐ Countries in news: MAY 2026 ๐ฐ
โ Trinidad & Tobago (T&T): ๐น๐น
Prime Minister (PM) - Kamla-Persad Bissessar ๐คต
Capital - Port of Spain ๐
Currency - Trinidad and Tobago Dollar (TTD) ๐ด
โ Jamaica: ๐ฏ๐ฒ
Prime Minister (PM) โ Andrew Michael Holness ๐คต
Capital โ Kingston ๐
Currency โ Jamaican dollar (JMD) ๐ด
โ Cyprus: ๐จ๐พ
President - Nikos Christodoulides ๐
Capital - Nicosia ๐
Currency - Euro (EUR) ๐ถ
โ 5-nation tour ๐-
UAE ๐ฆ๐ช, Netherlands ๐ณ๐ฑ, Sweden ๐ธ๐ช, Norway ๐ณ๐ด and Italy ๐ฎ๐น.
โ United Arab Emirates (UAE): ๐ฆ๐ช
President - Sheikh Mohamed bin Zayed Al Nahyan ๐
Capital - Abu Dhabi ๐
Currency - UAE Dirham (AED) ๐ด
โ Netherlands: ๐ณ๐ฑ
Prime Minister (PM) - Rob Jetten ๐คต
Capital - Amsterdam ๐
Currency - Euro (EUR) ๐ถ
โ Sweden: ๐ธ๐ช
Prime Minister (PM) - Ulf Kristersson ๐คต
Capital - Stockholm ๐
Currency - Swedish Krona (SEK) ๐ด
โ Norway: ๐ณ๐ด
Prime Minister (PM) - Jonas Gahr Stรธre ๐คต
Capital - Oslo ๐
Currency - Norwegian Krone (NOK) ๐ด
โ Italy: ๐ฎ๐น
Prime Minister (PM) โ Giorgia Meloni ๐ฉโ๐ผ
Capital - Rome ๐
Currency - Euro (EUR) ๐ถ
โ Vietnam: ๐ป๐ณ
President - To Lam ๐
Capital - Hanoi ๐
Currency - Vietnamese Dong (VND) ๐ด
โ Canada: ๐จ๐ฆ
Prime Minister (PM) - Mark Carney ๐คต
Capital - Ottawa ๐
Currency - Canadian Dollar (CAD) ๐ด
โ5โค3
Type I NBFC:
No public funds; No customer interface
Assets size < Rs.1,000 crore
โ2
NBFC
โ
โโโ TYPE-I
โ โโโ Registered Type-I NBFC
โ โโโ Unregistered Type-I NBFC
โ
โโโ TYPE-II
โโโ Public funds and/or customer interface
โโโ RBI registration compulsory
โ
โโโ TYPE-I
โ โโโ Registered Type-I NBFC
โ โโโ Unregistered Type-I NBFC
โ
โโโ TYPE-II
โโโ Public funds and/or customer interface
โโโ RBI registration compulsory
โ3
1. Registered Type-I NBFC
โ RBI se Certificate of Registration (CoR) liya hua hai.
โ Public funds use nahi karti.
โ Customers ke saath direct interface nahi hota.
โ RBI ke under registered rehti hai.
โ Asset Size โฅ โน1,000 crore (or voluntarily registered below โน1,000 crore)
2. Unregistered Type-I NBFC
โ Public funds use nahi karti.
โ Customer interface nahi hota.
โ Asset size < โน1,000 crore.
โ RBI registration (Section 45-IA) se exempt hai.
โ Internal/group funds se kaam karti hai.
โ RBI ke supervisory powers phir bhi lagu rahte hain.
TYPE-II NBFC
โ โ โ๏ธโ๏ธAsset size can be ANY amount.
โ Public funds avail karti hai and/or customer interface rakhti hai.
โ RBI registration mandatory hai.
โ Isme deposit-taking aur normal lending NBFCs aati hain.
โ Stricter regulation aur supervision hoti hai.
Includes
โข Deposit-taking NBFCs (NBFC-D)
โข Lending NBFCs
โข Housing Finance Companies (HFCs)
โข Core Investment Companies (CICs)
โข Infrastructure Debt Funds (IDF-NBFC)
โข NBFC-P2P, Account Aggregators etc. having customer interface
โ3โค1๐1
Learn through These notes. Exam relevant ๐ฏ๐ฏ\
โค10โ1๐1
What is the asset size for TYPE II NBFCs?
Anonymous Quiz
22%
Not define, can be ANY
29%
>1000cr
30%
<1000cr
17%
=1000cr
3%
None of the options
MARGIN TRADING FUNDING (MTF) โ Quick Notes
MTF me broker aapko paise udhaar dekar shares kharidne me madad karta hai.
Aap kuch paisa (margin) lagate ho, baaki broker fund karta hai.
Isse kam paise me zyada shares kharide ja sakte hain (leverage).
Broker ke fund par interest dena padta hai.
Shares loan chukane tak broker ke paas pledge rehte hain.
Regulated by: SEBI
Example
Aap โน40,000 lagate ho, broker โน60,000 deta hai โ Total โน1,00,000 ke shares kharid sakte ho.
One-liner:
MTF = Broker se loan lekar shares kharidne ki facility.
๐1๐1
1. NEFT (National Electronic Funds Transfer)
RBI dwara operated electronic fund transfer system.
One-to-one fund transfer ke liye use hota hai.
24ร7 available (including holidays).
No minimum amount limit.
Maximum limit: RBI ne koi limit prescribe nahi ki (bank apni limit laga sakta hai).
Settlement: Half-hourly batches (batch-wise settlement).
Chhote aur medium value transactions ke liye suitable.
Beneficiary ko amount batch ke next settlement cycle me mil jata hai.
Shortcut:
NEFT = No minimum limit + Batch-wise settlement.
โ3๐1
2. RTGS (Real Time Gross Settlement)
RBI dwara operated high-value fund transfer system.
24ร7 available.
Minimum amount: โน2 lakh.
Maximum amount: RBI ne koi upper limit prescribe nahi ki (bank apni limit set kar sakta hai).
Settlement: Real-time aur individual basis par (Gross basis).
High-value aur urgent transactions ke liye suitable.
Fund transfer hote hi beneficiary account me credit ho jata hai.
Shortcut:
RTGS = Real Time + Gross + High Value (โน2 lakh and above).
โ4๐1
๐ค8๐ฏ4โก3๐ฅฐ2๐1
TO DO -
Daily Po Pre mocks + Analysis
Mains Batch LR+QA
Weekly EN Mains sectional + Analysis
GA daily + Revision of past months
โค15
This media is not supported in your browser
VIEW IN TELEGRAM
ASSET stages
Special Mention Account (SMA)
โ
NPA (>90 days overdue)
โ
Sub-Standard Asset
โ
Doubtful Asset
โ
Loss Asset
โค4
Category Overdue Period
SMA-0 1โ30 days
SMA-1 31โ60 days
SMA-2 61โ90 days
๐ค3โค2
2. NON-PERFORMING ASSET (NPA)
Interest ya principal 90 days se zyada overdue ho.
Asset NPA category me aa jata hai.
3. SUB-STANDARD ASSET
Asset jo NPA bane hue โค 12 months ho.
Recovery possible hai, but risk badh gaya hai.
4. DOUBTFUL ASSET
Asset jo 12 months se zyada Sub-standard category me raha ho.
Recovery highly uncertain hoti hai.
5. LOSS ASSET
Asset identified by bank/RBI/auditor as uncollectible, although amount may not yet be fully written off.
Recovery ki possibility bahut kam ya negligible hoti hai.
โค2๐2
0โ90 days overdue
โ
SMA-0 (1โ30 days)
SMA-1 (31โ60 days)
SMA-2 (61โ90 days)
โ
>90 days overdue
โ
NPA
โ
Sub-standard (up to 12 months)
โ
Doubtful (>12 months as Sub-standard)
โ
Loss Asset
๐2โค1
STANDARD ASSETS (Performing Assets)
Aise loans jisme borrower regular principal aur interest time par pay kar raha ho.
Koi default nahi hua hota.
Risk level: Low
Provisioning (Banks): Around 0.25%โ1% (asset category ke hisab se)
STRESSED ASSETS
Sabhi aise assets jahan repayment me problem aa rahi ho ya aane ki possibility ho.
Isme include hote hain:
NPAs (Non-Performing Assets)
Restructured Loans
Written-off Assets
Risk level: Medium to High
๐1