NBFC
│
├── TYPE-I
│ ├── Registered Type-I NBFC
│ └── Unregistered Type-I NBFC
│
└── TYPE-II
├── Public funds and/or customer interface
└── RBI registration compulsory
│
├── TYPE-I
│ ├── Registered Type-I NBFC
│ └── Unregistered Type-I NBFC
│
└── TYPE-II
├── Public funds and/or customer interface
└── RBI registration compulsory
✍3
1. Registered Type-I NBFC
✅ RBI se Certificate of Registration (CoR) liya hua hai.
✅ Public funds use nahi karti.
✅ Customers ke saath direct interface nahi hota.
✅ RBI ke under registered rehti hai.
✅Asset Size ≥ ₹1,000 crore (or voluntarily registered below ₹1,000 crore)
2. Unregistered Type-I NBFC
✅ Public funds use nahi karti.
✅ Customer interface nahi hota.
✅ Asset size < ₹1,000 crore.
✅ RBI registration (Section 45-IA) se exempt hai.
✅ Internal/group funds se kaam karti hai.
✅ RBI ke supervisory powers phir bhi lagu rahte hain.
TYPE-II NBFC
✅✅✔️✔️Asset size can be ANY amount.
✅ Public funds avail karti hai and/or customer interface rakhti hai.
✅ RBI registration mandatory hai.
✅ Isme deposit-taking aur normal lending NBFCs aati hain.
✅ Stricter regulation aur supervision hoti hai.
Includes
• Deposit-taking NBFCs (NBFC-D)
• Lending NBFCs
• Housing Finance Companies (HFCs)
• Core Investment Companies (CICs)
• Infrastructure Debt Funds (IDF-NBFC)
• NBFC-P2P, Account Aggregators etc. having customer interface
✍3❤1👌1
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) – 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 ₹40,000 lagate ho, broker ₹60,000 deta hai → Total ₹1,00,000 ke shares kharid sakte ho.
One-liner:
MTF = Broker se loan lekar shares kharidne ki facility.
👏1👌1
1. NEFT (National Electronic Funds Transfer)
RBI dwara operated electronic fund transfer system.
One-to-one fund transfer ke liye use hota hai.
24×7 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.
✍3👌1
2. RTGS (Real Time Gross Settlement)
RBI dwara operated high-value fund transfer system.
24×7 available.
Minimum amount: ₹2 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 (₹2 lakh and above).
✍4👌1
TO DO -
Daily Po Pre mocks + Analysis
Mains Batch LR+QA
Weekly EN Mains sectional + Analysis
GA daily + Revision of past months
❤15
ASSET stages
Special Mention Account (SMA)
↓
NPA (>90 days overdue)
↓
Sub-Standard Asset
↓
Doubtful Asset
↓
Loss Asset
❤4
Category Overdue Period
SMA-0 1–30 days
SMA-1 31–60 days
SMA-2 61–90 days
🤔3❤2
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 ≤ 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.
❤2👌2
0–90 days overdue
↓
SMA-0 (1–30 days)
SMA-1 (31–60 days)
SMA-2 (61–90 days)
↓
>90 days overdue
↓
NPA
↓
Sub-standard (up to 12 months)
↓
Doubtful (>12 months as Sub-standard)
↓
Loss Asset
👌2❤1
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%–1% (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
👌1
Hypothecation
is the practice of pledging an asset as security for a loan without transferring ownership or possession of the asset to the lender.
Example
You own and use the car.
The car is pledged to the bank as security.
If you fail to repay the loan, the bank has the legal right to seize and sell the car to recover its money.
hypothecation.❤5
which committee introduced LEAD BANK concept?
Anonymous Quiz
31%
Narasimham Committee
33%
Gadgil committee
12%
Usha Thorat Committee
25%
Nachiket Mor Committee
Exercise Khand Quest , which country is the host ?
Anonymous Quiz
41%
Kazakistan
24%
Mongolia
19%
Ujbekistan
16%
Saudi Arabia