Bihar me Urban infrastructure development k liye 500Mn USD ka loan kisne State govt ko provide kia tha?
Anonymous Quiz
56%
Asian Development Bank (ADB)
24%
World Bank
11%
DSB Bank
10%
International Development Association (IDA)
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tukka marlo, jitna marna ho๐คฃ
๐ญ19๐4๐ป2๐คจ1๐ค1
โ๏ธLive Mock Updates | 8th July
โช๏ธSBI PO โ Oliveboard
โช๏ธSBI PO โ Testbook
โช๏ธSBI PO โ Guidely
โช๏ธIBPS PO โ Practice Mock
โช๏ธSBI PO โ Oliveboard
โช๏ธSBI PO โ Testbook
โช๏ธSBI PO โ Guidely
โช๏ธIBPS PO โ Practice Mock
๐ฆ Writing Off (Loan Write-off) โ Banking & Finance โ๏ธ
๐ค Writing Off kya hota hai? โโ- ยปยปยปยป
Writing Off ka matlab hai bank apni books (accounts) se loan ko hata deta hai, kyunki usse lagta hai ki ab us loan ki recovery hona bahut mushkil hai.
โ ๏ธ Important:
โ Write-off ka matlab loan maaf (waive) karna nahi hota.
โ Bank baad me bhi recovery ki koshish karta rehta hai.
๐ Easy Example
๐ค Rahul ne bank se โน5 lakh ka loan liya.
Kai saal tak EMI nahi di.
Recovery ke baad bhi paisa nahi mila.
Bank ne us loan ko Write-off kar diya.
๐ Ab bank ke balance sheet me wo loan Asset nahi dikhega.
๐ Lekin agar Rahul ke paas future me paisa aaye, to bank usse recovery fir bhi karega.
โ Bank Write-off kyun karta hai?
๐ผ 1. Balance Sheet Clean rakhne ke liye
NPA (Bad Loans) kam dikhte hain.
Financial statements zyada realistic lagti hain.
๐ 2. Actual Profit/Loss dikhane ke liye
Fake assets ko books me rakhne ka fayda nahi.
๐ฆ 3. RBI Accounting Norms Follow karne ke liye
Purane doubtful loans ko write-off karna padta hai.
โ๏ธ 4. Tax Benefit
Kuch cases me bank ko tax deduction ka benefit mil sakta hai.
โ Advantages
โจ Balance Sheet Clean hoti hai.
๐ Financial Health better dikhti hai.
๐ฆ Management ko actual position pata chalti hai.
๐ฐ Tax benefit mil sakta hai.
๐ Recovery process fir bhi continue rehti hai.
โ Disadvantages
๐ธ Bank ko accounting loss show karna padta hai.
๐ Log galat samajh lete hain ki loan maaf ho gaya.
๐ Agar recovery na ho to bank ka profit impact hota hai.
โ ๏ธ Large write-offs public criticism ka reason ban sakte hain.
๐ซ Write-off vs Waiver (Exam Favourite)
โ๏ธ Write-off
๐ Loan Waiver
Sirf accounting entry
Loan completely maaf
Recovery continue rehti hai
Recovery band ho jaati hai
Loan legally exist karta hai
Borrower ki liability khatam
Mostly banks karte hain
Usually Government announce karti hai
๐ฏ Exam Trick (1 Line)
๐ก "Write-off = Books se hatao, Recovery chalao." ๐โก๏ธ๐ฐ
๐ก "Waiver = Loan maaf, Recovery khatam." ๐โ
Yaad Rakho:
โ Write-off โ Loan Waiver
Write-off sirf accounting treatment hai, loan cancellation nahi. ๐จ
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โคโ๐ฅ8
Where is Kamrajar port situated?
Anonymous Quiz
15%
Chennai
66%
Thoothukudi
14%
Vellore
6%
Coimbatore
Highest rubber producing state in India ?
Anonymous Quiz
18%
Karnataka
36%
Kerala
20%
Jharkhand
14%
Tamil Nadu
12%
Andhra Pradesh
โค1
๐ค2
Jo log padh nahi rahe na, mat padho
mujhe kya
mujhe kya
๐คฃ25๐ป3๐2
JULY 1st Week revision 2026
NAtional Affairs
โค5
Union Minister JP Nadda, Minister of Health and Family Welfare(MoHFW) chaired the 16th Conference of the Central Council of Health and Family Welfare (CCHFW) held at Vigyan Bhawan in New Delhi, Delhi.
Which of the following initiatives were launched ?
Which of the following initiatives were launched ?
Anonymous Quiz
8%
Samagrashishu bal swasthya karyakram [SSBSK]
23%
Surakshit Matritva Aashwasan (SUMAN) Roadmap 2030
5%
Anaemia Mukht Bharat (AMB)
9%
Only 1 & 3
21%
ony 1 & 2
13%
only 2 & 3
21%
All are true
โค1
Target to reduce the Maternal Mortality Ratio (MMR) to below 70 per one lakh live births by
Anonymous Quiz
40%
2030
37%
2047
20%
2035
2%
2070
This year 20th Statistics Day was celebrated. On which date it is celebrated every year?
Anonymous Quiz
11%
26th June
45%
29th June
18%
30th June
26%
1 July
PM Family Care Tracker Pilot Project Launched in โโโ- [gujarat] to Strengthen Welfare Delivery ?
Anonymous Quiz
24%
Ahemdabad
51%
Gandhinagar
13%
Khavada
3%
Surat
9%
Sanand
Cabinet Approves Rs 30,000 Crore Additional Investment in which of the following entity, with total commitment to Rs 60,000 Cr ?
Anonymous Quiz
1%
Data Security
26%
Quantum chip manufacturing
66%
National Investment and Infrastructure Fund (NIIF)
7%
National Infrastructure Development Trust
โค2
________ signed a Memorandum of Understanding (MoU) with the Indian Institute of Technology (IIT) Madras to launch the Corporate Mitra Scheme.
Anonymous Quiz
11%
Ministry of Home Affairs
10%
Ministry of finance
48%
Ministry of Commerce and Industries
31%
Ministry of Corporate Affairs
MIB Announces Two Key Initiatives to Boost Indian Film Industry.
The Constitution of a High-level Study Group and Model State Cinema Regulations,to strengthen Indiaโs film industry. Who is the Chairperson of High level study group ?
The Constitution of a High-level Study Group and Model State Cinema Regulations,to strengthen Indiaโs film industry. Who is the Chairperson of High level study group ?
Anonymous Quiz
41%
Prasoon Joshi
31%
Ajay Kumar Sood
20%
Ashwini Vaishnaw
8%
Shyamala Gopinath
MoF Retains Interest Rates on Small Savings Scheme unchanged for Q2FY27, No Revision for 9th consecutive quarter.
The interest rates in SSS were last changed in which of the following month along with year ?
The interest rates in SSS were last changed in which of the following month along with year ?
Anonymous Quiz
15%
Dec 2023
47%
Dec 2024
26%
June 2023
13%
June 2024
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