41
Lending
Articles
Siphoning of Funds vs Diversion of Funds — RBI 2024 Meaning, Examples & Wilful Default
When a bank borrower defaults, investigators and credit officers must determine how the money was used — and whether the default was…
42
Lending
Articles
Pari Passu Charge: Meaning, Example & Implications for Bankers
Pari passu charge is one of the most commonly used security structures in consortium and multiple banking arrangements in India. When two…
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Articles
DA for Bank Employees Aug 2026 — Expected ~27.47% | May–Jul 2026: 25.70% Confirmed
DA for bank employees from August 2026 is estimated at ~27.47% under the 12th Bipartite Settlement — with April 2026 CPI-IW…
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Drawing Power Formula & Calculation in Cash Credit — With Worked Example
Drawing power (DP) is the amount you can actually withdraw from a cash credit account on any given day — calculated…
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Articles
Vacancies for CGM, GM, DGM and AGM increased in all Public sector banks.
Finance minister has approved revision in CGM level post in public sector banks. Earlier, the CGM (Chief General Manager) post was permitted…
46
Lending
Articles
What is working Capital?
Working Capital is a financial indicator of operational liquidity of a business organization. Working Capital is the short term assets to cover…
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Articles
CGTMSE Fee Structure 2026 — Complete Guide with Calculation Examples
What Is CGTMSE? CGTMSE — the Credit Guarantee Fund Trust for Micro and Small Enterprises — is a joint initiative of the…
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Articles
5 Days Banking – Is it dead?
Bankers in India are asking for 5 days banking for more than a decade now. Where some countries are now shifting to…
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Articles
Supplementary Charter of Demand submitted to IBA
As per AIBOC Circular dated 13.09.2023, the officers’ associations today, submitted a Supplementary Charter of Demand to the IBA incorporating many more…
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Articles
DA for Bankers from May 2023
📅 Archived — May–July 2023 DA Looking for current DA? See DA from May 2026 → DA for Bankers is expected to…