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Articles
Knowledge Hub
Micro, Small & Medium Enterprises
Definition of MSME [Micro, Small & Medium Enterprises] as per The Micro, Small & Medium Enterprises Development Act 2006. An enterprise is…
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Lending
Articles
Primary Security vs Collateral Security — Complete Guide for Bank Promotion Exams
Primary Security and Collateral Security are fundamental concepts tested across all bank promotion exams — Scale I to Scale IV, JAIIB, CAIIB,…
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Articles
Bank Promotion
Pre-Shipment Finance & Packing Credit: Complete Guide for Bank Promotion Exams 2026
⚡ Quick Facts — Pre-Shipment Finance & Export Credit What is packing credit?Loan/advance for purchase, processing, manufacturing or packing of goods before…
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Articles
Knowledge Hub
How DA is calculated for Bank employees?
Dearness Allowance (DA) for bank employees is calculated every quarter using the All-India Consumer Price Index (AICPI) published by the Ministry of…
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Lending
Articles
Credit Guarantee Fund for Micro Units (MUDRA)
Credit Guarantee Fund for Micro Units (CGFMU) was notified by Govt. on 18th April 2016 and has been made effective retrospectively for loans…
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Articles
Knowledge Hub
RBI Guidelines on Loans Against Shares, Debentures & Bonds — LTV, Margin & Key Rules (2026)
Banks in India may grant loans against the security of shares, debentures, and bonds — but only within the limits and conditions…
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Regulations
Knowledge Hub
Publish photographs of only Wilful Defaulters – RBI
Reserve Bank of India, on 29th September, 2016 directed banks and financial institutions to publish photographs of only wilful defaulters in the…
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Articles
Knowledge Hub
How to Verify geniuneness of Income Tax Returns
Income Tax Return (ITR) is the first thing banks asks for after KYC documents for any type of loan. The borrower submits…
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Misc.
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How to know someone’s PAN number?
PAN or Permanent Account Number although primarily issued for Income Tax purpose but is necessary for many transactions and occasions. PAN is…
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Articles
Knowledge Hub
How to Verify PAN online or Know PAN Details & ITR
KYC is an important process in Banks and one of the important document submitted by customer is PAN (Permanent Account Number). It is…