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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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Knowledge Hub
Lending
Difference between LC and SBLC – Simplified
Letter of Credit (LC) and the ‘Standby Letter of Credit’ (SBLC) are used by Importers and Exporters in International Trade to ensure…
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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
Interest Coverage Ratio in Banking — Formula, Example & How Banks Use It for Loan Decisions
What Is Interest Coverage Ratio in Banking? The Interest Coverage Ratio (ICR) — also called the Times Interest Earned (TIE) ratio —…
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Articles
Bank Promotion
Kisan Credit Card (KCC): Complete Guide for Bank Promotion Exams 2026
← Bank Promotion Exam Hub 2026›Kisan Credit Card (KCC) ⚡ Quick Facts — Kisan Credit Card (KCC) Introduced 1998 — based on…
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Articles
Knowledge Hub
CGTMSE Scheme Explained in detail [updated]
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a government-backed guarantee scheme that enables banks to extend collateral-free loans…
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Lending
Articles
Letter of Credit (LC): Complete Guide for Bank Promotion Exams
← Bank Promotion Exam Hub 2026›Letter of Credit & UCP 600 ⚡ Quick Facts — Letter of Credit Governing framework UCP 600…
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Articles
Knowledge Hub
What is RBI’s 5/25 Scheme?
Infrastructure and core industries projects have a long gestation periods and large capital investments. The repayment period for loans to such sectors…
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Lending
Articles
Different types of mortgage – Equitable mortgage and Registered mortgage
A mortgage is the transfer of interest in an immovable property to a lender as security for repayment of a loan, defined…
0
Lending
Articles
CGTMSE Cover Limit increased to Rs.2 Crores
On 31st December 2016, Prime Minister announced that coverage under Credit Guarantee Scheme will be increased to Rs.2 crores. Till now, the…