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In next two years your credit history will determine whether you can get loan or not!! Yes, it is because the present scenario is far from perfect where borrowers seek loans on the same rate regardless of their payment record and financial history which is unfair for those who are diligent with their payments. But now it will become more difficult for consumers to borrow unless they have a sound credit history across a range of products. Capturing of relevant and timely information by credit bureaus and its effective sharing with financial institutions will have important ramifications in driving the efficacy of the whole lending industry. Credit bureaus are steadily building their presence...
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Raju V P
| Commented
| 1 year ago
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Sonali, I think two years is very ambitious. For this to become practical and feasible, all payments have to be brought within the credit card payments. In India, we prefer to use our debit cards or cash or cheque rather than credit card. So how...
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Insight: "Want loan? your credit card history will be the deciding factor..." deleted from your view.
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Yes
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7
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No
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suresh patil
| Argues in support of
"Yes"
| 1 year ago
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YES INCRESE IN PRIVATE BANK HDFC BECAUSE SERVICES GIVEN TO ALL CUSTOMER IN TIME LIMIT. ALL BANK ARE UNDERTAKEN IN RBI
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Jaygopal Raghavan
| Argues in support of
"No"
| 1 year ago
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It is just not enough to train your staff - you will have to look at what kind of staff you have. An ageing staff in a public sector bank handling customers in a similar fashion for years cant suddenly be expected to change their attitude...
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Sonali Sarkar
| Argues in support of
"No"
| 1 year ago
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Sir can you please give a broader view through your experience that how are banks with bigger customer base grow better? HDFC bank started with only one branch and it took very less time to establish into what it is today. The customer base has...
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Debate: "Do Banks having bigger customer base grow better than new private bank?" deleted from your view.
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Its gre8 if u r not satisfied with ur present company
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let see
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Sonali Sarkar
| Argues in support of
"let see"
| 1 year ago
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I dont have much Idea...lets see how beneficial the policy is....
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AJAY KUMAR KHAITAN
| Argues in support of
"Its gre8 if u r not satisfied with ur present company"
| 1 year ago
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Want to know more about Mediclaim Portability
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Debate: "Now medicalim policy portability comes" deleted from your view.
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EASY STEPS TO COUNTER HIGH INFLATIONS
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Raise policy rates in the current fiscal
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NATTERAJA R. ARIKRISHNAN
| Supported idea
"EASY STEPS TO COUNTER HIGH INFLATIONS"
| 1 year ago
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In case the government stops all expenditure related to unproductive nature the inflation can be controlled. Government revenue should be increased through exports and reducing the borrowings from the world bank and financial institutions.
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H RAMASWAMY
| Added idea
"it is in the hands of the government's stern action against the hoarders and big wholesale dealers chain stores etc. "
| 1 year ago
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the government has to stop the online trading on commodities. only the poor people are losing money in many ways. the stock and shae broers lure the common middle class people of big money in short time and make them invest in the trading and...
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Ideate: "How can one counter high inflation which is there at the moment?" deleted from your view.
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(rate this)
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Yes
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13
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1
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No
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mallikarjuna
| Argues in support of
"Yes"
| 1 year ago
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they do need to,and not only fund some effort for uplifting the socieity has also to b made while executing the projejcts
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Sonali Sarkar
| Argues in support of
"No"
| 1 year ago
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There shouldnt/cant be any mandate for the Corporates for Social commitments.Let them do it by themselves realizing their capacities n capability. Personalities like Azim Premji(WIPRO) has already set an example for the miserly spending rich...
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Debate: "Should firms be mandated to spend 2% of profit on social causes?" deleted from your view.
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The Indian rupee gained 7 paise to Rs 45.17 against the US dollar in early trade on Tuesday at the Interbank Foreign Exchange, led by a higher opening in the stock market and weakness of the American currency against its major global rivals. The rupee had ended 12 paise lower at 45.24/25 against the US dollar in the previous session amid heavy dollar-selling by banks and importers. Forex dealers said in addition to dollar weakness against other Asian currencies and the Euro overseas, a higher opening in the stock market also supported the rupee sentiment. Read more: Rupee up 7 paise against US dollar - The Times of India http://timesofindia.indiatimes.com/business/india-business/Ru...
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Ankit Shah
| Commented
| 1 year ago
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"Rupee is likely to trade in a broad range of 45.05 - 45.30 during this week on account of Yera end factor. Also , some month end pressure can be seen on a currency due to persistent importers demand. target of 45.40 can be seen and a breach of...
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Sonali Sarkar
| Commented
| 1 year ago
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Thank you for sharing the information..the market is hot...can hope a further rise.
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Trends: "Rupee up 7 paise against US dollar" deleted from your view.
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MICRO FINANCE AND PUBLIC SECTOR BANKS The concept of microfinance is finally catching up. Quite a few establishments have come up in the country. But a lot more needs to be done. For the reason that main line banking failed miserably in this vital sector. The failure is there for every one to see. Borrowers wait in long ques in front of micro finance centres for getting loans as small as Rs 5000. The near by bank branch too is doing brisk business. But for a different set of customers. These small loans and their borrowers are not for the banks. There is no doubt the small borrowers need to be financed. This segment now depends solely on private financiers called blad...
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Suryanarayan Murthy
| Commented
| 1 year ago
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In my personal opinion, both sides (banker and the borrower) are good. The banker forget the small borrower once the loan is disbursed and loses contact with the borrower. The Banker has to be in touch with small borrowers on a weekly basis, study...
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Sonali Sarkar
| Commented
| 1 year ago
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Gud one mathai... Very useful, thanks for sharing.
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Insight: "rural lending..problems and prospects" deleted from your view.
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No, account for the money being spent right now
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Yes, this might help
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Suhas Dutta
| Argues in support of
"Yes, this might help"
| 1 year ago
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But should the government not account for the money that is in its hands already before asking for more?
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Sonali Sarkar
| Argues in support of
| 1 year ago
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Yes this might help to some extent. Seeing this other companies may come forward to do the same.
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Kandavel Raja
| Argues in support of
"No, account for the money being spent right now"
| 1 year ago
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We all happy to hear that "India Emerged as an Developed Country" by Barack obama, But are we know that we have to pay all our taxes even for our education, water, electricity, gas etc.. First account our money is being kept in Foreign Banks by...
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Debate: "PSUs asked to share 2% profit to boost education" deleted from your view.
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India and China, besides some developed countries, may face economic downturn in the coming months, according to an analysis by OECD -- a grouping of mostly advanced nations. It also said the global economic growth is slowing down. The latest reading is in contrast to the bullish outlook for fast-growing economies such as India, which tackled the global financial meltdown better than many other countries. The Organisation for Economic Cooperation and Development (OECD)'s latest Composite Leading Indicators (CLIs) released today show that global economic expansion is slowing down. CLI provide early signals of turning points in business cycles - fluctuations of economic activity around its l...
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Abdul Moyeen Khan
| Commented
| 1 year ago
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Sonali, this is the right time to think on this topic. The current situation shows that india as well as china is in upward trend in economic growth and it is also belived that after mid of 2011 the recession period will be copmletely finished....
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Kanti Mohan Pandit
| Commented
| 1 year ago
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Composite leading Indicators released by the Organisation for Economic Cooperation and Development (OECD) showing that global economic expansion is slowing down may be correct for the economic movement in the past but may not be valid for the...
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Insight: "India, China may face economic downturn in coming months: OECD" deleted from your view.
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In-store shoppers now rely more on debit cards than credit cards to make purchases. But if you're using your debit card for shopping this holiday season, here are some dos and don'ts you need to know. Don't use debit cards for big purchases They don't offer the same protection that credit cards do. Credit cards allow you to reverse or dispute charges, and some will even extend the length of warranties. Do watch what you spend Or you could get hit with nasty overdraft charges. New laws that restrict overlimit fees on credit cards don't apply to overdraft fees on debit cards. And banks often enroll debit customers automatically in overdraft protection programs, which can carry an annualized i...
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RENJITH K K
| Commented
| 1 year ago
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That was a great information shared. Keep posting similar articles
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Insight: "When not to use a debit card......" deleted from your view.
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