Sir ...your videos are so full of day to day requirements of a credit analyst. I being in the line of processing, i wish I had found your videos in the beginning of my career... nevertheless.. happy to have come across the channel..thanks for all the intricate details being discussed sir.
Sir but in industry FOIR is calculated on Net surplus (Gross Income - Financial Obligations) then FOIR is applied upto 65% for household expenses and future contingencies, kindly help
What I have taught in the video is the formula which is accepted and used by most of the banks and nbfc. I am not aware if any few financial institutions above method of calculations. But in actual FOIR means only fixed obligation/income and there is no need for netting it off
Presently these are in Hindi and majority of my present audience understand Hindi. However I am planning to work on introducing English subtitles in the video
Sir ...your videos are so full of day to day requirements of a credit analyst.
I being in the line of processing, i wish I had found your videos in the beginning of my career... nevertheless.. happy to have come across the channel..thanks for all the intricate details being discussed sir.
Thank you Shruthi 👍
Thanks sir
Best Explains concept
Your welcome
Minor but important difference, amazing video sir👍
Thank you
Very Usefull Thanks 👍👍👍👍👍👍
👍👍
Informative....
Thank you
Thanks you Sir 🙏
Your welcome
Sir pls make video for adjusted pat, adjusted nca, bbs, leverage, dscr, calculation for all various type of proprietor, firm, llp
Will see
Thanks sir more videos please
😊😊
@@AnkushJain sir please make video on how to read SOA PLEASE
Noted
Sir please make video on important surrogates in LAP like Banking , Cash profit , turnover if possible
It will come in coming time
@@AnkushJain need on cash profit sir
?
Can LAP runnning in other bank can be taken over and either OD or DLOD be given by taking over LAP
OD can be given if lap was invested in working capital and there is no financial difficulty in client business to repay emi. DLOD can also be given
Sir
What is the minimum amt limit of working capital finance in which CC OD term loan DLOD BG LC also included.
11 lacs
Thanks sir. To remove my confusion quickly.
👍👍
How to prefer 44AD ITR in a loan system
Not understood.. pl elaborate
Can Home loan running on individual name in other bank can be taken over and aginst it either OD or DLOD be given ??
DLOD in individual name can be given but client will loose all benefits of HL in ITR. OD can't be given
Also kindly explain us dscr and loan assessment for nbfc sir
And preliminary docs for nbfc.
Pl find dscr video link
th-cam.com/video/OcR_82FS1Rs/w-d-xo.htmlsi=SoggEWDf-YOofdEf
No video prepared on nbfc yet
First viewer sir
👍
Can a firm avail OD from two or more different bank/NBFC??
Yes it can. But you have to check my multiple banking video on this to understand
You should explain if the trend is negative in turnover & capital is negative - how then DSCR is calculated
Calculation is same. Real question is what will happen if due to above negative trends the dscr falls below 1
Pls make video on pledge assessment
U mean warehouse finance
Under FOIR,in case of adding sister concerns income, in that case, we have to consider their obligations as well right sir?
Yes
Sir,
Pls make video on Credit Underwritig of car/vehicle loan..Pls..
It is long journey. I don't have experience in this product presently
@@AnkushJain sir,
There are no any single video for same..Pls try to make it from other sources in details...If possible
Ok
Sir, what I feel, we need to provide one or two lecture for cash flow statement in length with examples.
I have already made video on cash flow statement
Sir, Business Term loan me DSCR or FOIR kya use hoga??
If you are doing income based assessment then foir however if you doing financial based assessment then dscr
Hi ankush ,can you please make video on epc funding
Export packing credit?
@@AnkushJain yes sir
th-cam.com/play/PLjlclsu02a_wh9VBDcTNMaobK6SB2OCQf.html
Pl check videos in this playlist
Can we say, fOIR is meant for EMI based loan only & DSCR is for limits??
No
Ok
👍
Sir but in industry FOIR is calculated on Net surplus (Gross Income - Financial Obligations) then FOIR is applied upto 65% for household expenses and future contingencies, kindly help
What is meant by financial obligations in that formula?
@@AnkushJain Loan Obligations sir
What I have taught in the video is the formula which is accepted and used by most of the banks and nbfc.
I am not aware if any few financial institutions above method of calculations. But in actual FOIR means only fixed obligation/income and there is no need for netting it off
@@AnkushJain Ok sir Thanks.. sir will get the full series in HL/LAP assessment in this playlist ?
I am releasing the videos time to time. In coming 3-4 months, the series will get complete
Sir please illustrate with CAM
This will be done in coming videos
In kotak it's considered 200% Foir
200%? What is their logic for such high foir?
Plz put videos in English which ll be very useful
Presently these are in Hindi and majority of my present audience understand Hindi. However I am planning to work on introducing English subtitles in the video
If u explain in English it will be more helpful
Will try to add English subtitles