Lecture 95: Takeover process of loans from other banks- Transfer of loans from one bank to another
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- เผยแพร่เมื่อ 14 ต.ค. 2024
- How do we shift our loan from one bank to another? What is step by step requirement for this and how do bank's process the same?
This is called loan takeover process while some banks also called it balance transfer process. This is very important process followed by each and every financial institution across India in a standard procedure.
Loan takeover can be done by way of demand draft/RTGS/NEFT method. There are various risks involved in this process and therefore process is designed in such a way that risks are mitigated for both the banks and the borrower.
I have explained the whole process in detail through this video. Please watch till the end. Hope you shall enjoy the video. Wish you all a very happy new year.
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हम अपने ऋण को एक बैंक से दूसरे बैंक में कैसे स्थानांतरित कर सकते हैं? इसके लिए चरणबद्ध आवश्यकता क्या है और बैंक की प्रक्रिया कैसे समान है?
इसे लोन टेकओवर प्रोसेस कहते हैं जबकि कुछ बैंक इसे बैलेंस ट्रांसफर प्रोसेस भी कहते हैं। यह भारत भर में प्रत्येक वित्तीय संस्थान द्वारा एक मानक प्रक्रिया में अपनाई जाने वाली बहुत महत्वपूर्ण प्रक्रिया है।
ऋण अधिग्रहण डिमांड ड्राफ्ट/आरटीजीएस/एनईएफटी पद्धति के माध्यम से किया जा सकता है। इस प्रक्रिया में विभिन्न जोखिम शामिल हैं और इसलिए प्रक्रिया को इस तरह से डिज़ाइन किया गया है कि बैंकों और उधारकर्ता दोनों के लिए जोखिमों को कम किया जा सके।
मैंने इस वीडियो के माध्यम से पूरी प्रक्रिया को विस्तार से समझाया है। कृपया अंत तक देखें। आशा है कि आप वीडियो का आनंद लेंगे। नया साल हो आप सबको मुबारक।
Sir aap bahut clear clear samjhaya aapne bilkul aasan shabdon me thank you
Your welcome
Amazing vedio it's ..very helpful
Thank you
Very clear learning Sir, Thanks for this Video
One question is when one should do BT, whether before near to emi date or after near to emi date or middle period, SO AS. To get interest savings
@@yourbeautifulworld2816 thank you. Before emi date
Sir been through the video and happy that this video addresses our need as was requested by me & our other members during our zoom call. Waiting for similar video on take over of non fund based facilities and the point of CIR report pending to be covered. 🙏🏼😊
Ok hitesh. Actually I am in search for RBI circular on CIR but not able to find it yet. Therefore have intentionally left the point
Sir could you please make a video on takeover of non fund based facilities.
Noted
Kamal kar diye sir abhi main axis main working capital loans main ro join hua hu app bahut acchi knowledge bataye sir 🙏
Thank you
Please make a video regarding takeover of DLOD/ TL and conversion in form of OD.
Ok
Awesome sir...thank u
👍👍
Sir what about the charge created in cersai by bank B( from whom the account is going) for the property.
It will cease to exist post filing by new banker
Whether OD can be taken over and provide DLOD instead .. Whether this will amount to re structure?
No issue if there is no financial difficulty
Sir. Good evening.
Please guide in cases where the client is not agreeing to close his current account .What would be a Credit Manager's step in that case?
Is he allowed to maintain current account as per rbi guidelines?
Need to check however exposure is 5 cr.
Happy new year sir.
Thanks and same to you
Sir different bank or different person ke housing loan takeover ke case me kya koi security mortgage karni hogi till original papers received by the bank.
Takeover process mein initially koi property nhi Deni hoti... vo saamne vale bank se hi aati hai
Happy New year sir
Thank you and wish the same to you
Sir,
Since Government has stopped financing GECL, i mean NO GECL is permitted now. How to takeover GECL of other bank?
By giving wctl
@@AnkushJain What about Security and other benchmark ratios? Do we need to consider BENCHMARK ratios? Assessment will be over MPBF?
Wctl is assessed on dscr. It is always collateral backed
Can we take over cc and giving them OD instead of cc??
It's called bt or fresh od?
Yes we can.
It is to be checked that the client is not having any dp issurs
Sir,Mera LAP loan IDFC bank mein 10lakh ka15yrs ke chal raha hai magar unka intrest rate 17% hai
IDFC se other bank mein balance transfer kaise karen. other bank mein 10.5percent hai to mujhe balance transfer karna chahiye ki nahi pls suggest.
Bilkul krna chahiye... 17% to ye loot the hain tumko
Is any video available - creation of pledge?
No such video
Pls create if possible
Sir can I transfer loan from ujjivan secured loan bank to canara bank easily...please help me out sir
What is type of loan?
Sir, I tried numbers of times to buy membership of your channel. However not able to buy, kindly brief me about the same.
Please try following:
1. Uninstall and reinstall the app
2. Restart the phone
3. Payment through card only
If still doesn't work then try through computer/laptop
Coz manger ask us to create mortgage during dat period.
Ok
Sir what is different between "Certified True Copy" & "Certified and True Copy" Financial Statements . And why some bank denied to accept Certified True Copy Financial Statements
Hi Aditya, sorry I could not differentiate in both words as they both seem to be carrying same meaning to me. I had cross checked from few others but couldn't get any appropriate response.
As far as bank's decline is concerned, this could be due to multiple factors and one of such could be that the bank may have internal policy to accept the audited financials only while certified financials won't fit in their policy parameters
Sir presently I am working in business ll unsecured loan and I have sanction authority as per decided bank policy. and got opportunity in LAP BL but there is no sanctioning authority,only present to higher authority for sanction. Is it well for career growth??
No such issue. Just take market ref. Check as to when does usually sanctioning authority given by them.
@@AnkushJain if i want to move on without having sanctioning rights then will I move on in another bank easily or may be issue..
To get job in HDFC ,axis ,ICICI like this leading bank ,It will be easy task.???
Yeah no issue
Sir, please help with video on takeover of LC, BG
Ok
Sir how do some bank mitigate risk on LOD waiver??
Undertaking from the client that he has all the available documents with him as required in the legal report
Loan lene k kitne time baad balance transfer kar sakte ha reply must
No such timeline
Sir loan statement mei Over flow transfer show ho Raha hai loan account mei Aisa kyuo hota hai aur cr and debit ho raha hai ,emi timely de rahe hai.and pre payment bhi. Kiye hai mclr is rllr mei karne ko bola tha same bank . Please give information request for
Main Bina statement check kiye bta nahi pauga.. ik baar aap locally kisi senior se check krlo
Sir client ka Axis se CC takeover kr rahe but he wants to continue with the same account no, so is it possible ?
No, new account will be opened in new bank
Sir jo CC account no rahega Axis m usko continue krne k liye FD k against kr skte h ky?
@@vinodpatel7168 yes
Thank you Sir 🙏
Your welcome
Sir, Difference between CA certified vs CA audited financial?
CA certification is mere certifying the financials checked by management. While in audit, CA cross verify financial details with book data and actually checks them on site with ledger scrutiny, separate audit report is also prepared in it
UDIN no.CA certified or Audited Both me mention hogi ya only audited financial me??
Both mein
Sir one of our small enterprises customer has requested for takeover. When we said there will be a penalty of 4% he told as per rbi circular there is no such penalty for small enterprises. Can you please guide
Sir can you please guide on this.
Ask him to share RBI circular. There is no rbi circular except for home loans
@@AnkushJain No, banks cannot charge foreclosure charges or pre-payment penalties on loans to micro and small enterprises (MSMEs). This is in accordance with the Reserve Bank of India (RBI) guidelines and the Bank Code for MSEs. This one he send it to me.
@@arnabganguly5634 ok can u share that to me? I am not able to find it since long online
@@AnkushJainsir I came to know it's mentioned in BCSBI report. Can you please chk.
Sir is mudra loan can take over from one bank to other
Takeover or closure?
Take over, BT
Why takeover when there is no security against them with other bank?
So sir what should do if want to switch bank because of lower intrest rate at other bank, is possible to transfer unsecured loan from one bank to other bank
Yeah not an issue they will simply close this from their disb.
Sir is graduation necessary with CA to work as credit manager in banks like icici ?
No, CA is enough
Is CA qualification necessary to work as Credit Manager? MBA Finance will not suffice?
Happy new year sir 💐
Thank you and wish the same to you