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Who is Wilful defaulter ? and Cash Adequacy Ratio (in Hindi)
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Wilful defaulter and cash adequacy ratio

Aartee Mishra is teaching live on Unacademy Plus

Aartee Mishra
For Unacademy Plus Discount & My personalized Guidance use code : RANK10 Founder - Rank secure IAS Academy DU Topper 4 yrs Experience

U
Unacademy user
Hello friends!! I have also completed the crash course on ancient and medieval.
So in case in case u r in need of that please do visit my profile. Along with that a course on NCERT class VI and Delhi Sultanate is already live .these will help u in coming examinations. Thanx and All the Best :)
K
Kaushik
3 years ago
Can you please confirm , All yours history course sufficient for UPSC or we should read other books also for reference.
Hello Sir, please make a course on complete art and culture as you have converted all facts based syllabus into a beautiful story. and it has become really easy after that. Really waiting for another wonderful course
Akshay Philip
3 years ago
IT WOULD BE NICE IF MAKE A COURSE ON ART AND CULTURE
@Kaushik....I would suggest to explore more...becoz when it comes to UPSC ...nothing is enough
@Akshay....sorry for the delay....will upload more courses after June 17
@Idshadullah...sorry for the delay....will upload next month.
Garg Nikhil
3 years ago
sir are your crash course on all the 3 phases of history sufficient for SSC CGL exam ?
@Nikhil...please add more facts from Lucent,spectrum etc to be sure
Garg Nikhil
3 years ago
ok sir. thanks
Vivek singh
3 years ago
sir hath jod kr request hai history ncert 8-9-10-11-12 ka bhi course bana do please
Vivek singh
3 years ago
sir hath jod kr request hai history ncert 8-9-10-11-12 ka bhi course bana do please
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
Vaibhav Tiwari
3 years ago
hello sir which is the best book for ssc cgl according to u
hello sir , is this crash course is covering all modern history ??????????????????? please reply sir
what to do i have just 3 month what to do for history , is your crash course is enough ???? please help me abhishek sir
Nidhi Tiwary
2 years ago
Sir I have completed crash course of ancient and medieval history and now going through modern history. First time in life I am finding that history is interesting. Thanks sir Thanks for the support Thanks for the inspiration Thanks for the video lectures ????????????????????
SHWETA JOSHI
2 years ago
Aしし †ħ㉫ †ħr㉫㉫ ..උ✿ur$㉫$ Ar㉫ ㉫xඋ㉫しし㉫Ǹ†
Govind Tapse
2 years ago
sir please aap. Ancient ... Medieval .... Modern History ke MCQ ka video banavo ....
Karishma Solanky
2 years ago
thank you so much sir for awesome courses,really helpful for revision..😊
Pk
Priya kumari
2 years ago
thanks sir for this video .... but sir m Hindi medium ki student hu or mujhe Hindi m video dekhni plzz I request you to tell me how can I see the Hindi videos
Pk
Priya kumari
2 years ago
plzz reply me 😖😖😖😖
SHWETA JOSHI
2 years ago
hindi cources hai..priya...u can search
Ravindra Kumar
a year ago
thanks sir for this video but sir Hindi cources hai plzz rply
KAMAL RAWAT
a year ago
sir extensive coverage nhi kiya gya is course me
PS
Palak Shrivastava
5 months ago
Is World history available sir....?
PS
Palak Shrivastava
5 months ago
Sir plz i request for world history.. Plz sir..
does crr n SLR both constitutes car... ???
Pooja Banga
10 months ago
No it's different
Mausam Jha
10 months ago
plzz differentiate .....
can we say that capital adequacy ratio (CAR) is same as CRR and SLR..
beautifully Explained... i have already taken the coaching in PUNE but I can surely say that this series is better than that coaching class lectures...ThankS
  1. batily Lecture Series Ramest Singh's brief stummary of unacademy Indian Economy By Aartee Mishra Banking in India-D s$ Hindi


  2. WILFUL DEFAULTER There are many people and entities who borrow money from lending institutions but fail to repay. However, not all of them are called wilful defaulters As is embedded in the name, a wilful defaulter is one who does not repay a loan or liability, but apart from this there are other things that define a wilful defaulter. According to the RBI, a wilful defaulter is one who-is financially capable to repay and yet does not do so or one who diverts the funds for purposes other than what the fund was availed for or with whom funds are not available in the form of assets as funds


  3. CAPITAL ADEQUACY RATIO The capital adequacy ratio (CAR) is a measure of a bank's capital. It is expressed as a percentage of a bank's risk weighted credit exposures. Also known as capital-to-risk weighted assets ratio (CRAR), it is used to protedt depositors and promote the stability and efficiency of financial systems around the world Providing cushion/shock-absorbers to banks has seen three major developments: The provision of keeping a cash ratio of total deposits mobilised by the banks (known as the CRR in India) a. b. the provision of maintaining some assets of the deposits mobilised by the banks with the banks themselves in non-cash form (known as the SLR in India) The provision of the capital adequacy ratio (CAR) norm. c.


  4. Why to maintain CAPITAL ADEQUACY RATIO The basic question which comes to mind is as to why do the banks need to hold capital in the form of CAR norms? Two reasons have been generally forwarded for the same: Bank capital helps to prevent bank failure, which arises in case the bank cannot satisfy its obligations to pay the depositors and other creditors. The low capital bank has a negative net worth after the loss in its business. In other words, it turns into insolvent capital, therefore, acts as a cushion to lessen the chance of the bank turning insolvent The amount of capital affects returns for the owners (equity holders) of the bank a. b.


  5. UNACADEMY PLUS NCERT (6 12th): For rock solid foundation to your preparation By Aartee Mishra