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Banking to corporates - What does BJP supporters think ?

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10 hours ago, NBK-Dravid said:

Public sector banks enni fail ayyayi private banks enni fail ayyayi okasari stats check cheste u will come to know the facts..

Public sector banks are backbone for indian economy

Psbs are surviving due to their reach in rural... If that's achieved by corporates , tough time for psbs

 

 

 

 

 

Edited by ntrrules7

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@AndhruduThis is from Manappuram website:

 

 

Our base rate of interest is 14 percent. However, depending upon how high the loan to value (LTV) is, additional interest (amounting to risk premium) ranging from 3-12 percent is charged over and above the base rate. The interest and risk premium is applicable only for the days the money was actually utilised. There are no prepayment penalties.

Monthly compounding interest is charged, which the borrower has to pay at the specified periodicity or at the closure of loan, whichever is earlier. The interest rate is fixed and calculated on a reducing balance basis.

Our gold loan schemes fall broadly into following categories:

a) High loan to value: These schemes offer the maximum amount of loan per gram. At the same time, in keeping with the extra risk, the interest cost to the borrower is higher. Typically, such schemes will have a tenure of 3 months.

b) Low interest rate: In this category, the interest rates are lower but the Loan to Value (LTV) is also comparatively less.

Basically if you want high LTV, interest rates are high. SBI might be offering low LTV but interest rate is also low

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This is your statement

eg: SBI lo gold tanaka pedithe 60% kuda ichevadu kadu ..... Now muthooth and manappuram is giving 80% with very less interest than banks .

Absolutely wrong. Banks are like wholesalers. Low rate, more procedure. NBFCs are like retailers. More interest rate and less procedure. This is something basic which you must know.

 

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Manappuram lo gold loan teeskunte chachade vadu. Monthly compounding and every three month he has to renew. Any sensible person will go for low interest rates with low LTV. 

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People's deposits will directly go to corporates in this case. Now Banks are acting as a intermediary between depositors and borrowers. If govt wants they can increase banking licenses but they cant implement these type of recommendations.

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people like anil ambani, vijay mallya can start their own banks and collect deposits .  earlier gali janardhan , botsa has cooperative banks . they made sure depositors don't get money back.

Edited by ravindras

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On 11/25/2020 at 8:08 AM, ntrrules7 said:

Psbs are surviving due to their reach in rural... If that's achieved by corporates , tough time for psbs

 

 

 

 

 

Ambani lanti vallaki license isthe ee modi batch PSBs ni kavalane kill chestaru.. same like BSNL..

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Vinataniki odd ga undochu ... But marokkasari cheptunna ...

Ekkada folks  arguments primarily driven by  Edo teliyani confidence, faith, Mana ane reasonability on PSU Tappa ... Okka past data or realistic situations artham cheskodam ledu ...

Any county to grow further credit availability is must and highest important. 

Whether it is loans or credit cards or overdraft or any way ....

PSU oka total disaster in last 10 years ga .... Enduku ante employees in PSU eppudu jitham kosam chesaru Tappa bank development kosam eppudu work cheyaledu .... 

Eppativaraku PSU banks ki UPA and NDA 1,00,000 kotla dabbu free ga budget lo capital infusion peruthao janala raktham tagi taxes kadithe govt just to make them survive free ga ichai 

Does any one know about it ?

NBFC edanna bike konithe on spot lo 90% finding istunnai , Bajaj finance vachaka retail buying lo tremendous turnout vachindi .... AC fridge TVlu egabadi kontunnaru ....

Economy is an ecosystem it is inter connected to lot of systems 

Credit>retail buying > sales tax/gst> production> crop income tax> raw material consumption > employment. 

Nenemi notikochindi cheppatla ... Ask anyone who studied economics credit availability entha important oka nation ki cheptaru ...

NBFC are doing huge business at present in India with huge profits, PSU are in worst losses ... Ask your self should we still give our tax money free and feed these PSUs.

Anil ambani, vijay malya ani PAYTMs la logic lekunda matladakandi brothers ....

1991 lo LPG liberalization Privatization Globalization cheyakapoi unte India africa ayyedi .... Any segment private players drive economy and tap new opportunities.

License ichina vallu guddimalokam la undaru brothers , bank has to keep CRR bonds ani different ways lo proper ga invest cheyali ....

Yes some banks collapse ayyai I agree YES and Laxmi vilas bank.  But Govt depositers ki rupai nastam raniyyaledu ...only share holders poyaru ....

Edited by Andhrudu

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Malla vachi share holders ki evaru nayam chestaru antaremo .... Union bank , PNB, BOB stocks 90% paddai

At the same time Kotak, ICICi HDFC 4 times ayyai .... Its all depend on credibility. 

Still janalani kapadali ante ... Socialist economy cheyali Mana India eg : Russia  ...

130 kotla janalani pettukuni capitalistic Economy nadapakapothe India masi aipoddi ....

Deep learning and understanding is important here , anduke India ni IAS lu naduputharu ... Politics as it jagan type can't understand economy

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4 hours ago, Andhrudu said:

Vinataniki odd ga undochu ... But marokkasari cheptunna ...

Ekkada folks  arguments primarily driven by  Edo teliyani confidence, faith, Mana ane reasonability on PSU Tappa ... Okka past data or realistic situations artham cheskodam ledu ...

Any county to grow further credit availability is must and highest important. 

Whether it is loans or credit cards or overdraft or any way ....

PSU oka total disaster in last 10 years ga .... Enduku ante employees in PSU eppudu jitham kosam chesaru Tappa bank development kosam eppudu work cheyaledu .... 

Eppativaraku PSU banks ki UPA and NDA 1,00,000 kotla dabbu free ga budget lo capital infusion peruthao janala raktham tagi taxes kadithe govt just to make them survive free ga ichai 

Does any one know about it ?

NBFC edanna bike konithe on spot lo 90% finding istunnai , Bajaj finance vachaka retail buying lo tremendous turnout vachindi .... AC fridge TVlu egabadi kontunnaru ....

Economy is an ecosystem it is inter connected to lot of systems 

Credit>retail buying > sales tax/gst> production> crop income tax> raw material consumption > employment. 

Nenemi notikochindi cheppatla ... Ask anyone who studied economics credit availability entha important oka nation ki cheptaru ...

NBFC are doing huge business at present in India with huge profits, PSU are in worst losses ... Ask your self should we still give our tax money free and feed these PSUs.

Anil ambani, vijay malya ani PAYTMs la logic lekunda matladakandi brothers ....

1991 lo LPG liberalization Privatization Globalization cheyakapoi unte India africa ayyedi .... Any segment private players drive economy and tap new opportunities.

License ichina vallu guddimalokam la undaru brothers , bank has to keep CRR bonds ani different ways lo proper ga invest cheyali ....

Yes some banks collapse ayyai I agree YES and Laxmi vilas bank.  But Govt depositers ki rupai nastam raniyyaledu ...only share holders poyaru ....

This shows your ZERO knowledge on this topic. God bless you

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4 hours ago, Andhrudu said:

Vinataniki odd ga undochu ... But marokkasari cheptunna ...

Ekkada folks  arguments primarily driven by  Edo teliyani confidence, faith, Mana ane reasonability on PSU Tappa ... Okka past data or realistic situations artham cheskodam ledu ...

Any county to grow further credit availability is must and highest important. 

Whether it is loans or credit cards or overdraft or any way ....

PSU oka total disaster in last 10 years ga .... Enduku ante employees in PSU eppudu jitham kosam chesaru Tappa bank development kosam eppudu work cheyaledu .... 

Eppativaraku PSU banks ki UPA and NDA 1,00,000 kotla dabbu free ga budget lo capital infusion peruthao janala raktham tagi taxes kadithe govt just to make them survive free ga ichai 

Does any one know about it ?

NBFC edanna bike konithe on spot lo 90% finding istunnai , Bajaj finance vachaka retail buying lo tremendous turnout vachindi .... AC fridge TVlu egabadi kontunnaru ....

Economy is an ecosystem it is inter connected to lot of systems 

Credit>retail buying > sales tax/gst> production> crop income tax> raw material consumption > employment. 

Nenemi notikochindi cheppatla ... Ask anyone who studied economics credit availability entha important oka nation ki cheptaru ...

NBFC are doing huge business at present in India with huge profits, PSU are in worst losses ... Ask your self should we still give our tax money free and feed these PSUs.

Anil ambani, vijay malya ani PAYTMs la logic lekunda matladakandi brothers ....

1991 lo LPG liberalization Privatization Globalization cheyakapoi unte India africa ayyedi .... Any segment private players drive economy and tap new opportunities.

License ichina vallu guddimalokam la undaru brothers , bank has to keep CRR bonds ani different ways lo proper ga invest cheyali ....

Yes some banks collapse ayyai I agree YES and Laxmi vilas bank.  But Govt depositers ki rupai nastam raniyyaledu ...only share holders poyaru ....

Bro, I don't have insight in this topic but I am not sure if you have clarity when you are saying others talking with "ado teliyani confidence"

Oka post lo ardam chesukovadaaniki pedda knowledge avasram ledu annaru, inko post lo you need insights/knowledge annaru. Oka post lo NBFC are giving loans for lesser rates than banks annaru, kaadu akkuva interest ki istaru takkuvaku kaadu ante asalu loan ae dorakatledu akkuva interest amundi annaru. 

Kontamandiki corporates banking sector lo raavadam istam vundochu konta mandiki istam vundakapovachu... Kaani manaki nachina version ni defend chesukuntu supporting arguments creat chesukuntu poortiga teliyakunda vaadinchadam  valla ami vupoyogam?  

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1 hour ago, surendra.g said:

Bro, I don't have insight in this topic but I am not sure if you have clarity when you are saying others talking with "ado teliyani confidence"

Oka post lo ardam chesukovadaaniki pedda knowledge avasram ledu annaru, inko post lo you need insights/knowledge annaru. Oka post lo NBFC are giving loans for lesser rates than banks annaru, kaadu akkuva interest ki istaru takkuvaku kaadu ante asalu loan ae dorakatledu akkuva interest amundi annaru. 

Kontamandiki corporates banking sector lo raavadam istam vundochu konta mandiki istam vundakapovachu... Kaani manaki nachina version ni defend chesukuntu supporting arguments creat chesukuntu poortiga teliyakunda vaadinchadam  valla ami vupoyogam?  

Folks in this topic ki Atleast finance background knowledge udi undadhu ... Meku kanisam na post kuda artham kaledu ....

- first post lo India lo existing  lending sources pai min understanding undali anna 

- reform impact artham cheskovali ante deep understanding on total system annanu.

- show me where I said NBFC are giving loans for less interest rate ?

- Edo teliyani confidence ante , confidence in PSU bank  performance personal knowledge kadu

You better stay away from this topic. Kanisam post chadavadam kuda radu

Edited by Andhrudu

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Who is defending PSU banks here. Private banks are doing a great job. You can give banking licenses to firms like Bajaj Finance. You yourself said NBFCs are giving loans at cheaper rate compared to banks.

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Y this kolaveri.... It's a known fact that privatisation is bound to happen. In fact it is good for hardworking employees as they will get good pay for the pressure they take.. 

It's the freebies batch that will suffer not a genuine employee 

Edited by ntrrules7

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17 minutes ago, ntrrules7 said:

Y this kolaveri.... It's a known fact that privatisation is bound to happen. In fact it is good for hardworking employees as they will get good pay for the pressure they take.. 

It's the freebies batch that will suffer not a genuine employee 

Privatization gurinchi kaaadu..... banks are already privatized in India. Matter is about giving licenses to corporates for banking related activities 

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We cannot build a system which acts like a single point of failure. Mana unorganized sector is our strength. We have to strengthen our unorganized sector, that way external forces cannot impact our economy.  You can streamline few things, but cannot try to organize whole thing

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1 hour ago, ntrrules7 said:

Y this kolaveri.... It's a known fact that privatisation is bound to happen. In fact it is good for hardworking employees as they will get good pay for the pressure they take.. 

It's the freebies batch that will suffer not a genuine employee 

Employees ki problem em undadu.. infact ee PSB lo iche salary ki antha pani cheyadam kuda waste. Same hardwork private banks lo cheste chala earn cheyachu... Problem will be for general public. You will come to know when this happens

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