Answer / gautam das

NPA as the name suggest Non-Performing means that doesn't
perform in respect of the rules. Before performing the loan
RBI has given many rules and guidelines to the commercial
banks. That are followed but not in due respect...
To lower the risk of NPA:-
1) Before sanctioning the loan you must search all the
information about the customer i.e. his family background,
income background, assets, criminal records, family members etc.
2) If all the searches is complete then take the strong
securities that could be according to the loan.
3) If loan is going to be an NPA as he is not in position to
pay it back then take a conversation with him called
"OTS"(One Time Settlement). And decide to manage the amount
which he or bank can afford.
4) If the customer belongs to criminal record and he is
rigid to not pay back then do as hard rule says. "Kurki Jabti"
5) In my opinion if one is unable to pay back then bank
should take only absolute money not interest. That can cover
the minimum risk of NPA.

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Dear Friends,I was a bindaas type of guy not bothering abt anything in life and becoz of this nature i lost around 2 lakhs in share markets last year. But now i want to change my self for my parents and want to do some thing for them by getting a Govt job. So i ll be really thankful if any body can suggest me should i try for Banking jobs or not. My strong points:1.Good Communication skills and english. 2.Very good knowledge about Indian ecconomy,Share markets,Banking,Corporates News etc. 3.Btech Degree 70% marks. 4.Good at mathematics during college and Btech days. My weak points:1.Dont know anything about Bank PO. plz suggest me what to do, u can mail me at ap64704@gmail.com

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0 Answers   State Bank Of India SBI,

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todays headlines and your views on it?

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