Ever wondered why some bank loans go bad despite rigorous checks? Or why even experienced bankers struggle with credit appraisal norms during audits?
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This engaging session dives deep into:
- Core concepts of credit appraisal
- Practical loan monitoring techniques
- Real case studies from Indian banking
- Bilingual explanation (Hindi + English) for better understanding
- High-level MCQs for exam-focused practice
Who is this video for?
- ✅ Bankers preparing for JAIIB/CAIIB/CCP
- ✅ Credit officers and relationship managers
- ✅ Aspirants looking to sharpen their loan assessment knowledge
🎥 Watch the full video to get insider knowledge and actionable insights. Don’t forget to comment your key takeaways and queries below!
👉 Before we dive in, watch this video for a complete breakdown:
⏱️ Video Breakdown by Timestamp – Learn Step-by-Step
🔸 00:00 – Introduction to Credit Appraisal
What is credit appraisal and why is it critical in banking?
➡️ Learn how banks assess the borrower’s financial health, repayment ability, and risk profile using structured methods.
🧠 Think of it like a health check-up for your money – banks want to be sure the patient (borrower) is fit before giving medicine (loan).
🔸 05:30 – Key Parameters in Credit Evaluation
Get familiar with:
- 5 Cs of Credit – Character, Capacity, Capital, Collateral, Conditions
- Importance of cash flow analysis, repayment history, and DSCR
💡 Ever lent money to a friend and regretted it? Banks avoid that mistake using these tools!
🔸 12:45 – Post-Disbursement Monitoring Techniques
Issuing a loan isn’t the end—monitoring is just as crucial!
📌 Learn about:
- Periodic financial reviews
- Red flag triggers (like delayed interest payments)
- Stock & receivable audits
🔍 Think of this like a GPS tracker – ensuring the borrower stays on the right road.
🔸 21:30 – Early Warning Signals (EWS)
How do banks detect stress before it’s too late?
🚨 Discover key EWS like:
- Frequent cheque returns
- Declining sales
- Poor inventory turnover
📊 We even discuss a real example where EWS helped prevent a major NPA.
🔸 30:20 – Practical Case Study: Corporate Loan Monitoring
We decode a real-world case where:
- A ₹10 Cr loan was at risk
- Monitoring gaps were spotted
- Corrective actions saved the account
💼 If you’re handling MSME or corporate portfolios, this section is gold!
🔸 38:10 – High-Level MCQs for Exam Prep
Let’s test your understanding!
🎯 Tackle exam-style MCQs with explanations on:
- Appraisal techniques
- Monitoring red flags
- Documentation gaps
🔁 Pause the video and try answering before we reveal the correct option!
[FREE PDF] Principles and Practices of Banking in Hindi | Module B | Most imp Questions
✅ Conclusion: Time to Apply What You’ve Learned!
Understanding credit appraisal and loan monitoring is more than theory—it’s your shield against NPAs and key to loan quality.
Key Takeaways:
- Appraisal ≠ only pre-loan checks—it’s a 360° assessment
- Monitoring = constant vigilance, not a one-time task
- Early signs matter—ignore them and risk a financial storm
🎯 Your next step?
Re-watch parts you didn’t fully grasp, apply the MCQ logic, and start observing real cases at work. 💪
💬 Got questions? Drop them below—let’s discuss like true professionals.
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📥 Download Full PDF Notes (With Case Studies + MCQs)
