Gyaanleikh

 What is PIM?  PIM that is Preliminary Information Memorandum is a crucial document before starting any project, whereas I'm in Merchant banking I look towards this in that way. But in lay man work it can be any project.  In this blog I will share all the steps necessary for making a PIM and I hope you learn to organize things through this reading of blog, if not anything.  First thing you need to do is have a deep understanding and reading of all the document and information available. This will help you to organize the things when each and every point comes. The example in this blog will be of a NBFC analysis. 1. So the first thing we will do is write all the information that is general to know for basic understanding of the company or any other kind of information.  To give example, you can write when the company was established, any demerger or merger or reorganization, current fund raise or equity distribution or IPO.  Then this may also include there ...

 Different factors and questions that I came through when I researched on NBFC as a financial analyst. 1. What is systematically important NBFC is? Observation-  A CIC-ND-SI is a Non-Banking Financial Company (i) with asset size of Rs 100 crore and above (ii) carrying on the business of acquisition of shares and securities and which satisfies the following conditions as on the date of the last audited balance sheet :- (iii) it holds not less than 90% of its net assets in the form of investment in equity shares, preference shares, bonds, debentures, debt or loans in group companies; (iv) its investments in the equity shares (including instruments compulsorily convertible into equity shares within a period not exceeding 10 years from the date of issue) in group companies constitutes not less than 60% of its net assets as mentioned in clause (iii) above; (v) it does not trade in its investments in shares, bonds, debentures, debt or loans in group companies except through block sa...

 What is GNPA? Full form- Gross Non-Performing Assets  Meaning- GNPA is an absolute amount. It tells you the total value of gross non-performing assets for the bank in a particular quarter or financial year, as the case may be.  What is NNPA? Full Form- Net Non-Performing Assets  Meaning- NNPA subtracts the provisions made by the bank from the gross NPA. Therefore net NPA gives you the exact value of non-performing assets after the bank has made specific provisions.  NPA ratios GNPA= Total GNPA/Total Advances NNPA= NNPA/Total Advances To understand NBFC please follow the link-  NBFCs and it's Components

 What is NBFC? While understanding the basic concept of a non-banking finance company (NBFC), we need to know what an NBFC is.  Legally speaking, a Non-Bank Finance Company (NBFC) is a company registered under the Companies Act 1956 that engages in lending and advances, purchasing shares/stocks/bonds/bonds/bonds/securities issued by government or local government, policy or other similar guarantees, rent, payment, workplace insurance, commercial value, but excluding services of organizations whose main business is agriculture, trade, purchase and sale of goods (excluding securities) or service operation and sale/sale of property.  In layman terms, a non-banking finance company (NBFC) is a financial institution that offers banking services but does not meet the definition of legal bank money, i.e. does not hold a banking license. Key Features of NBFCs NBFCs can accept/extend public deposits for a minimum of 12 months and a maximum of 60 months. They do not accept deposits ...