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RBWM Capsule Cards PRO Recovery of Retail Loans
What is the exact mathematical formula used by banks to calculate Equated Monthly Installments (EMI)?
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EMI Calculation Formula
Recovery of Retail Loans 46
WA 46
RBWM Capsule Cards PRO Recovery of Retail Loans
What is a 'Moratorium Period' in the context of retail loans like housing or education loans?
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Repayment Holiday / Moratorium
Recovery of Retail Loans 40
WA 40
RBWM Capsule Cards PRO Recovery of Retail Loans
How is 'Siphoning of Funds' distinct from mere diversion, and what is the penal threshold?
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Siphoning of Funds
Recovery of Retail Loans 40
WA 40
RBWM Capsule Cards PRO Recovery of Retail Loans
According to the Recovery Policy of Banks, what are the standard acceptable hours to contact a borrower?
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Recovery Contact Guidelines
Recovery of Retail Loans 40
WA 40
RBWM Capsule Cards PRO Recovery of Retail Loans
When is an irregular loan account classified straightaway as a 'Loss Asset'?
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Loss Assets Definition
Recovery of Retail Loans 39
WA 39
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RBWM Capsule Cards PRO Recovery of Retail Loans
What differentiates a 'Genuine Default' from a 'Wilful Default' in loan recovery?
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Genuine vs Wilful Default
Recovery of Retail Loans 37
WA 37
RBWM Capsule Cards PRO Recovery of Retail Loans
What happens to asset classification if the realisable value of security drops below 10% of the outstanding?
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Severe Security Erosion Rule
Recovery of Retail Loans 37
WA 37
RBWM Capsule Cards PRO Recovery of Retail Loans
How are 'Doubtful Assets' further sub-categorized based on their duration as an NPA?
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Doubtful Asset Categories
Recovery of Retail Loans 36
WA 36
RBWM Capsule Cards PRO Recovery of Retail Loans
In retail banking, what does the term 'Bullet Payment' mean regarding loan repayment?
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Bullet Payment Concept
Recovery of Retail Loans 35
WA 35
RBWM Capsule Cards PRO Recovery of Retail Loans
Under RBI guidelines, what constitutes 'Diversion of Funds' by a borrower?
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Diversion of Funds
Recovery of Retail Loans 35
WA 35
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RBWM Capsule Cards PRO Recovery of Retail Loans
What are the required provisioning percentages for the secured portion of Doubtful Assets (I, II, and III)?
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Provisioning for Doubtful Assets
Recovery of Retail Loans 35
WA 35
RBWM Capsule Cards PRO Recovery of Retail Loans
How do banks classify Special Mention Accounts (SMA) based on the days overdue?
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SMA Categories (0, 1, 2)
Recovery of Retail Loans 32
WA 32
RBWM Capsule Cards PRO Recovery of Retail Loans
What is the minimum debt amount required for a bank to file an application for recovery at the Debt Recovery Tribunal (DRT)?
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Debt Recovery Tribunal (DRT) Limit
Recovery of Retail Loans 32
WA 32
RBWM Capsule Cards PRO Recovery of Retail Loans
What massive legal advantage does the SARFAESI Act, 2002 provide to banks and financial institutions?
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SARFAESI Act 2002 Purpose
Recovery of Retail Loans 31
WA 31
RBWM Capsule Cards PRO Recovery of Retail Loans
Under what financial thresholds is the SARFAESI Act NOT applicable for debt recovery?
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SARFAESI Financial Eligibility
Recovery of Retail Loans 31
WA 31
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RBWM Capsule Cards PRO Recovery of Retail Loans
What defines a 'Substandard Asset' in bank provisioning norms?
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Substandard Asset Classification
Recovery of Retail Loans 31
WA 31
RBWM Capsule Cards PRO Recovery of Retail Loans
What is the primary condition for a term loan to be classified as a Non-Performing Asset (NPA)?
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NPA Definition (90 Days)
Recovery of Retail Loans 29
WA 29
RBWM Capsule Cards PRO Recovery of Retail Loans
Once classified as NPA, what is the initial notice period given to the borrower under Sec 13(2) of SARFAESI?
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SARFAESI Sec 13(2) Demand Notice
Recovery of Retail Loans 28
WA 28
RBWM Capsule Cards PRO Recovery of Retail Loans
What is the financial limit for referring an NPA recovery case to a Lok Adalat?
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Recovery through Lok Adalat
Recovery of Retail Loans 28
WA 28
RBWM Capsule Cards PRO Recovery of Retail Loans
Before auctioning a repossessed property under SARFAESI, how many days' notice must be given to the borrower?
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SARFAESI Sale Notice
Recovery of Retail Loans 23
WA 23
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Recovery of Retail Loans — JAIIB RBWM Capsules

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All 20 cards on this page
EMI Calculation Formula What is the exact mathematical formula used by banks to calculate Equated Monthly Installments (EMI)? Repayment Holiday / Moratorium What is a 'Moratorium Period' in the context of retail loans like housing or education loans? Siphoning of Funds How is 'Siphoning of Funds' distinct from mere diversion, and what is the penal threshold? Recovery Contact Guidelines According to the Recovery Policy of Banks, what are the standard acceptable hours to contact a borrower? Loss Assets Definition When is an irregular loan account classified straightaway as a 'Loss Asset'? Genuine vs Wilful Default What differentiates a 'Genuine Default' from a 'Wilful Default' in loan recovery? Severe Security Erosion Rule What happens to asset classification if the realisable value of security drops below 10% of the outstand… Doubtful Asset Categories How are 'Doubtful Assets' further sub-categorized based on their duration as an NPA? Bullet Payment Concept In retail banking, what does the term 'Bullet Payment' mean regarding loan repayment? Diversion of Funds Under RBI guidelines, what constitutes 'Diversion of Funds' by a borrower? Provisioning for Doubtful Assets What are the required provisioning percentages for the secured portion of Doubtful Assets (I, II, and II… SMA Categories (0, 1, 2) How do banks classify Special Mention Accounts (SMA) based on the days overdue? Debt Recovery Tribunal (DRT) Limit What is the minimum debt amount required for a bank to file an application for recovery at the Debt Reco… SARFAESI Act 2002 Purpose What massive legal advantage does the SARFAESI Act, 2002 provide to banks and financial institutions? SARFAESI Financial Eligibility Under what financial thresholds is the SARFAESI Act NOT applicable for debt recovery? Substandard Asset Classification What defines a 'Substandard Asset' in bank provisioning norms? NPA Definition (90 Days) What is the primary condition for a term loan to be classified as a Non-Performing Asset (NPA)? SARFAESI Sec 13(2) Demand Notice Once classified as NPA, what is the initial notice period given to the borrower under Sec 13(2) of SARFA… Recovery through Lok Adalat What is the financial limit for referring an NPA recovery case to a Lok Adalat? SARFAESI Sale Notice Before auctioning a repossessed property under SARFAESI, how many days' notice must be given to the borr…
Chapters in this paper
Retail Banking: Introduction Customer Requirements Marketing: An Introduction Importance of Wealth Management Retail Banking: Role within the Bank Operations Product Development Process Delivery Channels in Retail Banking Investment Management Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking Credit Scoring Delivery Models Tax Planning Branch Profitability Important Retail Liability Products Customer Relationship Management in Retail Banking Other Financial Services Provided by Banks
Modules in RBWM
MODULE A: Retail Banking MODULE B: Retail Products and Recovery MODULE C: Support Services-Marketing of Banking Services/Products MODULE D: Wealth Management
JAIIB papers
IE-IFS — Indian Economy & Indian Financial System PPB — Principles & Practices of Banking AFM — Accounting & Financial Management for Bankers RBWM — Retail Banking & Wealth Management
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