Sir you have immense rich knowledge in finance..... And also thanks for spreading enlightenment in finance field ..in india were there is immense less knowledge in finance thus we abstain trap
Overdraft limit is similar to that of cash credit limit difference is in cc bank checks client's stock debtors n receivables monthly and on that basis it provides the drawing power to the client.. Here drawing power varies on monthly basis... Whereas in overdraft limit the limit utilization and requirement is assessed on annual basis.... Both the facilities are use for working capital only
Dear sir, thanks for this very beautiful video.. but I think YOu've missed some points.. 1) CGMFE FEE..: WHICH IS VERY LARGE 2) INSURANCE CHARGED ON THE STOCK : IT IS ALSO VERY LARGE 3) INSPECTION CHARGES : LARGE ALSO .... IT GOES UP TO THOUSAND OF RUPEES
MOREOVER IF THE STOCK AS SECURITY FOR LIMIT IS UNDER PLEDGE. THE GOD OWNS KEEPERS CONVEYANCE IS ALSO ON BORRIWER'SACCOUNT. 2.THE AMC ACCOUNTS MAINTENANCE CHARGES NORMALLY PREVAILING ABOUT RS.1 OR 2 PER ENTRY ARE ALSO CHARGED. 3.CHQEUE BOOK CHARGES 4 LIMIT PROCESSING/& DOCUMENTATION CHARGES ALL SUCH CHARGES SUMS UP ABOUT 3 TO 5 %IF TOTAL BORROWAL LIMIT DEPENDING UPON SIZE IF LIMIT.FOR LARGE LIMITS THE CHARGES COUNTS LOWER IN%TERMS. IN SUCH ACCOUNTS THERE ARE ALSO LEVIED CASH HANDLING CHARGES FOR DEPOSITING CASH ABOVE 10 PACKETS OR RS.2 LACS PER DAY WHICH MAY DIFFER FROM BANK TO BANK.
Correct.. Yogi sir should also mention these points... 3 years ago I have taken cash credit loan after watching this video...without knowing these facts.. Yogi sir told in this video @12:34 that we will get a cash credit loan on the basis of our stocks, and if the loan default bank will recover their money by selling our stocks.. that's not true.. also branch manager did not told about this. so I request to you Yogi sir, Kindly ask some people who have taken these type of loan and then make video.
1) CC me quaterly Godown inspection charges lagta hai OD me nahi hai. 2) CC me har mahine stock statment dena padte hai but OD me nahi. Fixed date tak stock statment dena padta hai varna penal interest lagta hai in CC
सर मैं एक जॉब प्लेसमेंट कंसलटेंसी बिजनेस करता हूं इसमें मुझे अक्सर वर्किंग कैपिटल की आवश्यकता होती है लेकिन कोई भी बैंक मुझे केस या क्रेडिट लिमिट की सुविधा नहीं देती है क्या ऐसा कोई सुविधा जिसके अंतर्गत मुझे व्यापार का संचालन करने के लिए रुपया उपयोग के लिए मिलता रहे।
Outstanding sir....subcribe krna banta ha....mane bht websites daik liye.ap ki trha kisi ne explain nai kiya.aysa parha diya jaise students samne bate ha or wo questions kr ke ap btate ha
Hi Sir, Please make an video on how to deal with banks to get the Term loan/ WC loan sanctioned for your client. Any important points to keep in mind while dealing with them ?
Sir interest ki calculation and Business man / individual kaise interest deposit krega iska ,ek video provide kra dijiye yadi aap kr saktey hain ,,thoda apna valuable time dekar 🙌
Hi Sir, Thank you so much! Well, very nicely explained. There is a request if you could please make a video on Cross Default Spread (LIBOR Plus Spread).
Hi. Thanks for the elaboration! Can you please tell me which category does a credit card belongs to? It should be Unsecured overdraft as per my understanding based on the video, but banks generally open a different account for credit cards too, which is a feature of cash credit! Thank you in advance!
Good hear it but one error is there please don't mind .... O/s Creditor amount should be less from inventory & remaining inventory are allow for cash credit....
Sir, It would be great if you can make some videos on MPBF, Drawing Power ( if LC limits +CC Limits) EPC & PCFC , Derivatives, Swaps and Forward Contracts
Very good video sir Sir aap pvt ltd company ko sebi aur share market me le Jane ke liye kya kare is topic par Hindi me videos uploade karye na plz thanks
Cash credit limit is not calculated on last year Turnover ,it is calculated on the projected turnover and projected turnover is set on the basis of last year Turnover .
Nice sir ..Apke saare video bahut acche he...Apko bahut knowledge he...Fiance or banking terminology or knowledge ke liye ap koi book suggest kriye . Mujhe pdana he
Dear Sir, I submitted Stock Statement at Bank next month 10th to 15th day So Bank of baroda Charge Penal Int. Of last Six month of Rs. 4.6 Lacs So How Can Reverse the Penal Int.
Private lenders capitalize interest on loans when you either do not make payments at all or make partial payments. When your interest is capitalized, the interest charges you failed to pay are added into the principal balance of your loan. This increases the total amount you owe.
video apka bahut achha but itni fast bole h ap maza nhi aya agar 50 minut ki v video bnaynge to hm dekhenge plz isi topic ko achhe cover kar k again video bnay apse humble request h sir ...
Agar mujhe ek gym open karna hai to uske liye mujhe 10 lakhs chahiye to mujhe cc lena chahiye ya od lena chahiye aur mere paas current account bhi nahi hai sirf saving hai to kaise business start hoga plz iski details bata dijiye
We learn a lot of thinks by your video... Its very much helpful for a banker....we expect that you will make all banking related videos...... from bangladesh...Eastern Bank Ltd (EBL)....
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Best content on Internet on this topic!!! I was exhausted searching for difference between these 2
Sir ka best gi rehta hai. Following him from last 4 months. Aur sb easily smjh b aa jaata hai
If you need over draft facility with best benifits than you can call me 7042285842
I am a big fan of AssetYogi ....he has clear my many doubts of finance ...All the best
Sir you have immense rich knowledge in finance..... And also thanks for spreading enlightenment in finance field ..in india were there is immense less knowledge in finance thus we abstain trap
Overdraft limit is similar to that of cash credit limit difference is in cc bank checks client's stock debtors n receivables monthly and on that basis it provides the drawing power to the client.. Here drawing power varies on monthly basis... Whereas in overdraft limit the limit utilization and requirement is assessed on annual basis.... Both the facilities are use for working capital only
What is processing fees of BANK to open CC account?
One of best channel for easy understanding of finance concepts.Thank you sir for your efforts.
Thank you for appreciation and support 😊
सर आप हर एक विडिओ बहोत हि आसान तरिके से समझाते है इसिलिये मैं आपकी हर एक विडिओ देखता हूं
Dhanyawad Prashant :)
Such a knowledgeable and awesome videos thank u so much sir
Thank you sir, i am preparing for bank exam. It is very helpful 🙏
Keep learning Rajkumar :)
Dear sir, thanks for this very beautiful video.. but I think YOu've missed some points.. 1) CGMFE FEE..: WHICH IS VERY LARGE 2) INSURANCE CHARGED ON THE STOCK : IT IS ALSO VERY LARGE 3) INSPECTION CHARGES : LARGE ALSO .... IT GOES UP TO THOUSAND OF RUPEES
MOREOVER IF THE STOCK AS SECURITY FOR LIMIT IS UNDER PLEDGE. THE GOD OWNS KEEPERS CONVEYANCE IS ALSO ON BORRIWER'SACCOUNT.
2.THE AMC ACCOUNTS MAINTENANCE CHARGES NORMALLY PREVAILING ABOUT RS.1 OR 2 PER ENTRY ARE ALSO CHARGED.
3.CHQEUE BOOK CHARGES
4 LIMIT PROCESSING/& DOCUMENTATION CHARGES
ALL SUCH CHARGES SUMS UP ABOUT 3 TO 5 %IF TOTAL BORROWAL LIMIT DEPENDING UPON SIZE IF LIMIT.FOR LARGE LIMITS THE CHARGES COUNTS LOWER IN%TERMS.
IN SUCH ACCOUNTS THERE ARE ALSO LEVIED CASH HANDLING CHARGES FOR DEPOSITING CASH ABOVE 10 PACKETS OR RS.2 LACS PER DAY WHICH MAY DIFFER FROM BANK TO BANK.
Correct.. Yogi sir should also mention these points... 3 years ago I have taken cash credit loan after watching this video...without knowing these facts.. Yogi sir told in this video @12:34 that we will get a cash credit loan on the basis of our stocks, and if the loan default bank will recover their money by selling our stocks.. that's not true..
also branch manager did not told about this.
so I request to you Yogi sir, Kindly ask some people who have taken these type of loan and then make video.
Sir u are too good ;i am your's big fan🙋
thanks a lot yogi ji, simple and effective way to understand.
Thank you for appreciating Tracker lover
DEAR SIRJI , AAPKA VIDEOS SE MUJHE BAHUT KUCH SEKNEKO MILA HAI AND THANKS FOR THIS, (FROM MUMBAI/MR.SATYA/ACCOUNTANT)
Thank You So Much from bottom of my heart 💓🙏
1) CC me quaterly Godown inspection charges lagta hai OD me nahi hai.
2) CC me har mahine stock statment dena padte hai but OD me nahi. Fixed date tak stock statment dena padta hai varna penal interest lagta hai in CC
Dear Mukul,
I was trying to find videos related to basics of credit facilities and its different types.
Kitne easy way me aapne samjhaya .Thank You sir.
Hope it's helpful :)
सर मैं एक जॉब प्लेसमेंट कंसलटेंसी बिजनेस करता हूं इसमें मुझे अक्सर वर्किंग कैपिटल की आवश्यकता होती है लेकिन कोई भी बैंक मुझे केस या क्रेडिट लिमिट की सुविधा नहीं देती है क्या ऐसा कोई सुविधा जिसके अंतर्गत मुझे व्यापार का संचालन करने के लिए रुपया उपयोग के लिए मिलता रहे।
Job placement mera kra do
Hmm apko over draft provide krenge
Outstanding sir....subcribe krna banta ha....mane bht websites daik liye.ap ki trha kisi ne explain nai kiya.aysa parha diya jaise students samne bate ha or wo questions kr ke ap btate ha
I think you should have mentioned the exact interest rate
Excellent video I have ever see in other Bank related UA-cam, thank you very much sir 🙏
Keep learning 😊
Hi Sir, Please make an video on how to deal with banks to get the Term loan/ WC loan sanctioned for your client. Any important points to keep in mind while dealing with them ?
Sir interest ki calculation and
Business man / individual kaise interest deposit krega iska ,ek video provide kra dijiye yadi aap kr saktey hain ,,thoda apna valuable time dekar 🙌
Plz make video on "should we invest in mutual funds or first pay home loan?"
Hi Sir, can you upload video on Credit Rating Scales for Short Term and Long Term Borrowings and Credit Score as well.
Thank you very much Yogi brother for sharing your knowledge and experience with us.
May god give you health wealth and happiness.❤
Your knowledge is blessings for us
Thanks for appreciation :)
sir bahut acha tarika h aap.ka samjanae ka.👌👌👌👌
Thank you 😊
Difference b/w loan and advances pe b ek video sir
Thankyou Clear opinion dene ke liye. I am going for OD loan
Very good and easy explain.
Thank you Dushyant 😊
Your video is good and easy to understand... But can u explain about how we can calculate the interest on loan amount...
Hi Sir,
Thank you so much! Well, very nicely explained. There is a request if you could please make a video on Cross Default Spread (LIBOR Plus Spread).
Hi sir.
Mera ek case credit lone hai. Iska Jo limit hai iss limit ko double karne k liya kiya kare???
Hi. Thanks for the elaboration! Can you please tell me which category does a credit card belongs to? It should be Unsecured overdraft as per my understanding based on the video, but banks generally open a different account for credit cards too, which is a feature of cash credit! Thank you in advance!
videos is very simple to understand. Well done....
Very good and simple explanation.i appreciate your effort.
Thank you so much for support 😊
Good hear it but one error is there please don't mind .... O/s Creditor amount should be less from inventory & remaining inventory are allow for cash credit....
Samjane ka tarika 👌👌
Thank you 😊
Thanks with bottom of my heart for your efforts your videos are really enriching
Sir, It would be great if you can make some videos on MPBF, Drawing Power ( if LC limits +CC Limits) EPC & PCFC , Derivatives, Swaps and Forward Contracts
you should probably take a course on Caiib
Sir, cash credit se over draft me jane ke liye kya requirement rahti hain pls. Reply
Can we claim interest subvention in OD?
In Case of CC, this can be claimed.
Better If you explain operational process starting from origination to closure for assets or any other banking process.. Thanks
Would love to hear your explain the terms in the annexures of an annual report
Sure! I've noted down your topic suggestion for future videos.
I hope mujhe aapse bahut kuch sikhne milega
How I can finance on agricultural land other than KCC (Kisan credit card)
Sir u have mentioned that account opened in cash credit is a running account and is without a limit. Please check the video at 7:00 and confirm.
Thank you so much
I hope this will be helpful Yogita :)
Satisfied I am a class 11 commerce student I do understand that what is this now I understand ।
Clearly explained.
Thank you 😊
Sir, requesting you to make video on these subjects - Global Trade Compliance, CDCS, SEZ, EOU, EHTP, DBK and customs procedures for export and import.
Very good video sir
Sir aap pvt ltd company ko sebi aur share market me le Jane ke liye kya kare is topic par Hindi me videos uploade karye na plz thanks
Thank you and I've noted your topic suggestion.
sir aap mere guru ho aapse boht sikhne mila h . thank u sir
Mohammed Adnan Pathan
Assalamu alykom
Plz ishan llb dekha karu bahut badiya knowledge milega
Thanks sir, this video was helpful ! ♡
sirr aapka way of teaching bhtt acha h
Last year turnover ka 20% funding hota he cc . Ye bank to bank depends krta he
Brother which banks give easily this facility.. I hv my account with Indusind. They are not giving me this facility
Cash credit limit is not calculated on last year Turnover ,it is calculated on the projected turnover and projected turnover is set on the basis of last year Turnover .
Awesome video
Thanks :)
Kya saving account mai overdraft facility nahi milti ??
No, it is only for current account
Milta hai 2 Lakh se jada MAB maintain karna parta hai
@@YTDIslam kaunsa bank provide kar raha hai ye?
Nice sir ..Apke saare video bahut acche he...Apko bahut knowledge he...Fiance or banking terminology or knowledge ke liye ap koi book suggest kriye . Mujhe pdana he
Thanks Devendra :)
@@AssetYogi sir finance ke knowledge ke liye book or btaiye
Bhaiya ap Recruitment samjha sakte hh plz Wednesday exam h
Bhaiya plz
THANKS ALOT SIR FOR CLERIFYING OUR CONCEPT.....KEEP TEACHING US SIR
Can you tell me sir how can i reduce my cc limit... what's the process
Can u tell me which paper required for cc any gst no. Or any thing repley me plzz
Very nice sir very easy to understand thnku sir keep going on....
Thanks for appreciation Manish :)
Dear Sir,
I submitted Stock Statement at Bank next month 10th to 15th day So Bank of baroda Charge Penal Int. Of last Six month of Rs. 4.6 Lacs So How Can Reverse the Penal Int.
U can mail to them & ask about it. if they couldn't take appropriate action you can go with their credit department, regional Office & HO also
One of the best video really
Thanks Afsar.
@@AssetYogi u most welcome sir
Cc me kitna parsent intrest padta h
Reply sir
Depend on repo rate and bank
Bahut sahi bataya h bhai apne cash credit limat h
Achcha laga sun ke :)
please tell me what is debit interest capitalised???
Private lenders capitalize interest on loans when you either do not make payments at all or make partial payments. When your interest is capitalized, the interest charges you failed to pay are added into the principal balance of your loan. This increases the total amount you owe.
Sir DD (Demand Draft) Pe ek video bana dijiye
Sir ,cash credit is a current liabilities?
Yes
It is a secured loan against stock, debtor's or against property
Liability for company.. Asset for bank
yes dear it will count in liabilities of an proprietor.
What is agriculture over draft limit. How to pay loan amount. Give full detailed video.
What does mean by pay on demand
Very helpful information thanks sir
I hope this will be helpful Damini :)
Sir ur vedio is very nice nolgefull thanks for vedio plz. App uplod karna band mat karna
धन्यवाद 😊 Suresh
Dear Sir, Can you make a video on how commercial Cibil works ?
You explain clearly ....thanks Sir
बहुत बहुत धन्यवाद 🙏
Thanks Avinash
Bahut acha tarika h sir aapke samjhne ka
Nice video Sir explained very clearly, Thank you👍🙏
Thanks Sauri
Sir details ITR Explain kijiye na, jaise ki balance sheet, assets and liabilities ke bare me...
No.1 ........
Thank you Rahul
Sir cash credit or loan me ky difference h
Great
Thanks Karan :)
video apka bahut achha but itni fast bole h ap maza nhi aya agar 50 minut ki v video bnaynge to hm dekhenge plz isi topic ko achhe cover kar k again video bnay apse humble request h sir ...
Very Nice
In cc limit aur overdraft account me intrest kaise calculate hota hai aur account ke liye kya koi charges bhi bank lete hain..?
Please share a video of concurrent audit
Thanks sir for u ur kind information
Pls make separate videos on Cash credit
Watch this video: ua-cam.com/video/0Qo2nqNVsCs/v-deo.html
Sir plz provide videos for how to prepare estimated balnace sheet with example
mind blowing explanation thanks
Thank you for appreciating Naushad
Nycc video and easy explain
Hope it helps :)
Pls share ur video about dropline od...
Awesome
I clear all my doubts ....thank u soo much sir ......😇
Keep supporting Abhilash :)
Cash credit account se cash me amount withdraw karke personal purpose k liye use kar sakte he kya
Cash credit mai interest rate kitna hai sir...please tell me...
Topic sir bridge loan and participation loan
Make a vedio please
Agar mujhe ek gym open karna hai to uske liye mujhe 10 lakhs chahiye to mujhe cc lena chahiye ya od lena chahiye aur mere paas current account bhi nahi hai sirf saving hai to kaise business start hoga plz iski details bata dijiye
Thank you for my soling problem
Keep learning :)
We learn a lot of thinks by your video... Its very much helpful for a banker....we expect that you will make all banking related videos...... from bangladesh...Eastern Bank Ltd (EBL)....