Thanks a lot Sir. Request your help. I have Tata DLOD of 25 Lakhs limit for 7 years including initial 2 Years of Flexi which is going to end in Dec-23 and from Jan-24 Dropline will start. I am getting calls from different banks/agents that your utilized limit of 10 Lakhs will be converted to personal loan if not fully paid before due date or transfer it to their bank with lower interest rate on personal loan. As per my understanding 25 Lakhs will be reduced on 5 Lakhs per annum and my utilization is way below the dropline - does it still converted to PL once DL started if even single rupee is utilized? Please clear my doubt to take necessary action in advance.
Sir will we obligate the dropline amount and interest while calculating eligibility and kindly make video on types of loans like demand loan, kisan credit card, cc, od etc and how will we obligate the same while calculating eligibility
Dropline overdraft can be treated in two ways: if u r giving it for working capital purpose then u should treat it as like cc or OD limit and if you are giving it for capex purpose then like normal term loans and that way it's drop will get obligated. Pl remember that you can treat this either way as per your organization policy/acceptance. I have already made few videos on different type of products, please check the playlist section on my UA-cam page
Sir I have received takeover cum conversion application for DLOD ,where I have received sanction copy dated sep 2019 of Rs 150.00 lakhs , later the limit was enhanced with some amount ,later one LAP of Rs 25 lakhs has been merged in DLOD , now I have received last 12 months DLOD statement ( this merging and enhancement of DLOD is informed by RM/ Sales Person ,without any sanction copy or backed with supporting document or actual merged and enhancement amount , as borrower is unable to provide) now DLOD after merger and enhancement the assigned limit is informed to be Rs.210.00 Lakhs and while scrutizing statement I have observed that there is no declining trend ,in one month it is Rs.185 lakhs next month it is Rs.190 lakhs etc , how to assess limit utilization in such statement and is there way to assess statement with the given information ...
Check if any details mentioned in cibil like tenor/dp etc. Or check whether anything mentioned in bank statement. If not check if there are any overdues or dpd reported in cibil or not and regular transactions and timely interest servicing is done or not in DLOD. If satisfactory then okay then please rely on client's statement. You can also cross check from your friends working in that bank where DLOD is taken and see whether they can provide any info to you or not.
Sir interest servicing is regular , no dpd in Cibil ,however the lap which is informed to merged is showing as Lap only and CIBIL , CMR is 6 on account of 98% limit utilization in last 12 month apart from the mentioned no adverse remark observed in CIBIL report..my major concern is how to check the DLOD limit utilization and as latest sanction copy is not available and LAP statement is also not available, how to check what is the present actual limit
What is limit sanction amount and drawing power reported in cibil? What is last reporting date of DLOD in cibil? Is any tenor or loan end date mentioned?
Thank you Sir.
Your welcome
Kindly share your hand written pdf in every vdo its helpful to the note.
Ok
Thank you🙏🌹🌹🌹🌹
Your welcome
Sir jitna withdraw kranga utna par hi intrest laga ga na
Yeah
Thanks a lot Sir. Request your help. I have Tata DLOD of 25 Lakhs limit for 7 years including initial 2 Years of Flexi which is going to end in Dec-23 and from Jan-24 Dropline will start. I am getting calls from different banks/agents that your utilized limit of 10 Lakhs will be converted to personal loan if not fully paid before due date or transfer it to their bank with lower interest rate on personal loan. As per my understanding 25 Lakhs will be reduced on 5 Lakhs per annum and my utilization is way below the dropline - does it still converted to PL once DL started if even single rupee is utilized? Please clear my doubt to take necessary action in advance.
No, nothing as such can be done. Facility type cannot be changed without customer concurrence
@@AnkushJain Thanks a lot Sir
Your welcome
Sir can you give subtitles for this video
Will try
Hello sir ,are you listening my heart ,I was about to ask this topic ,and just saw this video, Thank you Guruji
Thank you 👍
Sir will we obligate the dropline amount and interest while calculating eligibility and kindly make video on types of loans like demand loan, kisan credit card, cc, od etc and how will we obligate the same while calculating eligibility
Dropline overdraft can be treated in two ways: if u r giving it for working capital purpose then u should treat it as like cc or OD limit and if you are giving it for capex purpose then like normal term loans and that way it's drop will get obligated. Pl remember that you can treat this either way as per your organization policy/acceptance.
I have already made few videos on different type of products, please check the playlist section on my UA-cam page
Hi,
Can we consider dropline amount while calculating DSCR?
Yes we can. However if DLOD is for working capital purpose only then you may also consider it treating as CC/OD instead of term loan
Credit process audit?
Credit process audit is not covered
Sir I have received takeover cum conversion application for DLOD ,where I have received sanction copy dated sep 2019 of Rs 150.00 lakhs , later the limit was enhanced with some amount ,later one LAP of Rs 25 lakhs has been merged in DLOD , now I have received last 12 months DLOD statement ( this merging and enhancement of DLOD is informed by RM/ Sales Person ,without any sanction copy or backed with supporting document or actual merged and enhancement amount , as borrower is unable to provide) now DLOD after merger and enhancement the assigned limit is informed to be Rs.210.00 Lakhs and while scrutizing statement I have observed that there is no declining trend ,in one month it is Rs.185 lakhs next month it is Rs.190 lakhs etc , how to assess limit utilization in such statement and is there way to assess statement with the given information ...
Check if any details mentioned in cibil like tenor/dp etc. Or check whether anything mentioned in bank statement. If not check if there are any overdues or dpd reported in cibil or not and regular transactions and timely interest servicing is done or not in DLOD. If satisfactory then okay then please rely on client's statement. You can also cross check from your friends working in that bank where DLOD is taken and see whether they can provide any info to you or not.
Sir interest servicing is regular , no dpd in Cibil ,however the lap which is informed to merged is showing as Lap only and CIBIL , CMR is 6 on account of 98% limit utilization in last 12 month apart from the mentioned no adverse remark observed in CIBIL report..my major concern is how to check the DLOD limit utilization and as latest sanction copy is not available and LAP statement is also not available, how to check what is the present actual limit
What is limit sanction amount and drawing power reported in cibil? What is last reporting date of DLOD in cibil? Is any tenor or loan end date mentioned?
@@AnkushJain sanctioned /outstanding/drawing power all with 192.76 lakhs tenor 135 months as per CIBIL report
With maturity 28 feb 2031,last reporting date 30th April 2022
Sir stock audit report ka format samza do na PNB & UBI bank ka
Hi Manisha. Main kisi bank ka particular format nahi samjha pauga but ik generalized concept video bna duga ik normal format pe
Stock audit ppt cahiye ta sir
Separate video will be made on stock audit