RBI rules n regulation..

25% reduction repo rate Timely repayment NPA non perdorming asset min : recovery process Brand leveL: work attest on the basis on advances (term loan , house loan, short term loan n Cash credit limits) Background check: Income tax return (last 3 years) , Source of income :salaried, rental , business return majorly considered to be 70% of it , FD interest. Check on the basis of expenses, physical verification is also done to re confirm what he is portraying even guarantor is done. guarantor is majorly the a/c holder og the same ban wid min year Name, add ,pan no., adhar card, Lower in forex Person to person vouchers are verified by name of the person who was handled in the a/c KYC know ur customer : are attached to the different a/cs of the customer Annual information return prepared by bank for income tax like a/c wid more than 10L, 50 lakh in a day, etc. every year in april IT check the a/c with the icome tax return Records: paying slip, deposit slip, drafts, local collection, foreign collect, and other requirements. All the pan number, tds deduction from the accounts. Loan limit for each branch.... Maintain CRRevery second Friday they check kitna balance hai uske hisaab se CRR maintain karna padta hai Limitation : KYC is not given tottaly, trust isnt developed totally amogst the customer basically lowest class DEMAT : dematerialization a/c purchase debitsell cr. [margin money is maintain with sebi] (demat a/c is generally linked with a saving account) per 100 rupee .25 or .75 chareges or a/c handling charges REMAT : Pledge and unpledge : multiple pledging ka dhayan [girvi rakha shares with bank or use existing share for future purchase of share9] (