Join my skills development course.. mera sikhaya hua hr trh k pkode talna na Sikh le to Delhi k Rajpath pr muje tel me tal dena
Yaar koi learning space ke videos ki link bhej sakta hai jo kaam karte ho.. jo link kholta hun videos cannot be played aa raha hai.. pls post d link in case anyone has it.. thanks in advance guys..
What is the Business Correspondent (BCs) model for financial inclusion?
The RBI has allowed banks to appoint entities and individuals as agents for providing basic banking services in remote areas where they can’t practically start a branch. These agents are called business correspondents. BCs are considered as practical solutions to extend basic banking services to the nearly 600000 village habitations in the country. Business Correspondents are hence instrumental in facilitating financial inclusion in the country.
What are BCs?Business Correspondents are retail agents engaged by banks for providing banking services at locations other than a bank branch/ATM. BCs enable a bank to provide its limited range of banking services at low cost. They hence are instrumental in promoting financial inclusion.
What are the functions of BCs?BCs have to do a variety of functions viz, identification of borrowers, collection of small value deposit, disbursal of small value credit, recovery of principal / collection of interest, sale of micro insurance/ mutual fund products/ pension products/ other third party products and receipt and delivery of small value remittances/ other payment instruments, creating awareness about savings and other products, education and advice on managing money and debt counseling, etc.
What types of products can be provided by BCs?As per the RBI guidelines the products provided by BCs are: Small Savings Accounts, Fixed Deposit and Recurring Deposit with low minimum deposits, Remittance to any BC customer, Micro Credit and General Insurance.The BC model allows banks to provide door-step delivery of services especially ‘cash in – cash out’ transactions at a location much closer to the rural population, thus addressing the last-mile problem.
Who can act as BCs?The RBI has provided a long list of entities and persons who can act as BCs. Initially the entities permitted to act as BCs included registered entities like NGOs/ MFIs. Later, the list expanded to include individuals like retired bank employees, retired teachers, retired government employees and ex-servicemen, individual owners of kirana / medical /Fair Price shops, individual Public Call Office (PCO) operators, agents of Small Savings schemes of Government of India/Insurance Companies, individuals who own Petrol Pumps, authorized functionaries of well-run Self Help Groups (SHGs) which are linked to banks. Any other individual including those operating Common Service Centres (CSCs) are also allowed to act as BCs of banks.Though the BC model was attractive it has not delivered effectively because of the many shortcomings associated with it. Firstly, banks have imposed higher restrictions on operations of BCs. Secondly, salaries of BCs were very low compared to the physical work they have to do to cover the distant areas. The JDY also heavily relies the operations of BCs for continuation of account activities by the village people who started the account as part of the programme.
Yaar koi learning space ke videos ki link bhej sakta hai jo kaam karte ho.. jo link kholta hun videos cannot be played aa raha hai.. pls post d link in case anyone has it.. thanks in advance guys..
Bhai log... koi learning space ke videos ki link bhej sakta hai jo kaam karte ho.. jo link kholta hun videos cannot be played aa raha hai.. pls post d link in case anyone has it.. thanks in advance guys..
I am a Hindu but seriously why all Hindu kings in our films portrayed as dharmatmas, they were corrupt, bad and divisive. Most of tax and land reforms were not initiated by them who we are fooling, RSS people please don't reply to this post.
JLG and SHG are same or different
Gems like Nilesh Shah and Rakesh Jhunjhunwala must be included in PM's Economic Advisory Council. Practical, wise men with deep knowledge of Economy and markets. These people are also ignored by Mainstream Media because they don't conform to the ideological dogmas of Politics.
Rough Sheet & Sketch Pen provided in IBPS CLERK MAINS on 21st Jan 2018 were something like this...👍
Breaking News -- पुजारा ने 54 ball में खाता खोला, 1:30 घण्टे खेलने के बाद... 😂😂😄😄
Guys how is talent spirit online coaching program? Has anybody taken it. Please provide a review.
Kal padmavaat movie dekhne Kon ja raha h?
- M jaunga, m nhi darta
- M nhi jaunga,marna nhi h
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kisi k paas learning space k banking modules ka google drive linka h tou bata dou ps..
Ibps po interview, you have done
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I don't follow much Cricket these days but all this talk of Pujara's Glacial scoring reminds me of SCG(2008), when Rahul Dravid went scoreless for 39 deliveries and finally when he got that single, the crowd started applauding him sarcastically. The class act that RSD is, he raised his bat and acknowledged the Applause. 😎😉 https://m.youtube.com/watch?time_continue=59&v=LndOe8cLiF4
IDBI po interview application form reprint nhi Kar PA rha hi. Registered email id delete ho gyi hai kya Karun?
bankers dont break-up, they just lose 'interest'😀😀
Why banking ke jawab me while we will be chanting "banking chalisa" to beech me interrupt krke puch dega ki itna hi acha h ye field to SBI q ni jaate...wo to best hai..n agar sbi nikal gya to chor ke bhaagoge ki ni Bete.... rbi me to aukaat se bahar ka excuse de denge par sbi aur ibps me ab jyada fark reh ni gya h competition me...plz throw some light guys
Mere pas 2012 ka Caste Certificate hai ,SC category.. Valid hoga interview k liye??
For those who are appearing from Gujarat
All about Gujarat:
Districts:33
Population: >60million
Famous Indus valley civilisation sites: Dholavira, Lothal
Formation: 1st May , 1960
Largest city: Ahmedabad
Governor: Om Prakash Kohli
CM: Vijay Rupani(constituency- Rajkot west)
Deputy CM: Nitin Patel(mehesana constituency)
Animal: Asiatic Lion
Flower:Marigold
Fruit:Mango
Song:Jai Jai Garvi Gujarat
Tree: Banyan
Bird:Flamingo
Largest river: Sabarmati
Sex ratio: 918
Number of seats in legislative assembly: 182
1st female CM of state: Anandiben Patel
Has the longest seacoast of India
Busiest railway station: Vadodara