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loanz-360 · 7 days ago

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Car Loan

Who Are the Best Providers of Car Loans? With numerous lenders offering competitive deals, finding the best provider can feel overwhelming. However, the right choice will depend on your financial situation, loan preferences, and the type of vehicle you wish to buy. Below, we’ve compiled a list of the best car loan providers based on reliability, interest rates, loan terms, and customer service.

1. Traditional Banks

Pros:

Lower Interest Rates: Established banks often offer competitive rates, especially for customers with excellent credit scores.

Reputation: Banks like HDFC, SBI, and ICICI have long-standing reputations for reliability.

Variety of Loan Products: Banks typically provide both new and used car loans with flexible repayment options.

Cons:

Stringent Eligibility Criteria: Customers need a high credit score and steady income to qualify for the best rates.

Longer Processing Times: Approval and disbursal may take a few days.

Top Pick: HDFC Bank — Offers loans with competitive interest rates starting as low as 8.5% for new cars, and a hassle-free application process for existing customers.

2. Credit Unions

Pros:

Personalized Service: Credit unions often provide a more personal touch compared to large institutions.

Lower Fees: These non-profit organizations tend to have fewer charges than banks.

Flexible Credit Requirements: Suitable for borrowers with moderate credit scores.

Cons:

Membership Restrictions: You need to be a member to access their services.

Limited Online Features: Not all credit unions have robust digital platforms for managing loans.

Top Pick: State Employees Credit Union (SECU) — Renowned for its low rates and community-focused approach.

3. Online Lenders

Pros:

Speedy Approvals: Many online lenders offer instant approval and fund disbursal within 24 hours.

Convenient Application: Everything from application to repayment can be managed online.

Competitive Rates: Some online platforms specialize in low-interest car loans.

Cons:

Limited Physical Support: No in-person assistance for complex queries.

Variable Terms: Interest rates can be higher for borrowers with average credit.

Top Pick: Loanz360 — A trusted name in online lending, Loanz360 offers customized car loan solutions with competitive rates and a fast, paperless process.

4. Dealership Financing

Pros:

Convenience: Financing is arranged directly at the dealership, making it a one-stop solution.

Promotional Offers: Dealers often have special tie-ups with banks and lenders, offering low rates or zero down payment options.

Cons:

Higher Costs: Interest rates may be slightly higher than those offered by banks or credit unions.

Limited Loan Terms: Options may be less flexible than other lenders.

Top Pick: Maruti Suzuki Finance — A leading choice for Indian car buyers, it provides tailored loans for Maruti vehicles with competitive interest rates.

5. Fintech Companies

Pros:

Innovative Solutions: Fintech firms offer unique features like AI-driven eligibility assessments and instant loan calculators.

No Credit Bias: Some platforms cater to borrowers with poor or no credit history.

Cons:

Higher Interest Rates: Rates may be on the higher side compared to traditional banks.

Limited Customer Support: Assistance is primarily digital.

Top Pick: CredR — Known for its specialized financing solutions for used vehicles, CredR offers easy repayment plans and quick processing.

How to Choose the Best Provider?

When deciding on a car loan provider, consider the following:

Loan Tenure: Choose a tenure that aligns with your financial goals — shorter terms save on interest, while longer ones lower monthly payments.

Customer Support: Option for a lender with responsive and reliable support.

Processing Fees: Check for any hidden charges like processing fees or prepayment penalties.

Conclusion

The best car loan provider ultimately depends on your specific needs. Whether you value low interest rates, quick approval, or personalized service, there’s an option out there for you. Among the options, Loanz360 stands out for its fast processing, competitive rates, and customer-first approach. By evaluating the pros and cons of each lender, you’ll be one step closer to driving home your dream car.

for the more details follow us on at:https://loanz360.com/car-loan/

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sumit272 · 1 month ago

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Do colleges provide financial aid or loan assistance for students?

Yes, many MBA colleges in Mumbai provide financial aid and loan assistance to support students in managing the cost of education. Recognizing the financial Top MBA PGDM Colleges In Mumbai burden associated with pursuing a management degree, institutions collaborate with banks, financial institutions, and government programs to make MBA education more accessible. Here’s a detailed look at the options available:

1. Need-Based Financial Aid

Several colleges offer need-based financial aid to students from economically weaker sections. This type of assistance is provided to ensure that financial constraints do not prevent deserving students from accessing quality education.

Eligibility: Students must provide proof of their family’s income, such as income certificates or IT returns, to demonstrate financial need. ATLAS SkillTech University, (ASU) Mumbai

Coverage: Aid may include partial or full tuition fee waivers, subsidized living expenses, or both.

Examples: Institutions like SPJIMR and JBIMS offer need-based assistance to students meeting specific criteria.

2. Merit-Based Financial Support

Top-performing students are often eligible for financial aid based on academic excellence or entrance exam scores.

Eligibility: High scores in entrance exams such as CAT, MAT, or GMAT and an excellent academic record.

Coverage: Tuition fee discounts or complete scholarships.

Examples: NMIMS offers merit-based scholarships to students with exceptional academic records or exemplary leadership qualities.

3. Loan Assistance Programs

Mumbai MBA colleges often have tie-ups with banks and financial institutions to provide easy loan options to students. These loan assistance programs feature:

Quick Processing: Dedicated help desks or loan facilitation cells streamline the loan application process.

Lower Interest Rates: Partnered banks may offer subsidized interest rates, flexible repayment terms, or deferred payment options.

Examples:

NMIMS collaborates with banks like SBI and HDFC to offer education loans. Narsee Monjee Institute of Management Studies, Mumbai

Institutions like SPJIMR have tie-ups with Credila, Avanse, and Axis Bank for customized loan solutions.

4. Government and Private Schemes

Students can also avail of financial aid through government programs or private organizations.

Government Schemes: Programs such as the Central Sector Interest Subsidy Scheme (CSIS) for economically weaker sections and state-level scholarships help students manage their financial requirements.

Private Assistance: Companies or philanthropic organizations, such as the Aditya Birla Group and Tata Trusts, offer scholarships that MBA students can apply for.

5. College-Sponsored Installment Options

To reduce financial stress, some colleges allow students to pay their fees in installments.

Flexibility: Tuition fees can be split into smaller amounts paid over a period.

Benefits: Reduces the Amity Global Business School, (AGBS) Mumbai immediate financial burden on students and families.

6. Alumni and Corporate Sponsorships

Alumni Support: Some colleges have alumni-sponsored funds to support financially struggling students.

Corporate Sponsorships: Companies may sponsor students in exchange for service bonds or internships after graduation.

Conclusion

MBA colleges in Mumbai provide comprehensive financial aid and loan assistance to make management education accessible for students from all backgrounds. Through scholarships, loans, and flexible payment options, these institutions help reduce financial barriers and enable students to focus on their academic and career goals.

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ajayvermablog · 2 months ago

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Aspirants’ Guide to Upcoming Government Banking Recruitment

Government banking recruitment is a significant milestone for individuals aspiring to secure a stable and rewarding career in the banking sector. With numerous exams conducted annually for positions in prestigious institutions like the Reserve Bank of India (RBI), aspirants need to be well-prepared and informed about the recruitment process. Among these, the RBI Grade B exam is highly coveted due to its challenging nature and the lucrative career it promises.

Staying updated on the RBI Grade B notification is critical for aspirants who want to apply for this prestigious exam. The notification provides all the essential details, including exam dates, eligibility criteria, and syllabus. Missing out on this key update could lead to losing the opportunity to participate in one of the most important exams in the banking sector.

Key Recruitment Exams for Government Banking

The Indian banking sector conducts multiple exams each year to recruit talented individuals for various positions. Some of the most prominent exams include:

RBI Grade B: One of the most prestigious exams in the government banking sector, offering positions as Grade B officers in RBI.

SBI PO: Conducted by the State Bank of India for the recruitment of Probationary Officers.

IBPS PO/Clerk: The Institute of Banking Personnel Selection conducts exams for the recruitment of Probationary Officers and Clerks for various public sector banks.

NABARD Grade A & B: For aspirants looking to join the National Bank for Agriculture and Rural Development.

SEBI Grade A: Securities and Exchange Board of India conducts this exam to recruit Assistant Managers in various streams.

Understanding the RBI Grade B Notification

The RBI Grade B notification is the most critical document that aspirants need to keep an eye on if they are preparing for this exam. It contains crucial information, including:

Eligibility Criteria: Details on educational qualifications and age limits.

Application Process: Guidelines on how to register, required documents, and fees.

Exam Pattern: Information on the phases of the exam, subjects covered, and marking scheme.

Vacancy Details: The number of vacancies available, which is an important factor in determining the level of competition.

Important Dates: Application start and end dates, exam dates, and result announcement timelines.

How to Stay Informed About Recruitment Notifications

Given the number of government banking exams, staying updated on recruitment notifications is essential for any aspirant. Here are a few tips to ensure you don't miss out:

Official Websites: Regularly visit the official websites of the exam-conducting bodies such as RBI, IBPS, and SBI. Bookmark their recruitment pages for quick access.

Mobile Notifications: Subscribe to SMS or email alerts on official portals, ensuring you receive updates about exam dates and notifications.

Mobile Apps: There are several banking exam preparation apps available that send real-time updates about upcoming notifications and deadlines.

Social Media: Follow official handles of government institutions on social media platforms like Twitter, LinkedIn, and Facebook. Important notifications are often posted on these platforms.

Online Forums: Join banking exam preparation groups and forums on websites like Quora and Reddit. Fellow aspirants often share updates and discussions on recruitment notifications.

Preparation Strategy for Government Banking Exams

Once you are aware of the upcoming notifications, it’s time to begin your preparation in earnest. Here's a quick strategy guide to help you prepare efficiently:

Understand the Syllabus: Go through the syllabus mentioned in the recruitment notification. For exams like RBI Grade B, the syllabus is comprehensive, covering subjects like General Awareness, Economic and Social Issues, and Finance and Management.

Create a Study Plan: Break down your preparation into daily and weekly targets. Allocate more time to subjects where you feel less confident.

Mock Tests: Practice is key. Take as many mock tests as possible to familiarize yourself with the exam pattern and improve time management.

Study Material: Use standard books and resources recommended by successful aspirants. Online study portals also offer materials specifically tailored to government banking exams.

Revision: Regular revision is essential to retain concepts. Allocate specific days or times for revisiting important topics.

Conclusion

Aspirants aiming for a successful career in government banking need to stay well-informed and fully prepared. The RBI Grade B notification, along with other key exam announcements, plays a crucial role in determining the preparation path for these competitive exams. By adopting a systematic approach and staying updated, aspirants can give themselves the best possible chance to succeed in these prestigious exams.

#rbi grade b notification

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latestgovtjobnews · 1 year ago

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SAIL hiring for roles at Rourkela Steel Plant, Odisha Mines; check eligibility, selection, benefits.

New Post has been published on https://www.jobsarkari.in/sail-hiring-for-roles-at-rourkela-steel-plant-odisha-mines-check-eligibility-selection-benefits/

SAIL hiring for roles at Rourkela Steel Plant, Odisha Mines; check eligibility, selection, benefits.

Steel Authority of India Limited (SAIL) is inviting applications for various posts in Rourkela Steel Plant (RSP) and different mines under the Odisha Group Mines (OGoM). The available positions require candidates to have a B.E./B.Tech degree in relevant fields and post-qualification experience in executive cadre. The experience should be in areas such as blast furnace operation, steel melting shop operation, quality control, mechanical maintenance, hydraulic systems, information technology, mining engineering, project management, geology, and hotel management.

The eligibility criteria for the positions include a minimum of 50% marks for reserved posts and 60% marks for unreserved posts. The industry/organization where the candidate gained experience must be a public sector undertaking, government organization, public limited company, or joint venture of PSUs or the government. The maximum age limit for the posts is specified as of January 11, 2024.

The selection process for the posts will involve a computer-based test (CBT) and an interview. The CBT will consist of 100 multiple-choice questions on technical/professional knowledge and aptitude. The minimum qualifying marks for the CBT will be 50 percentile score for unreserved posts and 40 percentile score for reserved posts. Candidates will be shortlisted for the interview based on their performance in the CBT. The final selection will be based on the combined marks of the CBT and interview, with a weightage of 80:20, respectively.

Candidates belonging to SC/ST/OBC/EWS categories can also apply for unreserved posts if they meet the eligibility criteria. However, they will have to provide the necessary caste/category certificates issued by the competent authority. Candidates with disabilities (PwBD) are eligible to apply, and they should submit disability certificates in the prescribed format.

The application and processing fee for general/OBC/EWS candidates is Rs. 700, while SC/ST/ESM/PWBD candidates need to pay Rs. 200. The fee can be paid through the State Bank of India (SBI) using the SB Collect facility. Outstation candidates attending the interview will be reimbursed for their travel expenses as per the company’s policy.

Selected candidates will be offered attractive emoluments and benefits, including basic pay, industrial dearness allowance, perquisites, contributory provident fund, gratuity, and free medical treatment. House rent allowance will be provided if company accommodation is not available. The appointment will be on a regular basis, subject to medical fitness.

Candidates should submit their applications in the prescribed format along with the required documents to the designated address. The envelope should be superscribed with the post applied for and the advertisement number. It is important to note that incomplete or late applications will be rejected. Candidates should keep a copy of the e-receipt of the application fee for future reference.

The advertisement and application form can be accessed on the SAIL website. Any changes in the employment notice will be communicated through the website, so candidates are advised to stay updated. SAIL reserves the right to reject applications and cancel the recruitment process if necessary. The jurisdiction for any dispute will be at Rourkela, Odisha. The important dates for the recruitment process are mentioned in the advertisement. For further assistance, candidates can contact the designated phone number or email address during working hours.

Steel Authority of India Limited (SAIL) is inviting applications for various posts in Rourkela Steel Plant (RSP) and different mines under the Odisha Group Mines (OGoM).

Eligibility criteria include a B.E./B.Tech degree in relevant fields and post-qualification experience in executive cadre.

The selection process involves a computer-based test (CBT) and an interview, with the final selection based on the combined marks of the CBT and interview.

Candidates belonging to SC/ST/OBC/EWS categories can apply for unreserved posts if they meet the eligibility criteria.

The application fee is Rs. 700 for general/OBC/EWS candidates and Rs. 200 for SC/ST/ESM/PWBD candidates.

SAIL Recruitment for Rourkela Steel Plant and Odisha Group Mines

Steel Authority of India Limited (SAIL) is hiring for various positions in Rourkela Steel Plant and Odisha Group Mines.

B.E./B.Tech degree in relevant fields and post-qualification experience in executive cadre are required.

Positions available in areas such as blast furnace operation, steel melting shop operation, quality control, mechanical maintenance, and more.

Eligibility Criteria

Minimum of 50% marks for reserved posts and 60% marks for unreserved posts.

Experience must be in a public sector undertaking, government organization, public limited company, or joint venture of PSUs or the government.

Maximum age limit specified as of January 11, 2024.

Selection Process

Computer-based test (CBT) and interview are part of the selection process.

CBT consists of 100 multiple-choice questions on technical/professional knowledge and aptitude.

Minimum qualifying marks for CBT: 50 percentile score for unreserved posts and 40 percentile score for reserved posts.

Selection Process (Contd.)

Candidates shortlisted for the interview based on their performance in the CBT.

Final selection based on combined marks of CBT and interview, with a weightage of 80:20, respectively.

Reservation for SC/ST/OBC/EWS Categories

Candidates belonging to SC/ST/OBC/EWS categories can apply for unreserved posts if they meet the eligibility criteria.

Necessary caste/category certificates issued by the competent authority must be provided.

Application Fee

General/OBC/EWS candidates: Rs. 700

SC/ST/ESM/PWBD candidates: Rs. 200

Fee can be paid through the State Bank of India (SBI) using the SB Collect facility.

Attractive Emoluments and Benefits

Selected candidates will receive attractive emoluments and benefits.

Benefits include basic pay, industrial dearness allowance, perquisites, contributory provident fund, gratuity, and free medical treatment.

House rent allowance provided if company accommodation is not available.

Application Process

Applications should be submitted in the prescribed format along with the required documents.

The envelope should be superscribed with the post applied for and the advertisement number.

Incomplete or late applications will be rejected.

Important Dates and Updates

The advertisement and application form can be accessed on the SAIL website.

Any changes in the employment notice will be communicated through the website.

Candidates are advised to stay updated.

Contact Information and Dispute Jurisdiction

Candidates can contact the designated phone number or email address during working hours for further assistance.

Disputes will be addressed at Rourkela, Odisha.

Key Takeaways

SAIL is recruiting for various positions in Rourkela Steel Plant and Odisha Group Mines.

Eligibility criteria include a B.E./B.Tech degree and post-qualification experience in executive cadre.

The selection process involves a CBT and an interview, with the final selection based on combined marks.

Reservation is available for SC/ST/OBC/EWS categories.

Application fee varies based on category. Stay updated on the SAIL website for important dates and updates.

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#All Posts

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reckonfinserv · 1 year ago

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SBI Elite Credit Card

In today's digital age, credit cards have become an essential tool for managing financial transactions conveniently and securely. Among the prominent players in the credit card industry, SBI Credit Cards stand out as a reliable and customer-centric option. With a wide range of cards tailored to suit various lifestyles and financial needs, SBI Credit Cards offer numerous benefits and rewards to their users. Let's explore the features and advantages that make SBI Credit Cards an excellent choice for individuals seeking a reliable financial companion. Benefits of SBI Elite Credit Card Welcome Benefits - Get e-gift voucher worth Rs. 5,000 Movies - Free movie tickets worth Rs. 6,000 every year - Transaction valid for at least 2 tickets per booking every month. Maximum discount is Rs. 250/ticket for 2 tickets only Rewards - Get 5X Reward Points on Dining, Departmental stores and Grocery Spends - Earn 2 Reward Points per Rs. 100 on all other spends, except fuel Milestone - Earn upto 50,000 Bonus Reward Points worth Rs. 12,500 per year - Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4lakhs Travel - Enjoy complimentary Trident Privilege Red Tier membership - Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India - Enjoy complimentary Club Vistara Silver membership - Get 1 complimentary Upgrade Voucher - Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights - Get exclusive 1,000 Welcome Points on registration - Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay, by using Promo code: SBITH Others - Lowest Foreign Currency Markup Charge of 1.99% on International usage - Complimentary membership to the Priority Pass Program worth $99 - Dedicated assistance on flower delivery, gift delivery, online doctor consultation - 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 4,000, at any petrol pump across the country (maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account) - Complimentary credit card fraud liability cover of Rs. 1 Lakh Eligibility Criteria Salaried - Age Group: 21 - 65 years - Income Range: ₹20,000+ - Documents Required: - Identity proof: Any one of the documents - Passport, PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving Licence, or any other government-approved ID - Address proof: Any one of the documents - Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card, or any other government-approved ID - Income Proof: Salary certificate, Recent salary slip, Employment letter, etc. - You should be new to SBI Bank You must be an Indian resident - Credit Score should be 730+ Eligibility Criteria Self-employed ❏ Age Group: 21-70 years❏ Income Range: ₹30,000+❏ Documents Required: - Identity proof: Any one of the documents - Passport, PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving Licence, , or any other government-approved ID - Address proof: Any one of the documents - Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card, or any other government-approved ID - Income Proof: Certified financials, Recent ITR (Income Tax Returns), Audited profit and loss statement or balance sheet, etc. - You should be new to SBI Bank You must be an Indian resident - Credit Score should be 730+ Application Process Visit the SBI credit card website by clicking on the link shared by your advisor. Keep the following details handy to start the process - Your PAN card - Aadhaar card and - Bank account details 01 Click on ‘Start apply journey’ Now, select any card of your choice and click on ‘Apply Now’ Enter your personal details such as name, mobile number, tick the terms & conditions checkbox and click on 'Continue' 02 Enter your professional details such as employment type, office address and click on 'Continue to Digilocker' 03 Enter your Aadhaar number, Security code(captcha) and click ‘Next’ 04 Enter the OTP sent to your mobile number and click on 'Continue' 05 Your application has been 06 successfully submitted If your application is approved, the bank executive will contact you in the next 48 hours for verification and completion of KYC - On completion of the due process, the bank will take a final decision on card approval - Once approved, you will get the credit card within 7 to 15 days of the final decision Help & Support FAQs Experience Convenience and Rewards with SBI Credit Cards In today's fast-paced world, financial transactions have become an integral part of our daily lives. Whether it's paying bills, shopping online, or dining out, having a reliable and rewarding credit card can make a significant difference. State Bank of India (SBI), one of the largest and most trusted banks in India, offers a range of credit cards tailored to suit various needs. With SBI credit cards, customers can experience convenience, security, and exciting rewards like never before. Wide Range of Credit Cards to Suit Your Needs: SBI understands that every individual has unique requirements when it comes to credit cards. That's why they offer an extensive range of credit cards, ensuring there's something for everyone. Whether you are a frequent traveler seeking travel rewards, a shopaholic looking for cashback offers, or someone who wants to build their credit score, SBI has the perfect credit card for you. SBI Prime Card: This card is ideal for those who love to travel and indulge in luxury. With attractive travel benefits, complimentary lounge access, milestone rewards, and accelerated reward points, the SBI Prime Card is designed to provide a superior experience. SimplyCLICK SBI Card: Geared towards the tech-savvy generation, this card offers exciting rewards on online shopping. Earn accelerated reward points on e-commerce transactions and access exclusive deals from partner websites. SBI Card ELITE: For those who appreciate the finer things in life, the SBI Card ELITE is a premium offering that brings exclusive lifestyle privileges, golf privileges, and an extensive rewards program. SBI SimplySAVE Card: Designed to make everyday expenses more rewarding, this card offers cashback on various spends such as groceries, dining, and department store purchases. SBI IRCTC Card: Travel enthusiasts can make the most of this card as it provides excellent benefits on railway ticket bookings and other travel-related expenses. Convenience and Security: SBI credit cards are equipped with cutting-edge technology and security features, ensuring a safe and hassle-free experience for cardholders. With the added layer of security provided by the chip-and-PIN feature, customers can have peace of mind while making transactions at both physical stores and online portals. Moreover, SBI's 24x7 customer support is always available to assist with any queries or concerns, making the overall experience even more convenient. Rewarding Loyalty: One of the significant advantages of using SBI credit cards is the rewards program. Cardholders can earn reward points on every transaction and redeem them for a wide range of products, gift vouchers, or even to pay off outstanding bills. Additionally, SBI frequently offers exciting promotional campaigns, providing cardholders with the chance to earn bonus points and avail themselves of exclusive discounts. Easy Bill Payments: With SBI credit cards, paying utility bills becomes a breeze. Customers can set up autopay facilities for their bills, ensuring they never miss a due date. This feature not only saves time but also helps build a positive credit history, boosting one's credit score over time. Financial Discipline and EMI Options: SBI offers a convenient feature known as "Flexipay," which allows customers to convert big-ticket purchases into easy EMIs with attractive interest rates. This feature promotes financial discipline and empowers users to make essential purchases without straining their budget. Contactless Payments: SBI credit cards are contactless-enabled, making transactions quicker and more convenient. By simply tapping the card on the point-of-sale terminal, customers can make secure payments without the need to enter a PIN for small-ticket transactions. Conclusion: SBI credit cards have proven to be valuable financial tools for millions of individuals across India. The wide range of cards, coupled with convenience, security, and exciting rewards, makes SBI an excellent choice for both seasoned credit card users and those new to the world of credit. Whether you want to travel in style, earn cashback on everyday expenses, or experience financial flexibility, SBI has a credit card tailored to meet your needs. So why wait? Experience the world of convenience and rewards with SBI credit cards today! - Is SBI Pulse credit card beneficial for fitness freaks? Yes, you can say that the SBI Pulse credit card is made for fitness freaks, where the user gets a complimentary Noise ColorFit Pulse Smartwatch after paying the joining fee. You can track your fitness activities through this smartwatch. - How can I access my FITPASS PRO membership using the SBI Card Pulse? You will have to make a prior reservation using the FITPASS mobile application. - Can I use SBI Card Pulse internationally? Yes, SBI Card Pulse can be used in over 24 million outlets across the world. - Is SBI Card Elite credit card internationally acceptable? SBI ELITE credit card is accepted at over 24 million Visa outlets worldwide, including 3,25,000 outlets in India. - Does SBI Card Elite credit card provide Fraud liability cover? Yes, you get a cover of Rs. 1 Lakh against fraudulent transactions. - Does SBI Card Elite credit card offer fuel surcharge waiver & if yes, where can I avail it? Yes, SBI Elite Credit Card offers fuel surcharge waiver. It can be availed at any petrol pump in India. - How can I connect with SBI Bank customer care? Please call SBI's 24X7 helpline number i.e. 1800 1234 (toll-free), 1800 11 2211 (toll-free), 1800 425 3800 (toll-free),1800 2100(toll-free), or 080-26599990. Congratulations! Enjoy the benefits of SBI Credit Card. Read the full article

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nickyysharmi · 2 years ago

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Top 5 Banks And NBFCs For Small Business Loans In India

Running a small business requires adequate financial support, and securing a loan from a reliable institution is often the first step for entrepreneurs. In India, several banks and Non-Banking Financial Companies (NBFCs) offer small business loans. In this blog, we will explore the top six institutions that provide financial assistance to small businesses across the country.

1. State Bank Of India (SBI)

SBI, India's largest public sector bank, has a dedicated loan scheme called SBI SME Loan for small and medium enterprises. With competitive interest rates and flexible repayment options, SBI offers substantial financial assistance to small businesses. The bank is led by Chairman Dinesh Kumar Khara.

Also Read: Top 5 Personal Loan Apps In India

2. HDFC Bank

Known for its comprehensive financial services, HDFC Bank offers small business loans tailored to meet the specific needs of entrepreneurs. The bank's offerings include working capital loans, equipment financing, and business expansion loans. HDFC Bank is led by Managing Director and CEO, Sashidhar Jagdishan.

3. ICICI Bank

ICICI Bank's SME Business Loan offers flexible loan terms and attractive interest rates for small businesses. They provide customized financial solutions, including working capital loans, machinery loans, and business growth loans. Sandeep Bakhshi serves as the Managing Director and CEO of ICICI Bank.

Also Read: Understanding CRISIL Rating: How It Affects Borrowing Costs and Investor Confidence

4. Axis Bank

Axis Bank's small business loans empower entrepreneurs with the necessary capital for their ventures. The bank offers loans for both short-term and long-term requirements, including inventory funding, machinery loans, and business expansion loans. The bank is led by Managing Director and CEO Amitabh Chaudhry.

5. Poonawalla Fincorp

Poonawalla Fincorp, a leading NBFC in India, provides comprehensive financial solutions for small businesses. Their range of loan products includes working capital loans, equipment financing, and trade finance. Led by MD Abhay Bhutada, Poonawalla Fincorp is committed to supporting the growth of small businesses across the country.

6. Bajaj Finserv

Bajaj Finserv, another prominent NBFC, offers small business loans with minimal documentation and quick approval processes. They provide loans for various purposes, such as working capital, business expansion, and equipment purchase. The company is led by Managing Director Sanjiv Bajaj.

Also Read: Top Credit Card Providers in India: Best Financial Institutions for Cardholders

Summary

Access to adequate funds is crucial for the success of small businesses in India. Whether it's a bank or an NBFC, the institutions mentioned above offer reliable financial solutions with favorable terms and conditions. Remember, each institution has its specific eligibility criteria and loan terms. It is recommended to thoroughly research and consult with financial advisors before finalizing any loan agreement to ensure the best outcome for your small business.

#bank loan #finance #Money Mangement #Banks #NBFCs #Small business

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careerguidanceafter10th · 2 years ago

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Best Universities for a Degree in Peace and Conflict Studies

Each year, September 21 is observed as the International Day of Peace. It was established in 1981 by the United Nations General Assembly and marked a period of cease-fire and non-violence. With the ever-growing need to provide public awareness and education to people on the issues of peace, pursuing a Degree in Peace and Conflict Studies has become a lucrative option for many people. They can even expect to get good job profiles in government departments and private think-tanks.

What is a Degree in Peace and Conflict Studies?

It is an interdisciplinary course that focuses on conflict resolution at both global and interpersonal levels. The course topics can vary for each institute, but they broadly cover the following issues – human rights, social movements, conflict management and resolution, conflict theory, and processes of change. This field of study takes the students through the knowledge of wars and their causes and resolution. Similarly, peace processes and treaties are also studied in depth.

How does a Degree in Peace and Conflict Studies help students for the future?

Students who have completed their degrees can eye various career options such as media specialists, journalists, communication coordinators, public relations officers, public advocates, human rights committee members, and speechwriters. They find themselves employed in governments, political offices, media outlets, think tanks, and public outreach organizations.

What are the Degrees in Peace and Conflict Studies Requirements?

Those who want to do a Master’s Degree in Peace and Conflict Studies are generally required to have a 3/4-year Bachelor’s Degree or a 3/4-year Honors Degree in the same field of study, although this might vary for different institutes. It is best to consult the admissions department of the institute that you are applying for to get a clear idea about the requirements.

Below are some of the best universities for a Degree in Peace and Conflict Studies in India

1. Tata Institute of Social Sciences (TISS)

Degree Offered – Master of Arts (Peace and Conflict Studies)

Eligibility Criteria – The candidate should have a three-year or four-year Bachelor’s Degree from any recognized university

2. Sikkim University

Degree Offered – MA Peace and Conflict Studies

Eligibility Criteria – The candidate should have a three-year or four-year Bachelor’s Degree from any recognized university

3. Jamia Millia Islamia

Degree Offered – M.A.(Conflict Analysis and Peace Building)

Eligibility Criteria – The candidate should have a three-year or four-year Bachelor’s Degree from any UGC recognized university

4. University of Mysore

Degree Offered – M.A. (Peace and Conflict Resolution)

Eligibility Criteria – The candidate should have a three-year or four-year Bachelor’s Degree from any recognized university

5. Jamia Hamdard

Degree Offered – M.A. (Peace and Conflict Studies and Management)

The candidate should have a three-year or four-year Bachelor’s Degree from any recognized university. The candidate should have a three-year or four-year Bachelor’s Degree from any recognized university

6. Symbiosis International University

Degree Offered – Violence, Conflict and Peace Studies Course

Eligibility Criteria – The candidate should have a three-year or four-year Bachelor’s Degree from any recognized university

How can a person with a degree in peace and conflict studies have a career in public policymaking?

To build a career in public policy making, a person with a master’s degree in peace and conflict studies can apply for various fellowships that offer immersive opportunities in the domain of public policymaking. Some of the best fellowships include Young India Fellowship, William J. Clinton Fellowship for Service in India, Teach for India, Chief Minister’s Good Governance Associates Program, SBI Youth for India, Legislative Assistant to Member of Parliament Fellowship, and many private Think Tanks.

In addition to fellowships, private Think Tanks also offer internship opportunities. The same can also be found with most central government ministries and departments such as the Ministry of External Affairs, Ministry of Finance, Niti Ayog, Ministry of Women and Child Development, and Ministry of Social Justice and Empowerment.

How can a person supplement their experience after gaining a degree in peace and conflict studies?

To improve experience and knowledge after completing a peace and conflict studies degree, the student can consider opting for liberal arts education in India. This will help them expand their thoughts and horizon to cover and combine many other areas such as humanities, mathematics, sciences, and statistics. Also, there are non-academic-oriented courses such as film, photography, and performing arts which will help the students with the power of imagination and visualization. These skills will eventually arm the person with additional knowledge and capabilities to do their work in peace and conflict management.

Conclusion

A Degree in Peace and Conflict Studies can open many doors for your professional future. It is a highly sought-after degree that teaches conflict theory, conflict management and resolution, human rights, and change. These skills are in high demand among government departments, social justice organizations, human rights watchdogs, research institutes, think tanks, and even academic institutions due to the highly volatile nature of geopolitics of the 21st century. If you are looking to obtain a Master’s Degree in Peace and Conflict Studies in India, six reputed universities offer degree courses in the domain of Peace and Conflict Studies. Students can then move into the realm of public policy in various departments and organizations.

If you are looking to obtain a degree in peace and conflict studies, connect with Mindler to get career counselling after 10th.

#career counselling after 10th #career counselling for 10th

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examsegg-blog · 3 years ago

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State Bank of India Specialist Officer Recruitment Guide

This is the web guide that helps you to get information about SBI SO recruitment exam eligibility, test pattern, exam centres, salary, recruitment process and also we provide free sample papers for SBI SO Recruitment Exam.

SBI Specialist Exam is conducts to recruit candidates for various posts in Statistics, Analytics, Library, Accounts, Economy, Management, Computers, Engineering, Language, Law and security departments.

Eligibility criteria for various posts in State Bank of India for Specialist Officer in various departments. Below we have mentioned age criteria (Min to Max.), min educational qualification (Full Time Degree or PG Degree) and minimum experience required (as position applying / relevant to the position applying).

Related: Mental ability quiz questions

1. Manager (Statistician):

Age: 21 to 35 years at 1 January of applying year. Education: PG Degree in Statistics/ Applied Statistics/ 4 years (Statistician) Econometricswith minimum 60% (aggregate). Min. Experience: 4 years

2. Dy. Manager (Statistician):

Age criteria: 22 to 30 years. Education: PG Degree in Statistics/ Applied Statistics/ 4 years (Statistician) Econometricswith minimum 60% (aggregate). Note: With addition to above qualification candidate with Full time MBA (Finance / Risk Management) with minimum 60% will be prefered. Min. Experience: 2 years

3. Asstt.Manager (Statistician):

Age criteria: 21 to 30 years. Education: Degree in Statistics/ Applied Statistics / Econometrics with minimum 60% marks. Min. Experience: 1 year

4. Chief Manager (Analytics):

Age criteria: 21 to 40 years. Education: M. Sc. (Statistics /Operations Research/ Computer Science) / MCA/BE/B.Tech. (CS/IT) / MBA Min. Experience: 7 years

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5. Asstt. Manager (Library):

Age criteria: 21 to 30 years. Education: PG Degree or Degree in Library Science Min. Experience: 5 years

6. Manager (CA):

Age criteria: 21 to 38 years. Education: Qualified Chartered Accountant Min. Experience: 3 years

7. Dy. Manager CA - I:

Age criteria: 21 to 35 years. Education: Qualified CA Min. Experience: 4 year experience

8. Dy. Manager CA - II:

Age criteria: 21 to 35 years. Education: Qualified CA Min. Experience: 4 year experience in Accounting (Chartered Standards/ Direct & Indirect Taxation/ Audit of Accountant in Bank)

9. Asstt. Manager CA:

Age criteria: 21 to 30 years. Education: Qualified CA

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10. Asstt. Manager (Economist):

Age criteria: 21 to 30 years. Education: MA Economics (minimum 55%) and M. Phil., knowledge of MS Office

11. Asstt. General (Risk Management):

Age criteria: 21 to 45. Education: MBA (Finance/ Risk Management) / PG Diploma in Risk Managemnet Min. Experience: 8 Years

12. Chief Manager (Market Risk):

Age criteria: 21 to 35. Education: MBA (Finance + FRM) / PG Diploma in Risk Managemnet Min. Experience: 5 Years

13. Manager (Market Risk):

Age criteria: 21 to 35. Education: MBA (Finance/ Risk Management) / PG Diploma in Risk Managemnet Min. Experience: 4 Years

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14. Manager (Risk Management):

Age criteria: 21 to 35. Education: MBA (Finance) / M. Sc. (Statistics) / M. Stat with PG Diploma in Risk Management / FRM / PRM Min. Experience: 4 Years

15. Dy. Manager (Risk Management):

Age criteria: 21 to 30 Education: MBA (Finance)/ M. Sc. (Statistics)/ M. Stat.. Candidate with FRM (Financial Risk Manager awarded by GARP) / PRM (Professional Risk Manager awarded by PRMIA) / PG Diploma in Risk Management, knowledge of MS Office, SPSS, SAS Min. Experience: 2 Years

16. Assistant Manager (Systems):

Age criteria: 21 to 30 Education: B.E./ B. Tech in IT / CS / EC / Electronics / ET / EI or M. Sc. in Electronics / ET / EC / EI / CS / IT / CA or MCA Min. Experience: 1 to 2 Years

17. Dy Manager (Civil Engineering):

Age criteria: 21 to 35 years Education: Degree in Civil Engineering with minimum 60%. Candidate with PG degree will be preferred. Min. Experience : 5 years

18. Asst. Manager (Civil Engg.):

Age criteria: 21 to 30 Education: Degree in Civil Engineering with minimum 60%. Candidate with PG degree will be preferred. Min. Experience : 2 years

19. Dy Manager (Electrical Engg.):

Age criteria: 21 to 33 Education: Electrical Engineering degree with minimum 60% marks. Candidate with PG degree will be preferred. Min. Experience : 3 years

20. Asst. Manager (Electrical Engg.):

Age criteria: 21 to 30 Education: Electrical engineering with minimum 60% marks. Candidate with PG degree will be preferred. Min. Experience : 2 years

Related: Indian National movement quiz question and answer

21. Dy. Manager (Official Language):

Age criteria: 21 to 33 Education: PG degree in Sanskrit, Hindi and English as subject or PG degree in Hindi with English as subject. Candidate who know local language will be preferred. Min. Experience : 2 years as a translator

22. Assistant Manager (Official Language):

Age criteria: 21 to 30 Education: PG degree in Sanskrit, Hindi and English as subject or PG degree in Hindi with English as subject. Candidate who know local language will be preferred. Min. Experience : 1 year as a translator

23. Asstt. General Manager (Law):

Age criteria: 40 to 45 Education: LLB and Post Graduation degree or Integrated Law Degree (like BA-LLB, B.Sc. LLB) Min. Experience : 15 years

24. Chief Manager (Law):

Age criteria: 21 to 45 Education: LLB and Post Graduation degree or Integrated Law Degree (like BA-LLB, B.Sc. LLB) Min. Experience : 10 years

25. Dy. Manager (Law):

Age criteria: 21 to 35 Education: LLB and Post Graduation degree or Integrated Law Degree (like BA-LLB, B.Sc. LLB) Min. Experience : 2 years

26. Assistant Manage (Law):

Age criteria: 21 to 30 Education: LLB and Post Graduation degree or Integrated Law Degree (like BA-LLB, B.Sc. LLB) Min. Experience : candidate should enrolled in Bar Council as an advocate

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27. Dy. Manager (Security):

Age criteria: 21 to 35 Education: Ex. ASP / Dy. SP in Police / Navy / Air Force / Army Min. Experience : 5 years

State Bank of India SO Selection Procedure:

Competitive Exam / Interview / Candidates Shortlisting process (depends on the post you are applying for). Question paper will be in Hindi and/or English.

Competitive exam will consist questions from English Language, Reasoning and/or Quantitative Aptitude and Profession knowledge (respective field).

Short listed candidates on the basis of merit list will be called for document verification / further process.

Candidates applying for the post in Security ( for example Dy. Manager-Security) need to send hard copy of computer generated application form with their recent photographs, relevent documents like DOB proof, service certificate, caste certificate (SC/ ST/OBC) at General Manager, State Bank of India, Central Recruitment & Promotion Department, Atlanta Building, 3rd Floor, BBR, Nariman Point, Mumbai – 400 021 Maharashtra.

Related: MCQ on types of Pollution

SBI SO Application Procedure :

Step wise application procedure is given below:

Candidate will need soft copy (image) of his / her photograph and signature.

You can pay fee by downloading and submiting challan / voucher generated after completing online application or by using Internet Banking / debit card/ credit card

SBI SO Exam Centres:

Ahmedabad

Bhopal

Vadodara

Bangalore

Vishakhapatnam

Sikandrabad

Kolkata

Greater Kolkata

Navi Mumbai

Greater Mumbai

Thane

Ranchi

Delhi

NCR

Hyderabad

Guwahati

Trivandrum

Chennai

Madurai

Lucknow

Jaipur

Jammu

Chandigarh

Ernakulam

Pune

Bhubaneshwar

Raipur

Mumbai

Nagpur

Varanasi

Patna

Srinagar

Dehradun

#sbi #banks #recruitment

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unoreads · 3 years ago

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Tips for SBI PO Preparation In 60 Days

State Bank of India annually conducts the SBI PO exam, and it is a dream for many Indian youths to get through this prestigious bank. For those of you who are writing the exam, here are some tips that will help you prepare in 60 days. SBI PO exam is not easy to crack in one go, as there are lakhs of aspirants who apply in the exam. The preparation for that is hard so it is always better to memorize and revise the topics often to be thorough with your preparation. We have brought you some tips and tricks for SBI PO preparation that will help you gain an edge over all other applicants.

The post of Probationary Officer is one of the most sought after posts in the banking sector. The Bank PO exam is conducted annually for the different Public Sector Banks in the country. Out of these Bank PO exams, SBI PO is one that attracts the maximum number of aspirants. The State Bank of India conducts its SBI PO exam in 3 stages- the prelims, mains and the interview round. The competition is very high as training in an SBI branch will help you to get a job anywhere in the country. Candidates preparing for other Government sector exams can get the best Preparation Strategy for Competitive Exams at the linked article and accordingly move forward with their exam preparation.

SBI PO Exam

Click here to know about the exam pattern, syllabus and eligibility criteria of exam. The State Bank of India conducts its SBI PO exam in 3 stages- the prelims, mains and the interview round. The competition is very high as training in an SBI branch will help you to get a job anywhere in the country.

Bank PO exam syllabus is vast and in order to score well in the upcoming SBI PO exam, candidates will have to go through this article. This is a detailed section-wise bank PO exam syllabus 2022 that will aid your preparation. If you have decided to sit for the SBI PO Exam, then you are at a right place. Here you will find the best strategy and tips for your preparation.

In addition to this, you can also go through the SBI PO Success story of past Bank PO toppers who have secured best scores by following the below-mentioned steps. Recent years have seen a surge in people flocking towards the banking sector, looking for career options. Excelling in this field will rely not only on knowledge but also skillful art. Achieving the post of SBI PO will require you to seek out information and tips from reliable sources, and achieve that in 60 days.

To explore more about other Govt Exams, check at the linked article.

The SBI PO exam consists of three phases:

· SBI PO Prelims

· SBI PO Mains

· Group Exercises & Interview

The SBI PO exam is one of the most anticipated and eligible exams conducted every year in India. Prior to this there were three stages of the examination conducted every year by SBI. Under the current revised pattern, there are two stages to crack.

SBI conducts its own exam, i.e. the recruit IBPS Probationary Officer Exam for its various branches across the country who would serve as Assistant Managers after probation of two years. With all these important tips for the SBI PO exam, this highly competitive exam can be cracked easily. Be focused and dedicated for these 2 months, and success would surely follow. For more preparation tips on various upcoming bank exams, join Unoreads Bank Exam eLearning Platform.

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indiahires · 3 years ago

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Bank Jobs India 2021 Notification

Good news for candidates who are waiting for the latest Bank Jobs India. The RBI Assistant-2021 Notification will release for 926 vacancies. Jobseekers can check RBI Assistant Vacancy Category wise. If you meet all RBI Job Eligibility Criteria then apply online for Reserve Bank of India Recruitment. The Selection for the Assistant post will be through a country-wide competitive Examination in two phases i.e. Prelims and Main.

Candidates should be Graduate in any disciplines for Bank Jobs India Eligible and capable aspirants are able to apply online for RBI Assistant Vacancies from December 2021. We advised to candidates that read full detailed notification before filling RBI online Application form.

The Reserve Bank of India invites applications from eligible candidates for 926 posts of “Assistant” – 2021 in various offices of the Bank Jobs India. Selection for the post will be through a country-wide competitive examination in two phases i.e. Preliminary and Main examination followed by a Language Proficiency Test (LPT).

How to apply private banking jobs?

www.indiahires.in listed popular private banks direct career page links in this page. Visit Private Bank career page to get current / latest job details. Read all eligibility, qualification and other details, after apply online or offline mode.

Which bank jobs India is best for job?

Private Sector Banks are under RBI rules, the Reserve Bank of India monitoring all private banks. so, all banks are good for job careers.

Here Top Private banks for Job careers:

✔️ HDFC Bank

✔️ Federal Bank

✔️ ICICI Bank

✔️ Indusind Bank

✔️ Axis Bank

How can I get a job in bank?

The Private sector banks like HDFC, ICICI, Axis, Yes Bank and Small finance private banks offers various banking jobs opportunity for both fresher and experienced graduates. The selection process will be made through Online Examination and / or Personal Interview.

Is private banking a good career?

May be. Because, the private bank employees salary was low compare to Public Sector Banks. If you have strong background in Banking services, financial services, accounts, good communication and problem solving skills, you will grow your career through Private banks. latest Bank Jobs India

Different Type of Bank Jobs: Clerical Cadre (Clerk), Office Assistant, Attendant, Junior Associates, Peon, Watchman, Various Officers (PO / SO), Consultants, Various Managers, Executives, Counsellors and other Bank related job posts.

List of Public Sector Banks List – Nationalized Banks: State Bank and its associates [State Bank of India (SB), State Bank of Bikaner and Jaipur (SBBJ), State Bank of Hyderabad (SBH), State Bank of Mysore (SBM), State Bank of Patiala (SBP), State Bank of Travancore (SBT)], Allahabad Bank, Andhra Bank, Bank of Baroda (BoB), Bank of India (BOI), Bank of Maharashtra (BOM), Canara Bank, Central Bank of India (CBI), Corporation Bank, Dena Bank, Indian Bank, Indian Overseas Bank (IOB), Oriental Bank of Commerce (OBC), Punjab & Sind Bank (PSB), Punjab National Bank (PNB), Syndicate Bank, UCO Bank, Union Bank of India (UBI), United Bank of India, Vijaya Bank, Bharatiya Mahila Bank (BMB), IDBI Bank, Post Bank of India (proposed) and Student Bank of India (proposed).

About Indian Banking Sector: The First Banking in India were Bank of Hindustan established in 1770. The Largest Bank in India is the State Bank of India (SBI) – This was one of the three banks funded by Presidencies of British India Government, the other two were the Bank of Bombay and the Bank of Madras. Currently Indian banking sector classified into Scheduled Banks (include Public Sector Banks, Regional Rural Banks (RRBs); Private Sector Banks & Foreign Banks) and Non-Scheduled banks. The Scheduled Banks regulated under the 2nd Schedule of the Reserve Bank of India (RBI) Act, 1934. The Non-Scheduled banks regulated under the Banking Regulation Act, 1949. Currently 27 Public Sector Banks available in India, Its include 19 Nationalized banks, 06 are State Bank of India (SBI) & its associate banks, 02 other public sector Banks (Bharatiya Mahila Bank & IDBI Bank) and 02 banks Newly proposed (India Post Payments Bank). More than 20 Private Sector Banks also available in India.

Why Government Bank Jobs?

Government Bank Jobs is most secured and high salary jobs in India. Once you enter to Banking career, your life settled. IndGovtJobs.in updates all Govt Bank Jobs, Regional Rural Bank Jobs and Scheduled Bank Jobs in this page. Just bookmark our ‘Bank Jobs – Indian Government Jobs’ for future purpose.

What are the bank jobs india after 12th, Degree?

After 12th Pass: Clerical Cadre posts are suitable for 10th 12th pass candidates. Such as Clerk, Assistant, Bank Assistant, Cashier, Customer Service Representative, Clerical Attendant, Security Guards etc.

After Degree Pass: Probationary Officer (PO), Management Trainees (MT), Officers, IT Officer, Finance Officer, Law Officer, Various Level of Managers, Consultants, Director etc. Bank Jobs India 2021

What jobs are there in a bank jobs india?

There are many job positions can be found in public sector banks.

✔️ Clerk / Clerical Cadre

✔️ Banking Assistant

✔️ Probationary Officer (PO)

✔️ Management Trainee (MT)

✔️ Manager level positions

✔️ Customer Service Representative

✔️ Top Level and Middle Level Management Posts – Chief Manager, Assistant General Manager, Deputy General Manager, Branch Manager, Consultants

✔️ IT Officer

✔️ Law Officer

✔️ Consultants

#Bank Jobs #Bank Jobs Recruitment #Banking Jobs Notification

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coolcorpseed · 3 years ago

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Listing the Differences between NBFC and Bank – NBFC Registration

The literature contains sufficient evidence, which highlights the instrumental role played by the financial system which helps in boosting the development of an economy. Under the financial system, the resources are channeled directly from the savers to the investors, and such a process is called as financial intermediation.

In whole, a financial system is endowed with three elements, which are as follows:

The first element, indicates to the financial intermediaries.

Second element points to the financial instruments.

Lastly, the financial markets play a crucial role.

With special focus on the financial intermediaries, their job is to facilitate the transactions between the savers and investors. The fundamental role enacted by the financial intermediaries lies in having to translate the savings into investment.

While taking into account the banks and other non-banking financial companies, it can be said that both of them are a type of a financial intermediary, and work towards extending the similar kind of financial services to the customers.

The ultimate difference between bank and NBFC is that the NBFC is an entity that cannot issue the self-drawn cheques and also the demand drafts.

Another major difference between the NBFC and the bank is that while the banks play a crucial role in the country’s payment mechanism, non-banking financial companies do not take part with respect to such transactions.

Considering the fact that finance is the most important element, required by any individual or business entity, therefore, the NBFC’s came into existence to assist the banks, so that the large sections of the society can be catered to, with respect to both the public and private sector.

Let’s try and draw the comparison between the NBFC and the Banks

The comparison can be drawn between the NBFC and the Bank, as follows:

1) The first criteria on the basis of which difference can be drawn between NBFC and the bank points to the meaning.

Firstly, an NBFC is a kind of a company, wherein the banking services are provided to the people, such that there is no need to hold the banking license.

On the other hand, a bank is a kind of a financial intermediary which is duly authorized by the bank. Its aim is to provide the banking services to facilitate the general public.

2) The second basis of the comparison is set at incorporated under. On the first hand, the NBFC is incorporated under the Companies Act, 1956, while the Bank is incorporated under the Banking Regulation Act, 1949.

3) The third basis of comparison points to the Demand Deposit. Under NBFC it stands at not accepted, while on the other hand, the demand deposit stands at accepted under the category of Bank.

4) The next basis for comparison stands at foreign investment. Under NBFC, it is allowed up to the level of 100%. While, on the other hand, the foreign investment is allowed up to the mark of 74% in case of the private sector banks.

5) Payment and settlement system is the next basis for comparison. Under the NBFC, it doesn’t form part of the system, whereas, under the bank, it is an integral component of the system.

6) The next comparison is founded on maintaining the reserve ratios. Under the NBFC, it is not required, whereas under the bank, it stands compulsory.

7) Deposit insurance facility is the next basis of comparison, wherein it shows as not available under the NBFC, while on the other hand, the status stands at available under the bank.

8) On the basis of credit creation, credit is not created under the NBFC, however, credit is created under the banks.

9) Transaction services is the next criteria, which is not provided by the NBFC, whereas in case of the banks, transaction services are well provided.

Let us understand the definition of the NBFC

NBFC simply stands to mean Non-banking financial company. This is a type of a company which gets registered under the Companies Act, 1956, and is regulated by the Reserve Bank of India, 1934. The NBFC is not typically a kind of a bank, but they are engaged in the activities that deal with lending, which shares similarity with having to provide the credit facilities, managing the portfolios of the stocks and also deal with the activities that involve the transfer of money.

An NBFC deals with the activities that pertain to housing finance, hire purchasing and the infrastructure finance. Deposits are accepted by the NBFC’s, but do not accept the term deposits and the deposits which become repayable on demand.

Certain companies came into existence during the period of mid-1980. SBI Factors, Sundaram Finance and other ICICI ventures are some of the examples that point to some of the popular NBFC’s. An NBFC can be categorized under the following three categories, which are given below:

The first category, relates to asset companies.

The next category is with respect to the companies that extend loan.

The investment companies forms part of the last category.

Let us understand the definition of the Bank

Banks are construed to be such institutions that are in the nature of extending financial services. These financial entities are duly authorized by the government, such that the banking activities can be conducted like that of having to clear the cheques, managing the withdrawal’s pay interest. Other than this, general utility services are extended to the customers.

The financial system as existing in the country is dominated by the banks, which is the apex organization. The economy functions in a smooth manner, with the help of the bank that facilitates the activities between the depositor and the borrowers.

Banks can be categorized into the categories as given below:

In the first place, the banks can be public sector banks.

Secondly, the banks can belong to the private sector.

Lastly, the foreign banks constitute another branch of the bank.

Banks are endowed with the multiple responsibilities, like having to create the credit, the deposits are mobilized and public utility services are extended.

Shareholder is the entity with whom the ownership of the commercial bank is prescribed with. The very motive behind its mode of operation is accorded to making profits.

Chalking out the major differences between the Bank and NBFC

On the grounds given below, the differences between the bank and the NBFC Registration can be jotted down below:

A bank is a kind of a financial intermediary, which is authorized by the government, such that, its aim deals in providing the bank related services to the customers, regardless the fact that whether the banking license is held or not.

NBFC is the entity, whose incorporation takes place under the Indian Companies Act, 1956. In contrast, the bank gets registered under the Banking Regulation Act, 1949.

The deposits which are repayable on demand, are not allowed by NBFC to be accepted. The scenario is much different with respect to the banks, by whom the demand deposits are accepted.

In case of NBFC, foreign investments are allowed up to the mark of 100%. On the other hand, the banks that form a part of the private sector, entail eligibility for foreign investment, wherein it would be not more than the mark touching at 74%.

With respect to the payment and settlement cycle, banks are an integral component, while on the other hand, the NBFC does nit form part of the system.

Reserve ratios must be maintained by the banks, which can either be CRR or SLR. This is in contrast to the NBFC, wherein there is no requirement of maintaining the reserve ratios, which is complete opposite to the NBFC.

With respect to the depositors of the banks, the deposit insurance facility is allowed to them, by the Deposit insurance and credit Guarantee Corporation. With respect to NBFC, such a facility stands unavailable.

Credit is created by banks, while on the other hand, there is no involvement of the NBFC pertaining to credit creation.

Customers can avail the transaction services as provided by the banks. This can include the facilities that work to provide the overdraft facility, deals with the funds transfer and issuance of the travelers’ cheque. NBFC do not extend such services as such.

Conclusion

In the nutshell it can be concluded that the NBFC’s are established with the motive, such that the credit can be extended to such sections of the society that are regarded poor. While on the other hand, the government charters the banks, such that the deposits can be received by the government and credit can be granted to the public.

In comparison to NBFC, the licensing regulations of the bank are more stringent. In addition, a business cannot be operated by the bank, other than having to do the banking business. However, a business can be operated by an NBFC.

#nbfc registration #nbfc bank #non banking financial institutions #NBFC regulations #NBFC License #nbfc registration in india

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reckonfinserv · 1 year ago

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SBI Elite Credit Card

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a2zjobinformations · 4 years ago

Link

Job Purpose:- Canara Bank gives you opportunity for joining various posts Vacancies. Interested candidates can apply for the posts before the last day. All details about this jobs are provide below. Those candidates who are interested in Canara Bank details & Completed all eligibility Criteria can read the Notification and apply Online. To get all types of free job alert, Government Job, UPSC Careers job, SBI Careers, Data Entry Jobs, Part Time Jobs, Amazon Jobs, Google Career Jobs, SSC Recruitment , Railway Recruitment & all types of job related quires please visit our channel. Also Click here for Jobs in Bhubaneswar.

✅Post Name :-

♦ Clerk

♦ Assistant Manager

♦ Senior Executive Officer

♦ Bank PO

♦ Area Manager

♦ Computer Operator

♦ Loan recovery Agent

♦ Loan Granted Officer

#canra bank jobs #bank jobs #12th pass jobs #graduation job

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ambitiousbaba · 4 years ago

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SBI Card Recruitment 2021 : 130 Post for Assistant Manager, Assistant Vice President

SBI Card Recruitment 2021 : 130 Post for Assistant Manager, Assistant Vice President SBI Cards & Payment Services Ltd has released the notification for the recruitment of for the Post of Assistant Manager, Assistant Vice President, Deputy Vice President, Associate with 16 Vacancies. Candidate can check the eligibility criteria from the official notification and apply Online Before 30 June 2021.…

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#Recruitment #trending

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freejobalertguru · 5 years ago

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RBI Recruitment 2020 | Data Analyst Vacancies | Free Job Alert

RBI Recruitment 2020 | भारतीय रिजर्व बैंक मे 'कंसल्टेंट्स / विशेषज्ञ / विश्लेषक' के पदों पर भर्ती at Free Job Alert 2021 Read the Notification Before Apply Online Jobs Form at freejobalert Those Candidate Are Interested to Following RBI Vacancy Sarkari Naukri and Completed the All Eligibility Criteria Can Read the Notification Before Apply Online.

RBI Recruitment 2020 | Data Analyst Vacancies | Free Job Alert

भारतीय रिजर्व बैंक पद का नाम: कंसल्टेंट्स / विशेषज्ञ / विश्लेषक Advertisement No.: Reserve Bank of India (RBI)

RBI Recruitment 2020 Online Form Sarkari Naukri

Name Of Post: Consultants/ Specialists/ Analyst

No. of Vacancies: 39

General : -- | OBC : -- | SC : -- | ST : -- | Total : 39 Post

Important Dates:

Application Begin : 09/04/2020

Last Date for Apply Online : 29/04/2020

Last Date Pay Exam Fee : 29/04/2020

Pre Exam Held on : June 2020

Admit Card Available : May 2020

Mains Exam Held on : Notified Soon

RBI Jobs 2020, Latest Notifications, Online Application Form Details at Sarkari Naukri

Qualification: Possess BE / B Tech / M Tech or MCA in concerned discipline. Age Limit as on 01/03/2020:

Minimum : 25 Years

Maximum : 35 Years

Age Relaxation Extra as per Rules

Application Fee:

General /OBC/PwBD-Gen/OBC : 600/-

SC /ST / PwBD-SC / PwBD-ST : 100/-

Staff : Nil

Pay the Examination Fee Through Debit Card / Credit Card / Net Banking or Pay the Exam Fee Through E Challan Fee Mode.

Download RBI jobs Notification PDF, Apply Online Application Form

Download Notification: Click here

Apply Online Now: Click here

Official Website: Click here

How to Fill Form : Free Job Alert 2021

RBI Are Released Latest Free Job Alert 2021 for Consultants/ Specialists/ Analyst Post Candidate Can Apply Between 09/04/2020 to 29/04/2020.

Candidate Read the Notification Before Apply the Recruitment Application Form in RBI Recruitment 2020

Kindly Check All Document - ID Proof, Address Details, Basic Details.

Kindly Ready Scan Document Related to Sarkari Naukri Form - Photo, Sign, ID Proof, Etc.

Before Submit the Application Form Must Check the Preview and All Column Carefully.

If Candidate Required to Pay the Application Fee Must Submit. If You have Not the Required Application Fees Your Form is Not Completed.

Take A Print Out of Final Submitted Form.

Important Link for RBI Exams: Sarkari Naukri

Download Notification File PDF

Online Form Application

Admit Card Download

Answer Key Download

Result

Top 10 Government Jobs India 2020

दक्षिण पूर्व रेलवे मे 617 पदों पर 'लोको पायलट, टिकट क्लर्क' की भर्ती SSC मे 1355 पदों पर 'विभिन्न पदों' की भर्ती MSSC मे 7000 पदों पर 'सिक्युर्टी गार्ड' की भर्ती लोक सेवा आयोग में 1568 पदों पर 'सहायक' की भर्ती NRRMS मे 1512 पदों पर 'सहायक, MTS, कंप्यूटर ऑपरेटर' की भर्ती Tags: rbi recruitment 2020, rbi assistant recruitment 2020, rbi recruitment, rbi assistant, rbi, rbi assistant recruitment 2020, rbi assistant 2020, rbi assistant 2020, rbi grade b, rbi assistant 2020 recruitment, rbi recruitment 2020 apply online, rbi assistant 2020 notification, rbi assistant salary, bank recruitment, rbi po recruitment, rbi new recruitment, rbi jobs, rbi recuitment, rbi grade b salary { "@context": "https://schema.org/", "@type": "JobPosting", "title": "RBI Recruitment 2020 | Latest Free Job Alert, Sarkari Naukri, Rojgar Samachar, Employment News, Govt Jobs Vacancy, freejobalert.com", "description": "RBI Recruitment 2020 | भारतीय रिजर्व बैंक मे 'कंसल्टेंट्स / विशेषज्ञ / विश्लेषक' के पदों पर भर्ती at Free Job Alert 2021 Read the Notification Before Apply Online Jobs Form at freejobalert Those Candidate Are Interested to Following RBI Vacancy Sarkari Naukri and Completed the All Eligibility Criteria Can Read the Notification Before Apply Online, Recently Recruitment Notification released and invites Jobs application. Check Qualification & eligibility conditions, how to apply & other rules are given below Download Notification, Exam Dates Check All Details carefully on official Website. अपनी योग्यता के अनुसार नवीनतम और आगामी सरकारी नौकरी 2020, रोजगार समाचार, वर्तमान रिक्ति विवरण, वेतन, नौकरी की जानकारी प्राप्त करें। प्रिय नौकरी तलाशने वाले, जो सरकारी क्षेत्र में नौकरी करना चाहते हैं और सरकारी नौकरियों के लिए उपयुक्त होने की योजना बना रहे हैं, वे इस ब्लॉग पेज पर पूरी नवीनतम सरकारी नौकरी अधिसूचनाएं प्राप्त कर सकते हैं। विभिन्न सरकारी संगठन नौकरी पद की आवश्यकता के अनुसार डिप्लोमा, 10 वीं, 12 वीं, स्नातक, स्नातकोत्तर जैसे शैक्षिक योग्यता के अनुसार फ्रेशर के साथ ही अनुभवी आवेदकों को लेते हैं। 10th pass RBI jobs 2020, 12th pass RBI jobs 2020, graduate pass pass RBI jobs 2020, iti pass RBI jobs 2020, btech pass RBI jobs 2020, 10th pass RBI Recruitment 2020, 12th pass RBI Recruitment 2020, graduate pass pass RBI Recruitment 2020, iti pass RBI Recruitment 2020, btech pass RBI Recruitment 2020, 10th pass RBI 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employment news 2020, btech pass RBI employment news 2020, 10th pass RBI sarkari naukri 2020, 12th pass RBI sarkari naukri 2020, graduate pass pass RBI sarkari naukri 2020, iti pass RBI sarkari naukri 2020, btech pass RBI sarkari naukri 2020, 10th pass RBI sarkari result 2020, 12th pass RBI sarkari result 2020, graduate pass pass RBI sarkari result 2020, iti pass RBI sarkari result 2020, btech pass RBI sarkari result 2020, free job alert, free job alert 2020, Govt Jobs Vacancy, freejobalert 2020, sarkari job alert, free job alert ssc, free govt job alert, www free job alert, free job alert cg, free alert job 2020, freejobalert 2020 latest notification, freejobalert latest notifications, fresh job alert, rrb free job alert, drdo free job alert, latest free job alert, free job alert 2020 12th pass, free job alert railway, sarkari naukri, sarkari job, sarkari naukri result, sarkari naukri 2020, sarkari job for 12th pass, sarkari vacancy, sarkari naukri daily, sarkari naukri railway, sarkari bharti, ek parivar ek naukri, sarkari naukri result 2020, sarkari naukri railway 12th pass, sarkari naukri ssc, my sarkari naukri, the sarkari naukri, aaj ki naukari, sarkari naukri search, sarkari naukri online, latest sarkari naukri, rojgar samachar, rojgar samachar 2020, rojgarlive, rojgar news, rojgar patrika, rojgar samachar pdf, rojgar express, rojgar samachar in hindi, rojgar samachar hindi news paper, rojgar samachar gujarati, rojgar samachar hindi, rojgar paper, rojgar samachar patra, cg rojgar samachar 2020, latest rojgar samachar, e rojgar samachar, rojgar samachar today, rojgar samachar app, rojgar samachar epaper, rojgar samachar march 2020, employment news, new job alert, employment news today, sarkari job news, employment news paper, employment news this week, employment news in tamil, employment news 2020, gulf job paper, latest employment news, newspaper jobs, eenadu pratibha jobs, gulf news jobs, e employment news, government employment news, employment news in hindi, employment news epaper, rojgar job, job news kannada, employment news in tamil 2020, government jobs, latest govt jobs, govt jobs 2020, railway jobs, govt job alert, sarkari job 2020, 10th pass govt job, central government jobs, government job vacancies, latest govt jobs 2020, indgovtjobs, tamilan jobs, govt jobs today, railway jobs 2020, latest govt jobs notifications, latest job notification, new govt jobs, upcoming govt jobs, all govt jobs, 12th pass govt job, latest govt jobs in railway, 10th pass govt job 2020, central government jobs 2020, jobs, majhi naukri, job alert, job hunting, jobs near me, work from home jobs, fast job, part time jobs near me, online jobs, part time jobs, sbi careers, free job, job vacancy, railway recruitment 2020", "hiringOrganization" : { "@type": "Organization", "name": "Reserve Bank of India", "sameAs": "https://www.freejobalert-sarkariresult.com" }, "industry": "free job alert", "employmentType": ["FULL_TIME","PART_TIME","CONTRACTOR","TEMPORARY","INTERN","VOLUNTEER","PER_DIEM","OTHER"], "workHours": "8am-5pm", "datePosted": "2020-03-29T16:04:30", "validThrough": "2021-04-29T23:59:59", "jobLocation": { "@type": "Place", "address": { "@type": "PostalAddress", "streetAddress": "Sansad Marg Area", "addressLocality": "New Delhi", "addressRegion":"Delhi", "postalCode": "110001", "addressCountry": "IN" } }, "baseSalary": { "@type": "MonetaryAmount", "currency": "INR", "value": { "@type": "QuantitativeValue", "minValue": 50000, "maxValue": 100000, "unitText": "MONTH" } }, "responsibilities": "Recruitment, Junior engineer, Apprentice, Apprentices, Assistant, Specialist, Typist, Board, Clerk, Engineer, Engineer electrical, Executive director, General manager, Managing director, Master, Officer, Accountant, Accounts assistant, Assistant manager, Consultant, Director, Doctor, Exam, Facilitator, Hospitality, Manager, Medical officer, Office, Office assistant, Safety officer, Salesman, Senior, Senior resident, Services, Specialists, Staff nurse, Station, Supervisor, Teacher, Telemarketing executive, Tutors, Works, Logistics, Utilities, Education, Finance, Construction, Computer Services, Manufacturing, Mining, Engineering Services, Professional, Scientific and Technical Services, Consulting, Health Care, Utilities, Education, Recruitment, Director, General manager, Editor, Manager, Attendant, Consultant, Entry operate or Executive, Surgeon, Technical assistant, Accountant, Apprentice, Assistant professor, Associate, Driver, Engineer, Housekeeping supervisor, Project assistant, Scientist, Software engineer, Supervisor, Assistant, Assistant director, Assistant manager, Catering, Clerk, Coordinator, Corporation, Data manager, Employees Engineer electrical, Engineers, Faculty, Guide, Hire, Instructor, Interpreters, Junior engineer, Master, Medical, Medical officer, Member, Obstetrics, Officer, Operator, Orthopaedic surgeon, Pilot, Postdoctoral, Project associate", "skills": "Free Job Alert", "qualifications": "10th, 12th, Any Graduate, B Tech (Civil), B. Tech (IT), B.Sc, B.Tech (CSE), B.tech (Electrical), B.Tech (Mech), BCA, BE\/ B. Tech, Diploma, PGDCA Recruitment, Junior engineer, Apprentice, Apprentices, Assistant, Specialist, Typist, Board, Clerk, Engineer, Engineer electrical, Executive director, General manager, Managing director, Master, Officer", "educationRequirements": "Any Graduate, B Tech (Civil), B. Tech (IT), B.Sc, B.Tech (CSE), B.tech (Electrical), B.Tech (Mech), BCA, BE\/ B. Tech, Diploma, PGDCA Recruitment, Junior engineer, Apprentice, Apprentices, Assistant, Specialist, Typist, Board, Clerk, Engineer, Engineer electrical, Executive director, General manager, Managing director,Master, Officer", "experienceRequirements": ["Fresher","Experience"] }

source https://www.freejobalert-sarkariresult.com/2020/03/rbi-recruitment-sarkari-naukri-online-form.html

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