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Loans & Advances

What is Perpetual Bonds ?

These are securities without any maturity.

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What is Coupon Rate ?

A long-term debt instrument on which the issuer pays interest periodically

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Who are Blue Chip Companies ?

A share of a company that is financially very sound, with an impressive track record of earnings and DIVIDENDS, and which is highly regarded for its competent management, quality products and/or services.

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Loans & Advances

What is Loan Amortization ?

This is generally the term used in paying Loan installments.The reduction of an amount at regular intervals over a certain time period.

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Loans & Advances

What is Quasi Equity ?

Certain items though not contributed by owners can be considered under NW or capital to improve DE Ratio, such as, subsidy, seed capital assistance, unused loans backed by, pegging letter, amount of debentures which is compulsorily convertible to shares within a period of 18 months from their date of issue.

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Loans & Advances

What is Trust Receipt (TR) ?

Goods pledged as security or covered under a bill purchased, can be given to the borrower against a TR for enabling him to sell & deposit sale proceed to the Bank & return unsold goods to Bank. This TR finance is a clean advance.

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Mutual Fund

What is a Mutual Fund?

Mutual fund is process of pooling the resources by issuing units to the investors and investing funds in different securities in accordance with objectives as per the disclosed offer document.Under Mutual Fund the investments in securities are spread across a wide cross-section of industries and sectors and thus the risk is reduced. Diversification reduces the risk because all stocks may not move in the same direction in the same proportion at the same time. Mutual fund issues units to the...

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