Tag - nachiket

Airtel Money prepaid payment instrument

[Banking] Nachiket Committee: Payment Banks- Rationale, Features, Advantages, Limitations, Pre Paid Instrument Providers (PPI), USSD Banking

Pre-Paid Instrument Providers (PPI) Why Nachiket hates PPI model? Why Payment Bank? What is payment bank? M-Pesa: Why India should get Payment banks? Payment Banks: Anti-Arguments USSD and Conflict of Interest USSD connectivity for Banking Mock Questions Pre-Paid Instrument Providers (PPI) Airtel money is an [...]

Nachiket Committee recommendations

[Banking] Nachiket Committee: Remove SLR, Reduce CRR, Raise PSL to 50%, Increase Loan Access: Issues, implications explained

Prologue Accepting Deposits: Why Remove SLR? Why Priority sector lending? What if PSL target not met? Additional safeguards under PSL PSL target raised to 50% Base Rate Agri. interest subvention scheme Debt relief= bad habits PSL: Misc. Issues/recommendations Mock Questions Prologue So far, we’ve seen [...]

securitization in home loans

[Banking] Shadow Banks, Wholesale Banks, Securitization: Functions & Features Nachiket Committee’s recommendations

Prologue Securitization What happened in Sub-prime crisis? Shadow Banking Shadow Banks: Why bad? Shadow Banking in India? Should India be worried? Gold Loan Companies as Shadow Banks? RBI’s safeguards on Gold loan NBFC Wholesale Bank? Wholesale Investment Bank vs Wholesale Consumer Bank? Benefits [...]

Bancassurance model differences

[Banking] Bancassurance: Compulsory Broker Model, IRDA vs Banks, issue, benefits, challanges, insurance penetration, Financial inclusion & Nachiket Committee

Prologue Bancassurance #1: Referral Model #2: Corporate Agent model #3: Broker Model Benefits of Broker model? Anti-Arguments: Broker Model Nachiket on Insurance Cross KYC Reforms in NBFC bancassurance models Allow NBFCs to take deposits NBFCs as mutual funds agents Banks as Mutual fund [...]