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Description
Retail lending forms an important component in the asset portfolios of banks. As commercial banks shifted their focus from traditional need-based lending to a broad-based portfolio, retail lending became a mainstream business. There has been a rapid growth in consumer loans, housing loans, credit cards and personal loans Most banks engage debt recovery agents for collection of their dues to avoid rising NPAs. Taking into account the job profile of Debt Collection/Recovery Agents, this courseware has been developed. This book covers basic of banking, an outline of various products, role of DRAs, guideline applicable to DRAs etc. The book is useful to students and bankers alike.
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Contents
Module A : Basics Of Banking
Chapter 1 General Banking
Chapter 2 Banker-Customer Relationships
Chapter 3 Various Deposit Schemes And Other Services
Chapter 4 Account Opening And Operations In Accounts
Chapter 5 Provisions Of N.I Act For Payment And Collection Of Cheques
Chapter 6 Credit Cards And Debit Cards
Chapter 7 Various Types Of Loans and Advances
Chapter 8 Securities And Modes Of Charging Them
Chapter 9 Loan Documentation
Chapter 10 Asset Classification
Chapter 11 Legal Aspects Of Loan Recovery
Module B : Role Of DRAs
Chapter 12 Debt Recovery Agent - Meaning And Legal/ Regulatory Framework
Chapter 13 Functions Of DEBT Recovery Agents
Chapter 14 Policy, Processes And Procedure Of DEBT Recovery
Chapter 15 Soft Skill And Strategies For DEBT Recovery
Chapter 16 Rights And Duties Of Recovery Agents
Chapter 17 International Best Practices On DEBT Recovery
Chapter 18 Fair Practices Code For DEBT Collection
APPENDIX 1 Gist of Reserve bank of India's Guidelines Recovery Agents
Appendix 2 IBA - Model Policy on Collection of Dues and Repossession of Security
Appendix 3 Case Laws on Payment of Cheques and Liability of paying Banker
Appendix 4 Case Laws on Repossession and Enforcement of Securities
Appendix 5 Glossary of banking Terms
Appendix 6 Some of the Important Cases Dealt By the Banking Ombudsman Offices
Appendix 7 RBI Guidelines on Managing Risk and code of Conduct in Outsourcing
of Financial Services By Banks
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