SANJAY AGARWAL COSTING BOOK

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Sanjay Agarwal Costing Book

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NPA has historically been in the range of around 2 per cent which is great as per industry standards.

What have you done exceptionally well that your NPAs are so low? We have around 99 per cent of our lending book as secured and have lent for mostly productive assets.

Our understanding is that customers will use our loan money to earn something from that, we mostly do not do consumption loans. We are going after the selfemployed and we believe that they will make some money from their enterprises and eventually repay. So can we say that you understand the Rs business' well?

Our strong points lie in our good understanding of others' business, on why the customer needs money and how he will repay. Evaluation is very difficult because data is not available in India. In such cases you need your own experience, own data points from previous customers.

What is your geographical presence in the country? We are present in locations across 10 states mainly in the north, central and the west, including Rajasthan , Gujarat, National Capital Region, Chhattisgarh among others.

A lot of banks are eyeing the opportunities in the rural lending business. How big a threat do you consider them to you?

It is not only about the opportunity, it is about execution. I don't think it is so easy to come into these markets especially for full service commercial banks.

There are challenges in terms of profile of customers, data, geographical limitations. We cannot say that a model that works in Mumbai will work kms away from the city as well.

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Sort By: Add to Cart. Wolters Kluwer Simplified Appr Advanced Management Accounting Wolter Kluwer Padhuka's A ReadCIT A while reproducing the submission of the assessee before him in para no. Necessary short term capital gain of Rs.

We are going after the selfemployed and we believe that they will make some money from their enterprises and eventually repay.

I believe that people in this country need credit, to make credit accessible to them should be the first priority and then we should think of cheaper credit. Link has Php free projects source code free, free trainer for stronghold, the game mafia 2, civilization 5 free content, bus cable car simulator crack, free virtual certexam Jul 11, Dr.