Soft Corner of Tejas Lakhani

કહેવાય છે કે માતાનું નિર્મળ વહાલ અને પિતાનો અઢળક પ્રેમ એ બેય ભેગા થઈ આકાશમાં ચડે અને તેની વાદળી બંધાય, અને તે પછી જે લાગણીનો વરસાદ થાય -
તેનું નામ
- ‘દીકરી’

The Poverty Reduction and Growth Facility (PRGF)
Industrial. Reconstruction Bank of India (IRBI)
Industrial Investment Bank of India (IIBI)
Development Financial Institutions (DFI).

Finance Corporation of India (IFCI), Industrial Investment Bank of India (IIBI),
Industrial Credit and Investment Corporation of India (ICICI), Industrial Development Bank of India (IDBI),
Infrastructure Development Finance Company Ltd. (IDFC),Small Industries Development Bank of India (SIDBI),
State Industrial Development Corporations (SIDCs), and State Financial Corporations (SFCs), etc. Since these
institutions provide developmental finance, they are also known as Development Banks or Development Financial Institutions (DFI).

Industrial Finance Corporation of India (IFCI): It is the oldest SFI set up in 1948 with the primary objective of providing long-term and medium-term finance to large industrial enterprises
ICICI – setup in 1955
IDBI – setup in 1964
IIBI – 1997
SIDBI – 1990
LIC – 1956
EXIM bank – 1982
UTI – 1964

Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (CRAFICARD) set up by the RBI under the Chairmanship of
Shri B Sivaraman in its report submitted to Governor, Reserve Bank of India on November 28, 1979 recommended the establishment of NABARD. The Parliament through the Act 61 of 81, approved its setting up.

Special Drawing Rights (SDRs) are supplementary foreign exchange reserve assets defined and maintained by the International Monetary Fund (IMF)

The term ________ refers to the act of a bank extending finance to the seller against a letter of credit.
Negotiation

Soft Loan Scheme for modernisation is provided by :- IFCI , ICICI , SIDBI

Charitable Trusts – Rajiv Gandhi Foundation

PSU – MTNL ,SAIL, KRC

Mutual Funds – UTI ,ICICI Prudential

Statutory Trusts – Port Trust

Under MIGA(Multilateral Investment Guarantee Agency) the World bank offers various forms of Political Insurance. – True

Commercial Papers are issued by :-Corporates

Investment on a monthly basis and repayment on due date is made in :-Recurring deposit

Issuance of CD attracts reserve requirements.False

State loans are much less liquid than GOI Securities.–True

IDBI was delinked from RBI and it became autonomous in the year :-
1976

One of the leading All India FI is :-SIDBI

The largest member of the IMF is the :-U.S.A.

The foreign currency account maintained by an authorised dealer with its correspondent abroad is :-
Nostro Account

As a banker to the Government, RBI accepts Government deposits at ________% interest.
0
The word ‘ Tranche ‘ is a French word which means :-
A Slice

Size of the Quota depended upon :-GNP

Small Savings – Chit Funds

Gen.Insurance – NICo of India Ltd.

Life Insurance – LIC of India Ltd

Mutual fund -UTI

CPs have to be compulsorily rated. – True

If the Bank allows a finance of Rs 95 against a Bill of Rs 100 the difference of Rs. 5 is known as the iscount

IIBI (formerly known as IRBI )undertakes :-
Merchant Banking activities , Lease or hire purchase finance , Consultancy & managerial services

The loans under________ are based on Poverty Reduction Strategy Paper.
PRGF

Functions of a Bank’s H.O. include:-
Liaison with RBI , Evolve Policies , Vigilance & Control

DICGC also provides :-
Security to deposits

Insurance of all employees of a Firm – Group Insurance

Premium Throughout Life – Whole Life

Fixed Period Insurance – Endowment

Insurance of ocean Cargo – Marine Insurance

A Cheque is a Negotiable Instrument.-True

Which one of the following is not a deposit account? – Cash Credit account

The ________ does not collect Savings from the Public. – NIICO Ltd.

IMF articles were amended in 1978 to legalise the :- Floating exchange rates

__SDR______ is merely an asset created out of book entries.

Regional Rural Bank – Thane Gramin Bank

Public Sector Bank – Indian Bank

Private Sector Bank – Bank of Rajasthan Ltd

Foreign Bank – CITI BANK

Syndication of Loans Globally does not involve any funds as it is ________ activity.
Non-fund based

Issuance of CD attracts reserve requirements.-False

The repayment holiday period is also known as ________ period.
Moratorium

Zero Coupon Bonds are issued at a iscount to face value

DICGC does not insure the deposits :-
Of foreign Governments , Of State Cooperative Banks , Of the Central Government

Which one of the following is a Cooperative Bank?
COSMOS BANK

Liabilities of Insurance Cos are mostly :-
Long term

GIC raises funds to meet claims from ________.Premium collected

Issuance of CD attracts reserve requirements.
False

Investment on a monthly basis and repayment on due date
is made in :-Recurring deposit

A current account where the customer can withdraw more
than the balance is :- Overdraft

SIDBI commenced its operations from :-April 2,1990

NABARD – Rural Development

AFC Ltd – Consultancy
HUDCO – Housing
NCDC – Development of Cooperatives

The first long term industrial financing corporation set up in the country was :- -IFCI

The Capital of NABARD is subscribed by World Bank. – False

Financial institutions deal in :-Financial assets

In addition to sugar Industry IFCI has predominantly lent to :-
Textile sector

Other than Tourism, International funds remittances comprise of :-
Donations/Charity , Payments of Salaries , Payments of Royalty

NABARD provides Refinance for Marketing of Crops.-True

R B I conducts monetary control by way of O M O in :-
Treasury bills , State /central Government Securities

Development Financial institutions include :-
State financial institutions

NABARDs Criteria for Refinance covers Technical ________ of the project.
Feasibility

Banks do not invest in the GOI securities .
False

The unorganised financial system comprises of :-
Money lenders , Indigenous bankers , Lending pawn brokers

NHB at present has a ________ Capital of Rs. 350 crores.
Paid-up

One of the objectives of NHB is to augment the ________ resources for the housing sector.
Financial

CRR – Primary reserve requirement
Bankers Bank – Controlling the reserves of commercial banks
Exchange control – FEMA
OMO – Government securities

NABARD was established on the recommendations of :-
CRAFICARD

A member’s IMF Quota determines its :-
Financial commitment , Voting power , Drawing power

Credit Information report is also known as :-
Credit report , Banker’s report , Confidential report

Development financial institutions have been established to cater to ________ of the industrial sector. – Long term financial needs

Tourism promotes :-
Credit Card Business , International remittances , Travellers’ Cheques

Development financial institutions primarily lend to Agriculture sector.
False

The ________ is the apex institution in the field of foreign trade in India.
EXIM bank

Financial markets are the centres that provide facilities for buying and selling of ________.
Financial claims and services

Non bank financial institutions undertake fund and non fund based activities.
True

The CRAFICARD recommended the establishment of ________.NABARD

The price in financial markets is known as ________.
Rate of interest

Gramin banks are State Owned Banks. – True

A credit facility under which a borrower can withdraw up a certain limit subject to availability of adequate security is :-
Cash Credit account

Syndication involves ________ sanction.
In principle

Treasuries could be either those of the :-
Private Sector Cos. , Govt.bodies , PSUs
Treasury Bills are actually a class of :-
Govt.Securities

The ________ regulation makes the banks the largest investor in the GOI securities.
SLR

HDFC was set up by NHB. (by ICICI)
False

Initial Quantum of resources of IMF were contributed by members according to :-
Quotas fixed for members

Most of the Indian PS Banks practice retail banking.
True

The overdraft facility is also known as Cash credit facility.
True

CPs are issued by corporate entities.
True

PFC has been persuading State Governments restructuring of their power sector to make them viable.
True

The organised financial system includes :-
Commercial banks

EXIM Bank provides financial assistance to:-
Indian Companies , Commercial Banks , Foreign Governments

55% of HUDCO loans are earmarked for________& low income groups.
Weaker sections

Financial Services offered by PFC include :-
Term loans , lease finance , Loan Syndication

The currency notes issued by RBI are legal tender everywhere in India without any limit.
True

The unorganised financial system includes :-
Indigenous bankers

Money Markets Satisfy the needs of :-
Short term nature

The financial Assistance provided by the IMF enables member countries to :-
Rebuild resources , Stabilise currencies , Pay for imports

NGOs
CASP, CRY, PLAN
DFI
IDBI, IFCI, ICICI
PSUs
NTPC, NHPC, Coal India
Corporates
RIL, HPCL

CRR and SLR are ________ reserves. – Statutory

SIDBI provides :-
Refinance , Rediscounting of Bills , Financial support to SSIDC

Mutual Funds provide the benefits of ________.
Portfolio management

Syndication involves ________ sanction. — In principle

In addition to IFCI and ________ the Soft Loan Scheme for modernisation is also undertaken by IDBI.
ICICI

NABARD has taken over the entire functions of :-
ARDC , ACD of RBI , RPCD of RBI

Instruments issued by DFIs and Banks carry :-
Highest credit ratings

Other than Tourism, International funds remittances comprise of :-
Donations/Charity , Payments of Salaries , Payments of Royalty

Money Markets Satisfy the needs of :-
Short term nature

Development Financial Institutions provide finance to the needy
Corporates & govt. institutions

NABARD does not provide Refinance for stocking & distribution of Chemical Fertilisers.
False

The SFCs also borrow from SIDBI & IDBI. – True

A major part of the credit of SFCs went to :- SSI units

Mortgage Loans are loans against property. – True

The unorganised financial system includes :-
Indigenous bankers

HDFCs loans were linked up with________.
Planned Savings

Initial Quantum of resources of IMF were contributed by members according to :-
Quotas fixed for members

CPs are issued by corporate entities. – True

EXIM Bank provides financial assistance to:-
Indian Companies , Commercial Banks , Foreign Governments

Functions of R.O. do not cover :-
SLR/CRR maintenance , Liaison with RBI/IBA , Issuing Lending Policy

Inter Bank Call Money Markets – BRs, Call Money Receipts

Money Market Instuments – CP, CD ,T- Bills

Capital Market Instruments – Shares

Debt Market Instruments – GOI Securities ,Bonds

Which of the following statements are not prepared on a daily basis in branch?
Cash Book , Trial Balance , P/L statement

Interest on advances is generally calculated on ________ products.
Daily

IDBI has helped in the establishment of :-
EXIM Bank

Under Project Finance Scheme IDBI provides assistance for :-
New Projects , Renovation , Modernisation

Deposits per depositor per bank are secured by DICGC up to a sum of :-Rs. one lac.

SCICI provides domestic & foreign loans for capital equipment and________ services.
Technical

The main objective of ICICI was :-
To augment export finance in India , To channelise World Bank’s funds to industries in India , To help in building up a Capital Market in India

Functions of NIDHIs include :-
Accepting Deposits , Granting loans , Encourage thrift

IDBI was initially set up as :-
Subsidy of RBI

For its long term operations NABARD raises funds by :-
Floating Bonds in open market , Drawing from the Central Govt. , Drawing from National Rural credit Funds

Financial markets are the centres that provide facilities for buying and selling of ________.
Financial claims and services

IDA does not lend to countries that are not in a position to borrow from IBRD. – False

General insurance policies are generally issued for ________ year.
One

SCICI is a member of the OTCEI. – True

The deposit account offering cheque withdrawal facility is known as :-
Current account

CRR – Primary reserve requirement

Bankers Bank – Controlling the reserves of commercial banks
FEMA – Exchange control
FEMA – Controlling the reserves of commercial banks

The loans of finance companies are generally :-
At high interest , Unsecured , Based on borrowers worth

The apex institution in the field of Industrial Development is :- – IDBI

A member’s IMF Quota determines its :-
Financial commitment , Voting power , Drawing power

CP is a usance promissory note hence it can be negotiated by endorsement & delivery. – True

The objective of ICICI was to assist the rivate sector

NABARD provides short term refinance for procurement activities also.- True

Period of Holiday Insurance is _Six months or less_.

1) The term __Negotiation___ refers to the act of a bank extending finance to the seller against a letter of credit.

2) Soft Loan Scheme for modernisation is provided by :- IFCI , ICICI , SIDBI

3) Charitable Trusts – Rajiv Gandhi Foundation

4) PSU – MTNL ,SAIL, KRC

5) Mutual Funds – UTI ,ICICI Prudential

6) Statutory Trusts – Port Trust

Tools ‹ Soft Corner of Tejas Lakhani — WordPress.

A naked drunken woman boards a cab in New York one night. The driver of the cab, a typical Indian, keeps staring at her, and doesn’t start the cab.

Woman: Haven’t you ever seen a naked woman before ???

Indian driver: cool down lady, I’m not staring at you..I am just wondering where have you kept the money to pay me??

Moral: This is what most American and European banks failed to do: Assessing repayment capacity before enjoying the exposure !!!

जय हनुमान ज्ञान गुन सागर ।
जय कपीस तिहुँ लोक उजागर ॥१॥

राम दूत अतुलित बल धामा ।
अञ्जनि-पुत्र पवनसुत नामा ॥२॥

महाबीर बिक्रम बजरङ्गी ।
कुमति निवार सुमति के सङ्गी ॥३॥

कञ्चन बरन बिराज सुबेसा ।
कानन कुण्डल कुञ्चित केसा ॥४॥

हाथ बज्र औ ध्वजा बिराजै ।
काँधे मूँज जनेउ साजै ॥५॥

सङ्कर सुवन केसरीनन्दन ।
तेज प्रताप महा जग बन्दन ॥६॥

बिद्यावान गुनी अति चातुर ।
राम काज करिबे को आतुर ॥७॥

प्रभु चरित्र सुनिबे को रसिया ।
राम लखन सीता मन बसिया ॥८॥

सूक्ष्म रूप धरि सियहिं दिखावा ।
बिकट रूप धरि लङ्क जरावा ॥९॥

भीम रूप धरि असुर सँहारे ।
रामचन्द्र के काज सँवारे ॥१०॥

लाय सञ्जीवन लखन जियाये ।
श्रीरघुबीर हरषि उर लाये ॥११॥

रघुपति कीह्नी बहुत बड़ाई ।
तुम मम प्रिय भरतहि सम भाई ॥१२॥

सहस बदन तुह्मारो जस गावैं ।
अस कहि श्रीपति कण्ठ लगावैं ॥१३॥

सनकादिक ब्रह्मादि मुनीसा ।
नारद सारद सहित अहीसा ॥१४॥

जम कुबेर दिगपाल जहाँ ते ।
कबि कोबिद कहि सके कहाँ ते ॥१५॥

तुम उपकार सुग्रीवहिं कीह्ना ।
राम मिलाय राज पद दीह्ना ॥१६॥

तुह्मरो मन्त्र बिभीषन माना ।
लङ्केस्वर भए सब जग जाना ॥१७॥

जुग सहस्र जोजन पर भानु ।
लील्यो ताहि मधुर फल जानू ॥१८॥

प्रभु मुद्रिका मेलि मुख माहीं ।
जलधि लाँघि गये अचरज नाहीं ॥१९॥

दुर्गम काज जगत के जेते ।
सुगम अनुग्रह तुह्मरे तेते ॥२०॥

राम दुआरे तुम रखवारे ।
होत न आज्ञा बिनु पैसारे ॥२१॥

सब सुख लहै तुह्मारी सरना ।
तुम रच्छक काहू को डर ना ॥२२॥

आपन तेज सह्मारो आपै ।
तीनों लोक हाँक तें काँपै ॥२३॥

भूत पिसाच निकट नहिं आवै ।
महाबीर जब नाम सुनावै ॥२४॥

नासै रोग हरै सब पीरा ।
जपत निरन्तर हनुमत बीरा ॥२५॥

सङ्कट तें हनुमान छुड़ावै ।
मन क्रम बचन ध्यान जो लावै ॥२६॥

सब पर राम तपस्वी राजा ।
तिन के काज सकल तुम साजा ॥२७॥

और मनोरथ जो कोई लावै ।
सोई अमित जीवन फल पावै ॥२८॥

चारों जुग परताप तुह्मारा ।
है परसिद्ध जगत उजियारा ॥२९॥

साधु सन्त के तुम रखवारे ।
असुर निकन्दन राम दुलारे ॥३०॥

अष्टसिद्धि नौ निधि के दाता ।
अस बर दीन जानकी माता ॥३१॥

राम रसायन तुह्मरे पासा ।
सदा रहो रघुपति के दासा ॥३२॥

तुह्मरे भजन राम को पावै ।
जनम जनम के दुख बिसरावै ॥३३॥

अन्त काल रघुबर पुर जाई ।
जहाँ जन्म हरिभक्त कहाई ॥३४॥

और देवता चित्त न धरई ।
हनुमत सेइ सर्ब सुख करई ॥३५॥

सङ्कट कटै मिटै सब पीरा ।
जो सुमिरै हनुमत बलबीरा ॥३६॥

जय जय जय हनुमान गोसाईं ।
कृपा करहु गुरुदेव की नाईं ॥३७॥

जो सत बार पाठ कर कोई ।
छूटहि बन्दि महा सुख होई ॥३८॥

जो यह पढ़ै हनुमान चालीसा ।
होय सिद्धि साखी गौरीसा ॥३९॥

तुलसीदास सदा हरि चेरा ।
कीजै नाथ हृदय महँ डेरा ॥४०॥

પડ્યું પાનું નિભાવી લેવું એ ભારતીય સંસ્કૃતિ છે, અને પુરુષે આ પોતાની પત્નીને ખુશ રાખવા વિષયે યથાશક્તિ પ્રયત્ન કરવો જોઈએ. તો અહી પત્નીને ખુશ રાખવાના થોડાક ઉપાય બતાવ્યા છે.

1. તમે તમારી પત્ની સાથે વાતચીત કરતા હોવ ત્યારે વચ્ચે ના બોલો.

2. સવારે ઓફિસ જતા પહેલા ચા જાતે કરી નાસ્તો જાતે શોધી લો.

પત્ની ને આરામથી સુવા દ્યો

3. ઓફિસથી ઘેર આવીને હાય હની હાવ આર યુ નો ટહુકો કરો.

4. સાસુ સસરા કે કોઇ પણ પિયરીઆ ઘેર આવે તો બાઘા મંડળ ની જેમ હસતા રહેવુ

5. પત્ની ના શહેરની કોઇ પણ ખુબી શોધી એના વખાણ કરો (અરે, તારા ભાવનગરના ગાંઠીયા તો ખુબ વખણાય છે નહીં?)

6.એની કોઇ પણ સહેલીના રુપના વખાણ ક્યારેય ન કરો.

7.એની સહેલી ઘેર આવી હોય તો ડ્રોઇંગ રૂમમાં વારેઘડીયે આંટા ન મારો.

8.એની મમ્મીની રસોઇના વખાણ કરો.

9. “હું કેવી લાગુ છુ” નો પ્રમાણિકપણે જવાબ આપવો શકય ના હોય તો એમ કહો કે “ આજે તો તું સાવ જૂદીજ લાગે છે.”

10. એના મામાની સરકારમાં બહુ પહોંચ છે એવુ કહો, સાસુ પણ ખુશ રહેશે.

11. “તારા પપ્પા બહુ સોશિયલ છે” એવુ મહિને ઓછામા ઓછુ એક વાર કહો.

12. ટીવી જોતી વખતે : “અરે, જોતો, આ કેટરિનાએ તારા જેવી જ હેરસ્ટાઇલ કરી છે” એવુ કહો.

13. તમારી વાત ટુંકમાં કરો.

14. એના પિયરિયાનો ફોન હોય અને “આજે શાક કેવી રીતે દાઝી ગયુ?” એ વિષય પર લાંબી વાતચીત ચાલતી હોય તો તમે તમારા અગત્યના કામ પડતા મુકી ધીરજપુર્વક એ ફોન પુરો થાય ત્યાં સુધી રાહ જુઓ.

15. જમવા બેસતી વખતે પાણી જાતે ભરી લો.

16. એની વાત ધ્યાન પુર્વક સાંભળો છો એવુ એટલીસ્ટ બતાવો તો ખરા જ.

17. એ કશુ કહેવા આવે તો છાપુ બાજુ પર મુકી વાત સાંભળો.

18. એ વાત કહેતી હોય ત્યારે ટી.વી. મ્યુટ કરી દો!

19. ઉતરન અને ક્રિકેટ મેચ સાથે ચાલતા હોય તો ઉતરન ચાલતી હોય તે ચેનલ મુકો. એ જો ભુલે ચુકે સામો વિવેક કરે તો એમ કહો કે “મેચ તો રોજ આવે છે” (V.Imp.)

20. એ એમ કહે કે “આજે બહુ ગરમી છે” તો પંખો ફાસ્ટ કરો યાર!

21. એ એમ કહે કે “આજે બહુ થાકી ગઇ છુ ” તો તરત કહો કે “ચાલ, આજે બહાર જમવા જઇએ”

22. એ એમ કહે કે “આજે રસોઇ કરવાનો મુડ નથી” તો તરત કહો કે “સાચુ કહુ, હું તો પીઝા મંગાવવાનુ જ વિચારતો હતો”

23. વાત વાતમાં એના સોગંદ ખાવ (તારા સમ, તુ સાચે આજે જુદી લાગે છે!)

24. બેડરુમમાં બામની વાસ સહન ના થાય તો ફરિયાદ કર્યા વગર કોક દિવસ ડ્રોઇંગરુમમા સુઇ જાવ.

25. કોઇ પણ ફરિયાદ કરવી હોય તો સીધી નહી પણ આડકતરી રીતે કરો જેમ કે: દાળ પાણી જેવી હોય તો “ આજે દાળ કંઇક જુદી જ હતી!” અને રોટલી કાચી બને તો “આ વખતે ઘંઉ સારા નથી આવ્યા” એમ કહો.

નોંધ:

૧) આ ઉપાયો અંગે લખનાર કોઈ ગેરેંટી નથી આપતા, તેમજ ઉપાય કારગત ના નીવડે તો આ અંગે કોઈ પણ પ્રકારની તકરાર કરાવી નહિ.

૨) આ ઉપાયો મેં અજમાવેલા છે કે નહિ તેવો બેવકુફ જેવો પ્રશ્ન કરવો નહિ. બેવકુફ જેવા પ્રશ્નો પૂછવાની પેટન્ટ મારી પાસે છે.

૩) ઉપરના ઉપાયો પર પિષ્ટપેષણ કરી સમય બગાડવો નહિ. એટલા સમયમાં પત્નીની ઘણી સેવા થઇ શકે છે.

૪) કુંવારાઓ માટે શું? એવા વાહિયાત સવાલો અહી ન કરવા.

#fb
Us bewafa ki yaad me jaam Haatho me utha liya…..

Waah….

Waah….

Waah…

Phir….

Phir…

Uthai Bread Lagaya Jam or Fata Fat Kha lia!

Relations are like a bird. if u catch tightly it dies. If u catch it loosely it flies. but if u catch affectionately. it remains wid u foreva.