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Few points you should have mentioned like: 1)crop loan for farmers 2)shg loans for women 3)mudra loans for unemployed 4)goverment interference in corporate loans. 5)non existance of firm recovery policies for psu... 6)most importantly goverment wish to make psu loss making so they can sell them to private players

@kundanchandra8961

2 жыл бұрын

Everyone plz read this. Very important to understand

@guddi1491

2 жыл бұрын

Totally agree

@unofficial4650

2 жыл бұрын

Reservation, laziness and incompetency of government bank employees are big reason too. I worked on online platform of SBI. And these employees are just lazy and dumb. They don't learn about new stuff

@AMANKUMAR-oi5xv

2 жыл бұрын

@@unofficial4650 reservation waale ne toh fir bhi exam nikaala hae .corporate mae toh sabkuch referal pae chalta h

@unofficial4650

2 жыл бұрын

@@AMANKUMAR-oi5xv bhai private mn koi apne paise kyun duboyega nalayak ko hire krke

M also a student and i have a similar story i went to hdfc bank and they said i need to have a minimum balance of 10,000 than i went to canara bank where minimum balance is 1500

@Michael-eh2lz

2 жыл бұрын

Open kotak 811 zero balance account

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@ankit8904

3 жыл бұрын

Government employees are not response properly....Not working properly. Support privatization

@sunpreetsingh5160

3 жыл бұрын

What about Corruption in Yes Bank? and their cooking of accounting books. White collar Corruption in private banks is also big problem. How can we forget about ICICI Bank's Chanda Kochhar incident. The need of hour is to stop political interference in govt banks by giving them more autonomy. SBI Bank is still highly profitable and their Mobile Banking App YONO is superior to HDFC Bank Mobile banking App.

@bhaveshsolanki1971

3 жыл бұрын

No system must be improved to eliminate frauds coZ frauds are happening in private banks also like yes bank, ICICI bank, PMC etc. Also thare so many rules like minimum balance are also not supporting for government campaign Jan dhan Yojana which is banking facilities to deprived and unorganised sector.

@omkargourshette9507

3 жыл бұрын

Why do government make so many government banks wouldn't it be easier with one single government bank?

@Siddhantabora

3 жыл бұрын

Germany mein N26 hain

I even know people who work in no.1 private bank of India but have account in nationalized bank because pvt bank deducts many schemes without consent of customer

This video title itself gives an idea of insecurity in the minds of government bank customer..

@amitparasar2468

3 жыл бұрын

Bilkul bhai....

Opening is lit..

@namaskarprasad

3 жыл бұрын

Don't let it fade, lit other screen by sharing. Thank you

@bnikhil2414

3 жыл бұрын

It's unbelievable to Finoov❤

@YourFriendFromVizag

3 жыл бұрын

Such a stupid image people carry inside their mind about PSU banks. Come work for a day in my branch & you'll know what a ducking sick life we have. What kinda pressure we under go. With such staff shortage. Stop that bullshit.

@businessmanagement7487

3 жыл бұрын

@@YourFriendFromVizag i respect your feelings sir but majority PSU banks mein situation kharaab hi hai Aapki exception hogi

@YourFriendFromVizag

3 жыл бұрын

@@businessmanagement7487 That situation you guys speak about is because of the type recruitment process we have here in India. I am an engineer by Qualification working as a banker. Now, If I don't learn banking & balance sheet analysis. And keep taking promotions. And then end up sanctioning Consortium loans. This is what happens eventually. The HR policy in PSUs is shitty. They hardly train their Manpower. There is Hardly and Knowledge upgrading in the staff. Yet they have such impractical targets. WE MUST LEND. AND REACH TARGETS SET BY REGIONAL OFFICES.

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Don't blame clerks n managers n small employees for the loss. The corporate npas are because of political pressure. MPs n Ministers force Bank officials to give loans to their friends. They can't do the same in return Private banks. so politicians themselves are responsible for the loss of psu banks.

@bilasabhisek

2 жыл бұрын

Don't you think putting blame on only Politicians is unfair. Don't you think bank employees involved in all these NPAs. Was it comman man money or politicians father's money. Why bank employees didnot think about poor people that time. Also I donot think that banks lend money without any proper mortgage. Still why all these NPAs. Simple DRAMA of care for Poor people zero balance account to safeguard only inefficient and Kamchor bank employees .

The 90% NPA come from corporate loans which are sanctioned by syndicate and by pressure if big ministers. Not a single branch is in loss in operational profit.

@roam4565

3 жыл бұрын

Sahi kaha

@ankitgupta4895

3 жыл бұрын

I know but our society is anti-bankers, especially PSB bankers. I observed it when govt. bankers are praising themselves as covid warrior but no one care one bit for the bankers' service.

@kspirit7571

3 жыл бұрын

@@ankitgupta4895 right. Every chutiya just need their work done in 1 nano second. I mean bankers are humans only they forget

@ankitgupta4895

3 жыл бұрын

@@neil4473 I resigned from a big PSB. I support merger but not privatization. GOI won't get real cost by privatising the bank. PSBs are highly undervalued by the market.

@sachinmishra1207

3 жыл бұрын

Right

There are a few question arises from this video : 1. Are corporates or private banks ready to serve in the rural part of country if we privatise govt banks ? 2. Is this really a good decission to allow big corporate houses to open banks because we all know where will money of those banks will be parked in form of loans. 3. What about regional rural banks - the main aim behind the establishment of rrbs was to cater the needs of agricultural or rural population because private banks were not ready to open branches. 4.What about the belief system which people of india have in govt banks.Like when there is need GOI Pumps funds in these banks but if a Private bank goes short on funds will GOI do the same. 5 As you said the main problem in Government banks is lending its not the staff.Yes i know there are a few cases where govt banks employees don't work efficiently but this is not the case with everyone.I think you should qualify the exam of State bank of india PO and get a seat for yourself and then work for 10am to 9 pm.You will know the reality of work bankers do.So please stop spreading this propaganda ki lunchkebaadaana.For your kind information some don't even have the time to do lunch. 6. And yes this 10 min video of depicts nothing except few data points which one can easily find on google.

All major defaults of loans comes from the corporate sector as you mentioned here. Compare to private banks, they are also provides these loan but with carefully checking their financials, credibility and without pressure of the Centre or state govt. Major root of the problem is government's politics who used these PSBs for their political interest like Loan waiver announcements.. If they could grant money to them to educate their staff, investment in technological advancement, stop their political interest I strongly felt that these PSBs will doing better than private banks because they have vast confidence of their customers and their cost of lending also small.

people money security is needed , doesn't matter Pvt or govt bank , both are in hands of govt

@chandraketubarada2411

3 жыл бұрын

Yehi soch k jite raho aap k private bank k money secure he.

@kunjar

3 жыл бұрын

Kewal. 5 lac ki gurantee hai.

@sushmacr466

3 жыл бұрын

If you were yes bank account holder you could have understood it.

@Gautam07777

3 жыл бұрын

If you keep money private bank, you have to think that you may not get money return, you know yes bank, cooperative bank,

@kavitakhandekar1672

2 жыл бұрын

Money security to nahi rahegi or extra charges jo lagayenge na private bank tb samjh me aayega Aaj 500 me giv bank me deposit karna padta private bank me 15000 deposit karna padega

Privatisation of Govt. banks is not an ultimate solution. Government also needs to take care of employment. Every year lakhs of students appear for Banking job exams. So, before privatisation govt. must ensure that private banks should also follow the same procedure just like the Govt. Banks during recruitment.

@HKTutorials

2 жыл бұрын

No

Sir I am a psu bank employee served in a rural branch of WB.many persons are very happy with the govt decision of bank privatisation.Either they have no knowledge how these banks operates in rural areas where a person even dont know how to write or they have their personal benifits.we have massive shortage of staffs.We face massive footfall where we have to serve more than 500 people a day for various works.We have thousands of subsidesed accounts where govt subsidy comes.people comes from very far places by walking as no other transportation available. people in town or city cant imagine how these banks works.people forget how these banks works at the time of demonitization.Government just gives order without proper planning or infrastructure or manpower rather they put tremendous work load.But still we serve.what about private banks?are they serve these areas or they serve only to those few selected people.And if a psu have fund crisis government gives money but what happened when private banks become bankrupt?what happened to yes bank?why government put pressure on sbi to take over yes bank?Is this fault of sbi?no infrastructure no man power tremendous work load due to governments daily new schemes are these factors not responsible for degradation of psu banks?

Reason behind banks default is finance ministry itself under the influence of businessman, bank works well intact

I would like raise a few points. 1. Private banks like yes bank and icici also have some incidences of poor conduct . The videocon Npa of icici and the crisis of yes bank, which was later bailed out by a government owned bank that is sbi by buying a large share in the bank , are good examples of corrupt and poor practices in private banks as well. However, they have performed better when compared to smaller public sector commercial banks which are burdened by providing cheap and essential financial services to unbanked and underbanked sections . 2. If there is a corporate loan that has failed then the owner of the corporation must not be allowed to hitchhike to another country there should be strict laws to stop this kind of thing. 3. Farm loan waivers are a huge burden on the financial strength of the country. Whether it is the reinjecting of capital into the banks or it is money set aside by the government from its funds, in the end it is the taxpayer that is going to pay for it.

Prasad bhava ek no knowledge deto tu 👍😇

I have a saving account in pnb. Pnb charges only rs 177 maintance and debit card charges. Also, provide interest approx 2.5-3%. In Gov. Bank, we feel our total money is secure and safe.

Govt must introduce strict laws for recovery of bad loans

SBI employees always say ..."Lunch k baad aana" , even at the morning also 😂😂😂😂

@satishmd8639

3 жыл бұрын

Even Canara Bank employees.

@mechravi99

3 жыл бұрын

At least they will not run away with your money after Lunch

@arjunchavda3001

3 жыл бұрын

😂😂

@navaneeth1087

3 жыл бұрын

@@mechravi99they will not because they are backed by unlimited funding from GOI which is basically public money.

@vikashkushvaha

3 жыл бұрын

Aur PNB kehta hai ki aana hi mat 🤣

About 8 years ago...SBI branch of my town denied me an simple account opening due to multiple documents and other silly reasons...since from I have never used their services not even ATM....🤣 Part 2: Kotak Mahindra provided me home delivery account opening with their customer officer along with passbook and cheque books and many services

@iamsmritisharmaa

3 жыл бұрын

What are the service charges in Kotak?

@harry9238

3 жыл бұрын

Pls check minimum balance and difference in loan interest. Reason y people prefer government bank

@theankurgautam

3 жыл бұрын

I was working in a company back in 2014 and they opened my account in kotak mahindra. It was all good untill i resigned from the company and my salary was discontinued obviously. Had less than 10 k after while they deducted my money from my account as minimum maintenance of 3 months all in one go ,Which was Rs 1050. Had to withdraw all my money from it asap. From there on I never opened my account in private banks. Maybe not everyone is as rich as you.

@iamsmritisharmaa

3 жыл бұрын

@@theankurgautam Yes, exactly how they work in Pvt Banks. 😊

@HardeepSingh-bh7zw

3 жыл бұрын

Privatization is the way forward. It's right time to sell PSU/GOVT ENTITIES (valuations are good and fairly priced) especially PSU/GOVT BANKS. Time for aspirants and also employees to understand that its better to privatise else a decade from now we will see psu/govt banks sinking like BSNL/MTNL. Government and tax payers cannot sustain repeated bailouts of these white elephants. Also privatization will atleast give some chance for survival of these organizations in some form or other for e.g., Axis Bank.

सरकारी बैंकों का होना अछि बात हैं इनको टेक्नोलॉजी से ठीक किया जा सकता हैं ... सिर्फ 1 या 2 बैंको को ही कारपोरेट लोन देने का आधीकर देना चाहिये औऱ उनमे एक्सपर्ट बैंकरों की न्युक्ति करनी चाहिये जो बहुत जाँच परख के बाद ही कारपोरेट लोन दे... बाकी बैंको को केवल रेटल लोने देने की परमिशन के साथ सरकारी बैंक रहने देना चाहिये।

I had visited Canara Bank for account opening form I waited for more then 30 minutes then they told form is not available in a rude way very bad experience

@mitendra1980

3 жыл бұрын

I think you are wrong. I visited canara bank and employee help me to open account by diya app. I feel amazing because I open account only in 5 minute through my mobile.

@Ace-mt7pc

3 жыл бұрын

@@mitendra1980 no one is wrong u r lucky that employees were actually doing their work

@kumarsaurabh3062

3 жыл бұрын

@@Ace-mt7pc visit an HDFC Bank, they'll first ask for a cheque of your already existing account.

@Ace-mt7pc

3 жыл бұрын

@@kumarsaurabh3062 so ?? Let them ask I will go in icici

@kumarsaurabh3062

3 жыл бұрын

@@Ace-mt7pc if you could afford icici then why did you go to canara bank in the first place 😂

A good attempt. Some more points to consider. Cases of frivolous lending practices have happened both in private as well as public banks. As far as kingfisher airlines is concerned, I believe our state run airline is also loss making and a bigger cash guzzler. But fortunately for them "restructuring options" are easily available to them. As far as privatisation of psb's are concerned, it has to be a slow and cautious process with strengthening at their board level, for better governance and alignment with laid down guidelines. But privatisation is an eventuality which we have to come to terms with for the general good.

I have a question that did this type of fraud now happens in usa or not and if yes than how there govt tackle all this

Really First Few Seconds Of Video is real😂😂

@namaskarprasad

3 жыл бұрын

We know the pain buddy 😬

@vickyg246

3 жыл бұрын

@@namaskarprasad Bhai SBI गए थे क्या 😂😂😂

@MarketSeekers

3 жыл бұрын

@@vickyg246 Yup 🤣🤣🤣🤣

@sukhbirsingh6823

3 жыл бұрын

bhai kabhi public sector bank ja kr dekhna wha staff kitna hota hai ,aur customer ki crowd kitni hoti hai. government do not provide good infrastructure to psb n expect goof service

@vinodbhati4314

3 жыл бұрын

💯 yes..

ये गलती बैंक की इन सबके md ceo से वसूली करनी चाहिये

@jay25101987

3 жыл бұрын

sir jab loan default hota hain tab tak MD retire ho jata hain aur wo isika fayda le rahe hain

Nowadays , icici bank is offering zero balance account ie. Mine savings account .

I have been following you channel since the starting and liking them. I admire your gamut of knowledge. So I expected a complete overview from u at least from every perspective. Thanks

What about heavy charges, High interest rates and different interests for different customers charged by Private banks

@kirmada-sur

3 жыл бұрын

good

@kk6195

3 жыл бұрын

Peach of mind is much better than saving 100 rupees per annum. I have an account with HDFC and SBI both. I don't even know where my HDFC branch is, because I never needed to go. Everything is online. But in BOI,SBI, had to go several times even in COVID and their their slow service is another story.

@piyushtrivedi0023

3 жыл бұрын

we are okay with it

@bansy569

3 жыл бұрын

@@kk6195 why did you visit SBI and BOI during covid?

@kk6195

3 жыл бұрын

@@bansy569 We visit banks for banking purposes lol

I am using private bank as its services are good.Every time i had visited any govt bank it was like harassment and torture for any work done.

Agr public banks ka main feature poor and medium class ke logo ko loan dena hai to to unhe hi de and kuch special banks hi industrialists aur tycoons ko loan de with some change in protocol.

बैंक भी निजी होना चहिये हमारे यहाँ तो खाता एक्टिव के लिए पंजाब नेशनल बैंक में हजारों लोग प्रतिदिन बैंक के दरवाजे घूम रहे है पर सरकारी स्टाप को कोई tention नही है बेतन तो मिलते रहेगा काम हो या ना हो यहाँ सिर्फ गरीब का खून चूसा जा रहा है

SBI me lunch to 10 am se 5 pm tak chalta.......

@HardeepSingh-bh7zw

3 жыл бұрын

It's right time to sell PSU/GOVT ENTITIES (valuations are good and fairly priced) especially PSU/GOVT BANKS. Time for aspirants and also employees to understand that its better to privatise else a decade from now we will see psu/govt banks sinking like BSNL/MTNL. Government and tax payers cannot sustain repeated bailouts of these white elephants. Also privatization will atleast give some chance for survival of these organizations in some form or other for e.g., Axis Bank.

@shubhamsarkar124

3 жыл бұрын

@@HardeepSingh-bh7zw government will only sell non merged banks government has already said they will keep 4 banks they may sell 3-4 small banks but rest will be merged to form 4 big banks , if government privatise every bank then government won't be able to fund there tons of socialist policies like : PMSVANIDHI Swamitva Atmanirbhar bharat MUDRA JAN DHAN And many such schemes.

@HardeepSingh-bh7zw

3 жыл бұрын

@@shubhamsarkar124 shit so much loss for tax payers

@shubhamsarkar124

3 жыл бұрын

@@HardeepSingh-bh7zw tax payers money is meant for the development of people of india tax money is sort of a charge for taking facilities of the nation so a tax payer has no say in how that money is spent tax payers population is any way 15-20% so government is always going to be pro poor and they will aid the corporates a little so to generate employment that is it.

@HardeepSingh-bh7zw

3 жыл бұрын

@@shubhamsarkar124 Taxpayers have full right to know how the tax payers money is spent. TAX payers money is not "Baap ka Maal". That is the reason we have CAG to audit the optimum and correct utilization of resources.

Privatisation is very beneficial in long term as all developed countries doesn't have very much public sector companies.

@dishantaggarwal6938

3 жыл бұрын

But poverty is main factor for our country but yes parallel privatization will be great 👍 with public

@keshavbeniwal1686

3 жыл бұрын

@@dishantaggarwal6938 yes for social development there should be only some public sector companies.

@keshavbeniwal1686

3 жыл бұрын

@Akshay 004 yes but not all isro drdo and bro are some good public sector unit

@TheTrpo

3 жыл бұрын

@Akshay 004 ha bhai.... Chale aye bare laude wale economist..

Makes sense, we are living in urban where we are looted by goverment but we don't realise that our money is used by goverment to make a poor's life better

@phoenixbagri744

3 жыл бұрын

kya naya parliament bana ke poor ki life better hogi?

@squrriel675

3 жыл бұрын

@@phoenixbagri744 abe aggregate me bol rha hun, ye godi goverment ka hate tu mujhe mat dikha jake andh bhakt ko dikha

@nexz6734

3 жыл бұрын

@@squrriel675 whatever you said that's how it's done as we have 1.6 billion to feed and less people to pay tax, Ignore that miserable madadaka commenting above

@squrriel675

3 жыл бұрын

@@nexz6734 yes i know but what is madadaka?

@AA-re8jd

3 жыл бұрын

@@phoenixbagri744 New parliament will save 1000 cr per anum of gov spending + As no. Of MPs will increase so it need expansion

Hlw sir.. Kon sa book pade koi idea ?? waise book Wala v video dekhe hai

Namaskaar.... It's always so nice to hear this. I think other than the contents it's the way he talks that makes it worthwhile seeing the video

Minimum balance requirement is a non-issue In some special cases the rule can be made to open a zero ballance account One of my friend doing PhD in IIT has already a zero balance account to receive stipend in YesBank

@thenightmare9332

3 жыл бұрын

What about the Government schemes...Private banks won't serve the poor customers as they bring no profit to them...check the data how many zero balance accounts have been opened by the private banks...Private banks are not for the poor ...Large amount of KCC loans have been provided to the low marginal farmers by Government banks....

@bilasabhisek

2 жыл бұрын

@@thenightmare9332 First minimum balance account was a reason and now govt policy implementation is another vague excuse to stop privatisation. Govt is not to run bank or Railways or airlines. Govt is here to create policies and monitor if the policies are being implemented by private players properly or not. If not make them accountable and put hefty fine on them. Why govt will check for Profit or loss. Govt should only focus on a fixed income from each unites without any further investment. In developed countries there is no govt electricity or water dept or railway. All are privatised . In India people want a govt job to enjoy job security without any efficiency . This mindset should be changed. Bank employees are doing DRAMA by saying they care for Poor people . Simple DRAMA to save inefficient bank employees.

@thenightmare9332

2 жыл бұрын

@@bilasabhisek You talked about developed country... Don't forget India is still a developing country....There are still lots of poor people in this country....

@starkbro7753

2 жыл бұрын

Salary account is always zero balance account please check before commenting any non sense concept

Sir government bank ka manegement me dheyan dena chahiye government ko

@ashiqdey

3 жыл бұрын

Wo toh nhi ho payega 🤣

@ultimexg1419

3 жыл бұрын

Gov ke haar institution, agency, centre mae kaam aise hi hota hai. Par sabko bechna can't be the solution. Bechna means removing government's part of obligation from the problems.

@ashiqdey

3 жыл бұрын

@@ultimexg1419 privatization doesn't mean always selling, sometimes it's renting /leasing. There are many govt companies which are operating in huge loss so selling them is better then keeping them to spend public's money on them. And leasing govt property means more recurring payment because private partner would make profit from every inch of property they will rent

@ultimexg1419

3 жыл бұрын

@@ashiqdey Gov institutions operate under looses also because the main aim is welfare nd not profit making like commercial organisations. And I didn't talk about privatization. Can u spot that word in my main comment?

@108aditya

3 жыл бұрын

@@ashiqdey They should try PPP mode Public Private Partnership 51% stake of Govt and rest Private

Bandhan bank is one private bank which mainly served the rural area and gives loans to poor people

Prasad bhai, have been following you for a while, you never cease to amaze me, how you simplify convoluted terms and technical jargons for the novices. Just a suggestion - a few times you have inadvertently used the word GOVT Banks, but they are PSBs (public sector banks) wherein the stake of govt is more than or equal to 51%. Anyway keep it up.

commodity research anlyst bane ke liye kuch suggest kare sir

Reason is only one. Govt. Bank employee and management

@stifler4eva1

3 жыл бұрын

Don't blame clerks n managers n small employees for the loss. The corporate npas are because of political pressure. MPs n Ministers force Bank officials to give loans to their friends Like Anil Ambani, Adani, Mallya, Nirav Modi etc. So under pressure the IAS n Babus do this to help politicians. After disbursing loans These IAS are transferred to other organisation. Politicians can't do the same in Private banks. so politicians themselves are responsible for the loss of psu banks.

@thevishwass

3 жыл бұрын

@@stifler4eva1 Rules and Regulations also Important 🙂

@ramanchoudhary3241

3 жыл бұрын

@@stifler4eva1 whatever fraud was there But if you were on your truthness withvyour duty nothing can't possible It's not a rpl to u But it is true

@z2zugzwang

3 жыл бұрын

@@stifler4eva1 I agree that there might be issues with the loans given but that's no excuse for the pathetic customer service offered by the customer facing staff in the branches.

Which finance course have you pursued. Please reply.

When normal people wants loan bank never give easily but company wants they give easily but when you see the comparison between private or public sector bank there is a lack of problem in management and lazy employees in public bank I actually visit private bank they work like customer is a first priority but when you visit public bank they don't care about public they just work for salary thats it this example shows that private bank cares about people money but public bank????????

@ojaslife2022

3 жыл бұрын

Private sector bank me ek chij or achchi hai they are employee oriented ...they care about their staff.. but in public sector bank ne apne staff ko jese war me dal Dia ho Kai bank me ek ya 2 staff hote hai but private sector me proper staff hotel hai ....

@vivek4928

3 жыл бұрын

Goverment policies are responsible for that....most of corporate loans are sanctioned by board of PSU...which are appointed by goverment themselves...they basically works for politicians...once political interferences in psu stops they can perform well...

@HardeepSingh-bh7zw

3 жыл бұрын

@@vivek4928 Then better privatize, no government interference.

@vivek4928

3 жыл бұрын

@@HardeepSingh-bh7zw what about those employees who toiled hard to get goverment jobs?if private banks are so public friendly then why most of social schemes are implemented by psu....mudra,apy,jan dhan,kcc,stand up india....simple logic is that goverment is not keen to make psu profitable they are just happy to blame psu's rather than interospect their policies.

@HardeepSingh-bh7zw

3 жыл бұрын

@@vivek4928 yes the so called injustice to the entitled psu/govt employees because they cracked the toughest exam in the country once in a life. I still don't get there are thousands of candidates who crack tougher exams in different fields and make career in private sector but have never seen them so entitled. While joining they were aware of the risks and these comes with the profession. I've never seen private employees resisting ownership changes and even after they have toiled hard in the organization but psu/govt employees feel entitled so that they can keep getting benefits. If owners policies are issues then change in ownership should be encouraged.

I thought first few seconds is part of Advertisement 🤣😂

Opening set is awesome.. and the video is very informative

Hello sir i have 1 question... Suppose i buy a 100 quantity of share for intraday..and then if upper/lower circuit happen on same day...what will happen to my shares...❓

I wasn't expected this opening. Amazing

Mujhe 1.5 saal ho gya bank account khulvaye huye or mne aaj tqq debit card order nhi kia kuki knhi zrurat hi nhi pdii i do online transaction only👍

Bhi your video help me alot for knowing about Share market Thanks Homie 🔥🔥🔥🔥🔥🔥

Hi Prasad, nice video, and first time heard about NEO bank, needs more videos on Neo Bank concepts. Namaste 🙏

Please make a separate video on each point raised in budget. Separate video for separate point like scrapping policy, privatisation etc

Reservation walo ke bethaoge too yahi hoga naa public sector banks meee. Need is to change the employee and the management not the ownership

बहुत ही शानदार भईं

I want to transfer my laxmi vilas bank share from one demat account to another demat account so is it possible.

The amount of loan given by government bank to one pan number or business group should be limited to say 10cr. Rest of the money should be lended to other private banks. If their objective is to serve poor, they don't need to lend 1000s of crore to single person

@anshuyadav967

3 жыл бұрын

Of course because tycoons can afford high rate of interest too

Prasad bhayya, Request you to also add your English version of video..... There are a lot of my Tamil friends who want to know more and get reliable information. I find your and Rachana Mam's video very useful. Please add you English version video, so that we can share and all learn

@namaskarprasad

3 жыл бұрын

Sure Sagar. Working on it👍🏻

I think government can also take some solid measure as same as private bank to stop scams and we all know that government has more power than private banks I don't think privatization is the solution

Very nicely explained, god bless you 🙏😇

Can you explain about the earning release events in diffrent companies?? What to do can i buy share or sell the rest?

I think privatization of some bank is good

@TheTrpo

3 жыл бұрын

I think ur face is a tatti too😆😆

@dilipbagwe3567

3 жыл бұрын

Why then yes bank went into red?

@tuhinsuryachakraborty

3 жыл бұрын

All banks should be privatized except sbi

@vaghelaketan5911

3 жыл бұрын

Iske liye privatisation hi option nahi he. Iske alaawaa yahi govt. Banks me jo Pvt. Banks me work atmosphere he, wesa laa sakte he. Ya fir ek committee bhi bana sakte he. Taaki wo strictly us par nazar banaye rakhegi. Aur wo committee ka bhi kuchh kuchh smaay me badlaav bhi jaruri hona chahiye. taa ki koi b ek committee kuchh b fraud karne ka na soch sake. Aur uski wajah se fraud aur defaulter ratio down aayegi. Aur specially RBI ki bhi ek committee ya department yah sabse connected honi chahiye.

Intro was hilarious

Do you have any model portfolio?

Thanks for the information

Thanks for saying truth about farmer waiver truth ,some people said that the it's main problem to default bank.

Wa kya Example diya Starting Me 😂😂😂😂😂😂

Sir aap ne ye to btaya ki gov bank corporate loan k wjh se lose kr rhi h pr ye nhi btaya ki ye corporate loan konse logo k influence me aakr di jati h... Jo ki mainly politically influence hoti h Sir itta research krte ho ek bar government banko ka operating profit dekho thoda najariya change hoga.. Govt. Banko ko jaanboojhkar doobaya ja rha h by government

Sir really well explained.

Sir you told that at the last you will tell how the fraud money is effecting the normal people but you forgot. Hope in any video you will give that knowledge.

@akhilb30

3 жыл бұрын

he told in the video that government infuses crores of money every year in public banks because of high defaults and losses in them. The money infused by them should be actually used by the government for public needs. That's how it affects normal people.

Excellent starting. Real story in every bank 🤣🤣🤣🤣🤣🤣

@Mr.Mister420

2 жыл бұрын

In every Government Bank* ICICI HDFC AXIS are much more efficient

Bhaiya ...bahut hii achha hai aapka starting👍👍👍👍❤️❤️❤️❤️🙏🙏🙏🙏keep it up......well done......👍👍❤️❤️👍🙏👍❤️👍👍

Thanks for your efforts 👍👍

U gave incomplete information..Private banks also gives loan to big brands and name n faces loss bt they try to cover lose with heavy chargers,insurance premium etc

Sir, Agar Private Ho gaya to account holder par ku6 farak padega?

Log to exam ka preparation mein itna time laga lete hai....unka koi corporate skills nehi build hota hai...to ese hi log brand or trademark ke upar loan de detee hai 😂😂👍

The way you say नमस्कार is truly Outstanding ❤️❤️❤️❤️

खाजगी करना मुळे हा आरक्षन चा वाद पण कमी होऊ शकतो .....

Great information by great person

Love the different intro section 😇

Sir waise mujhe gvt bank ki knowledge nae hai........but yeh corporate loans ki sanctioned power politician ke hath main hotta hai na ki bank ke aur will full defaulter ki recovery toh govt karwa sakti but woh karwana nae chahiti......govt jo paisa infuse karti hai woh govt wapis bi le leti hai jaise rbi se wapis lea tha.......aur bahut kuch hai but filhal itna bahut hai

This video's starting is op❤️

15-20 lakh candidate paper dete h or in sab me coaching bhe le hogi toh ye sab bhe Kam ho jayega agar banks Pvt hue toh revenue par or bue asar padega isko bhe dekhna chahiye yaha ki kamai bhe Kam ho jayegi

@HardeepSingh-bh7zw

3 жыл бұрын

It's right time to sell PSU/GOVT ENTITIES (valuations are good and fairly priced) especially PSU/GOVT BANKS. Time for aspirants and also employees to understand that its better to privatise else a decade from now we will see psu/govt banks sinking like BSNL/MTNL. Government and tax payers cannot sustain repeated bailouts of these white elephants. Also privatization will atleast give some chance for survival of these organizations in some form or other for e.g., Axis Bank.

Great video sir you have amazing knowledge about finance .

corporate loans Pvt Banks mai bhi default hota hai, use bachane ke liye sbi lic jaise organization hi age ate hai. Aur ye jo big size corporate loans hota hai na ye sare political influence se hi hota hai.

Me : Good morning I have my account in Kotak, Sir I have a wonderful experience, according to me private banks add new features with cheap rates to attract customers and they are more focused on innovation and R&D unlike government banks. PSU banks are very slow and lazy. Neo bank is a nice concept but indians beleive in Asal which means physical presence. I want to suggest that PSU's should be only 3 SBI PNB & BOB and privatize all other banks and to safeguard public interest government can regulate private sector banks to maintain certain standards like Asset Quality etc.

I had never visited bank branch we do online 💻💳

My opinion is ...... We must have Government bank and Private Bank .... for our Developing Economy.

Almost 6-7 years, I haven't visited to bank .

Now what is your say on Lic IPO because Lic is the biggest profit making company of the government! Please reply?

@niketkumar9393

3 жыл бұрын

It's good opportunity for retail investers like me,I am waiting for lic IPO.......buy lic

एक ही pan card से 2 account खुलने के बाद किसी एक account से ipo apply करते हैं तो ipo मिलने की क्या संभावना है या एक account बन्द करना ही पड़ेगा?

@vipassanameditation3419

3 жыл бұрын

Ak pan card se ak hi ipo apply karo...warna do alag broker se apply kar rahe ho..but an card same hai....dino ipo cancel hoga

@sagarmajumdar8520

3 жыл бұрын

@@vipassanameditation3419 if i apply for an ipo with 5 different pan from 5 different demat account but from a single bank account,is it valid or void?

Is it possible that Only 3 top govt banks are allowed to give corporate loans? Rest others can give only retail loans and can do only retail operations.

1 Rule banana chahiye, 1 -5 km2 me sirf 1 hi government bank honi chahiye. Hamne dekha hoga k pas pas me bahut se banks ki branchs hoti hai, isse kitna paisa waste hota hai banks ka... ATMs jyada hone chahiye, Branchs nahi

बड़ो बड़ो को ये क्युटिये लोन देते क्यो के जबकि हम छोटो लोगो को नही देते

@noname-nz5ne

3 жыл бұрын

@Pratik political connection score jyada hona chahiye.. sare bank sarkari dube hai means sarkare he loan dilwate hai corporates ko throught political connections or fir corporates se election k loye paisa bhi lete hai..

@noname-nz5ne

3 жыл бұрын

@Pratik yes bank is only private bank and also they had given corporate loan as well.

Part 2 4) now let's talk about the last topic and very much important m s m e . which means loan to small and medium scale industry many time well grow industry comes to nationalised bank for getting cash credit. nationalised bank will summarise companies balance sheet , as an example if industry having audited turnover of rupees hundred crore as per turnover company they are eligible for cash credit rupees 25 cr to 30 cr , it depend how turnover is calculated. the basic method for calculation is how much a particular industry paid there GST on GST return. from this nationalised bank will get actual figure what is there annual turnover. now let's talk about private bank in same scenario they never bother about turnover they are only deal with Collateral property in Above case the company will get 60 cr to 80 cr as a cash credit . How they come to calculate cash credit limit which is too high we don't know. conclusion nationalised bank follows RBI guideline which issue day by day, but in private bank they have their own guidelines we don't know what is the purpose and what kind of private bank doing there business. our question is, if RBI provided guideline which comes by proper research , committee and discussion are they inappropriate . nationalised bank never think that no one will be default that's why they are calculating repaying capacity ,profit earning ratio etc. but private bank are never bothered about out such kinds of ratio. and most important after calculating all kind of ratio still account will become npa more in nationalised bank as compare to private bank what kind of strategy they are applying. It clearly understant the private bank sanction loan only those people w h o m capable to repair there due ,they never invest entrepreneur and no matter to them how there client earn profit by tax defaulting , tax hiding or hawala etc.such kinds of practices are promoted by private bank if nationalised bank become a private then those people who are not paying their tax are getting promoted and they are habitual to not pay their tax. it ultimately effect our country development. my request is kindly think about it what we are promoting nation development or Nation selling. thank you,

Really interesting and helpful information.

If Someone has Account in Public Sector bank (Govt bank) and the bank gets privatisation will it effects on account ?

50 times visit kiya hi last 3 months me mene and my age 17 aur education loan ki wajah se aur account opening ki wajah se obc me aur ek iob bank hi humare village me usme visit kiya hi