Ask The Mentor – 4 December, 2017


Hello and welcome to exampundit . Here is the Daily Page where you can ask any question related to your Exam, Materials, Career or anything.

If you have any query regarding our Materials, Exam preparation Tip or any Unresolved Problems(which are not copied from other portals), just drop it in the comment box.

In case you have answers for someone else’s query, please resolve it asap.

 

Active Mentors:

  • Nisha Gautam
  • AG The Great 
  • Anubhab
  • the winner
  • Saurabh Gaur
  • Pallavi 
  • Shalini Dwivedi
  • Aarushi Mathur

 

Community Manager – For any query related to Exampundit – Sonali Dixit



There will be 3 more Mentors from Aspirants! So be active, be helpful!



Rules for Ask The Mentor Page (In short ATM Page):
1) If you want to share something,
↳ a) if it is not lengthy, post there in ATM Page
↳ i) Make sure it is not a quote or story
b) if it is a long passage, mail us at [email protected]
2)Everyone here is hoping to have a peaceful job to settle his/her career, so HELP EACH OTHER.

 

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Regards

Team ExamPundit

  • Morning guys!

    • Pal-avi :)

      morning mentorzZZ 🙂
      have a beautiful day 🙂

      • sha2nk

        Morning..pallaviji..

        • Pal-avi :)

          morning morning sir ji… 🙂
          how are u.. ??
          next xam??

          • sha2nk

            Good..mera 9th ko clerk..
            U r done na?

          • Pal-avi :)

            areyy ol the very best (Y)
            kl tha mera… 🙂 🙂

          • sha2nk

            Tysm..:)
            Good luck for mains..:)

          • Pal-avi :)

            hehhehe thankyouu much muchh… 🙂 🙂

      • 🙂

      • 4 se live Q&A rehta he 🙂

        • Pal-avi :)

          hnjii i knoww…. 🙂 🙂
          aaj se i vl also participate :))

    • sha2nk

      Good morning dada:)

      • Morning! Exam 9th ko?

        • sha2nk

          Yes sir!:)

    • A G-(THE great )

      gud morning sir :))

      • Aap ko message kiye the hum hangout pe

        • A G-(THE great )

          ohh ..mene dekha ni :I

          • Hota he! Mere sath bhi waisa hi hua 😛

          • A G-(THE great )

            sir interview material chahiye

          • Today evening

        • ravi

          good afternoon sir:))

  • A G-(THE great )

    vgm :))

    • sha2nk

      Heya..good morning…long time..?

      • A G-(THE great )

        gm 🙂 hmm thoda busy thi ghr me shadi thi 🙂 bt nw i m full time mentor 😛

        • sha2nk

          That’s gr8..:)rrb po int in the lineup?

          • A G-(THE great )

            yes 🙂 ur next exam ?nd hw was ibps po mains?

          • sha2nk

            Po..went good..
            Clerk on 9th…then ssc -2

          • A G-(THE great )

            gr8 🙂 ATB

  • sha2nk

    Morning..akshi..ma’am.

    • akshita

      So hi ni paa rhi….cold bhut jyada ho gaya h..aj tablets laungi fir se dikha kr…kuch ni ho pa rha abhi shuru..

  • Pal-avi :)

    mng mng 🙂

    • akshay

      Good afternoon mam…
      How’s ur OICL exam??

      • Pal-avi :)

        good afternoon sir.. 🙂
        it was good…
        now the result vl tell :))
        and ur exam ???

        • akshay

          Okk All d best…
          Noo exam…
          Some disastrous things happen tht hinders studies…

          • Pal-avi :)

            thankeww… 🙂
            diastrous what i mean ol good??

          • akshay

            Yeah…Sahi h…
            Random transfer to another branch tht is too far from present accomodation…

          • Pal-avi :)

            acha acha 🙂
            ur job location?? and u r from???

          • akshay

            I m from sitapur near Lucknow and posted in Ghaziabad…

          • Pal-avi :)

            okay okayy :))
            all the best for your future endeavours (Y)

          • akshay

            Hmmmmm…
            Thank you soo much…

          • akshay

            Ek to Ghar se itnaa duur aur fir yahaan bhi ek jagah nhi rehne de rhe…

          • Pal-avi :)

            hahaha jst chill and relax…
            itna stress mat lo…just go with the floww….:)
            enjyoyeee each and every momentzzzz 🙂

          • akshay

            Haan ab to yahi koshish kr rhe but its too difficult…

          • Pal-avi :)

            habbit mein ajayega….(Y)
            dont worry 🙂

          • akshay

            Yeah… Habit to banaani padegi is job mein…
            Hope ull also d part of ths system by d end of ths FY…
            But I wish ull got d insurance sector or any other tht is better than banking sector…

          • Pal-avi :)

            thankyou sir…thankeww much much for ur kind words 🙂 🙂

          • akshay

            Its my pleasure…
            U deserve these words and a govt job as an officer…

          • Pal-avi :)

            🙂

  • A G-(THE great )

    All about NPA’s
    What are NPA’s (Non Performing Assets):
    A mortgage in default would be considered non-performing, after a prolonged period of non-payment(90 days).

    the lender will force the borrower to liquidate any assets that were pledged as part of the debt agreement. If no assets were
    pledged, the lenders might write-off the asset as a bad debt and then sell it at a discount to a collections agency.

    Here is an example to help you understand what NPA’s are and how Banks counter it-
    Mr. X decided to start a business for that he needed money (the fuel) , X had 25% of the money in his pocket, he decided to go through the route of Initial Public Offering(IPO) to generate 25% more by offering his company shares to public , the remaining 50% he borrowed from Lena bank by mortgaging his papa’s land.
    Days passed and the company started to do badly then to worse and the loan installments lapsed month on month, Lena bank issued warning but X continued the bad practice for more than 90 days (condition for NPA) and the bank labeled X as defaulter and the loan as a Non Performing Asset.

    Now what X will do?
    He could take his case against the bank to Debt recovery tribunal (DRT- A court for such cases).

    What are Lena bank’s options?
    In 2002, Govt. gave bank’s a lifeline called as SARFAESI Act (Securitization and Reconstruction of Financial Assets and Enforcement of security interest Act)
    With this Act Lena bank has the power to take possession of Mr.X’s property or can transfer this to some other ownership.

    What bank will do with the acquired property?
     Bank can use this for their own purpose like , opening a new branch on it, installing of ATM’s etc.
     Bank can advertise in newspapers for the auction of the property acquired and could auction them on any pre decided day.
     Bank can sell the property to ARC (Asset Reconstruction Company), these are registered companies under RBI, they buy such assets from banks and sell them at higher prices to gain profits.