if you are banker how can u reduce or recover npa??

if you are banker how can u reduce or recover npa??

 

we sent notice to every customer that is NPA for Bank ...then reminder latter 2 more time.. then inform to our BOSS for take action. - as a marketing officer we launch some special attractive package for customer..,,, like we give discount for full and final.. so customer attract to pay loan... like sbi recently launch this kind of package ...

 

also,,Bank should give loan on the bases of CIBIL report...

 

You are not entitled to that much power by which u can give loan waiver

 

yes,,we just give suggestion to branch for launch various package .....

 

Make sure that you learn about DRT - Debt Recovery Tribunal and SARFAESI Act - Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act. While DRT deals with NPA by judicial (Court) policies, SARFAESI Act allows the banks to auction residential / commercial properties and assets and thereby recover the losses.The Former RBI Governor, has suggested banks to get more technologically advanced and to share inter bank related datas regarding loan defaulters (black listed customers).Other than that you can do your own research (if possible) about a particular customer once he comes in for a loan. You can look up for his CIBIL SCORE, properties / assets owned, Facebook profile if necessary and then decide to transact with him.

 

Abhinav, bhai yeah bro!! When he can come up for a loan with fake documents. Why would he have a ligit FB page.. You are right. We should alternatively look at Instagram instead.

 

Document fake h ya nahi h ye bhi check karna hoga loan sanction karne se pehle