Strategic Credit Management III Notes Pdf – SCM 3 PDF VTU of Total Modules

Here you can download the Strategic Credit Management III VTU Notes PDF – SCM 3 PDF VTU as per the VTU Syllabus. Below we have listed all the links as per the modules.

Please find the download links of Strategic Credit Management III VTU Notes Pdf – SCM 3 PDF VTU are listed below:

Strategic Credit Management III Pdf Lecture Notes – VTU

Description

This comprehensive guide provides detailed notes for the subject Strategic Credit Management III tailored to the VTU syllabus. These notes are designed to help B.Tech students understand the essential concepts in strategic credit management effectively. The detailed modules cover various aspects from credit management in banks to NPA management, offering a solid foundation for your studies.

Strategic Credit Management III | PDF, Syllabus, Books | B Tech (2024)

Overview SCM III Notes Pdf

The Strategic Credit Management III notes are meticulously structured to cover all key topics required for VTU’s B.Tech syllabus. These notes are available in PDF format, making it easy for students to access and study anytime, anywhere.

The following topics are covered in Strategic Credit Management III handwritten Notes

1. Credit Management in Banks
2. Overview of Credit Policy and Loan Characteristics
3. Evaluating Consumer Loans
4. Loan and Advances Against Pledge
5. Agricultural Finances and Retail Lending
6. Financing to Small-Scale and Large-Scale Industries
7. NPA Management

Links to Download Strategic Credit Management III Notes Pdf

Below, you can find the download links for each module of the Strategic Credit Management III notes:

Link: Complete Notes

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Link: Module-1

Link: Module-2 

Link: Module-3

Link: Module-4

Link: Module-5

Link: Module-6

Link: Module-7

Strategic Credit Management III Notes and Study Material PDF Free Download

You can freely download the SCM III notes and study materials from the links provided. These PDFs cover the entire syllabus in detail and are perfect for exam preparation.

Unit’s Covered in this Strategic Credit Management III Notes Pdf

Module 1: Credit Management in Banks

• Screening of Applications: Methods and criteria for screening credit applications.
• Appraisal of Credit: Techniques for appraising creditworthiness.
• Sanction Limit: Setting and managing credit limits.
• Post-Sanction Compliance: Ensuring compliance with credit terms post-sanction.
• Monitoring Supervision: Techniques for monitoring and supervising credit.
• Review: Periodic review of credit accounts.
• Government Policies for Credit Extension: Overview of government policies affecting credit extension.
• Credit Institutions: Role of various credit institutions.
• Principles of Good Lending: Fundamental principles for sound lending practices.
• Borrower Study and Banker’s Opinion: Assessing borrower creditworthiness and obtaining banker’s opinion.
• Credit Policy by a Bank: Developing and implementing a bank’s credit policy.
• Government Regulation of Credit: Understanding regulatory frameworks governing credit.
• Prudential Norms: Overview of prudential norms for credit management.

Module 2: Overview of Credit Policy and Loan Characteristics

• The Credit Process: Detailed look at the credit process.
• Characteristics of Different Types of Loans: Overview of various loan types and their characteristics.
• Evaluating Commercial Loan Requests: Criteria and techniques for evaluating commercial loans.
• Financial Statement Analysis: Techniques for analyzing financial statements.
• Cash Flow Analysis: Methods for analyzing cash flows.
• Projections: Preparing and analyzing financial projections.
• Management of the Firm and Other Factors: Assessing management quality and other qualitative factors.
• Feasibility Study: Conducting feasibility studies for loan proposals.
• Fundamental Credit Issues: Key issues in credit evaluation.
• Credit Analysis: In-depth credit analysis techniques.
• Different Types of Borrowers: Understanding various borrower types.
• Balance Sheet Analysis for Lending: Analyzing balance sheets for credit decisions.
• Forms of Advances: Different forms of advances, including secured and unsecured.
• Short-Term and Long-Term Advances: Characteristics of short-term and long-term advances.

Module 3: Evaluating Consumer Loans

• Types of Consumer Loans: Overview of different consumer loan types.
• Credit Analysis of Consumer Loans: Techniques for analyzing consumer loans.
• Risk-Return Analysis of Consumer Loans: Assessing risk and return for consumer loans.
• Customer Profitability Analysis and Loan Pricing: Techniques for analyzing customer profitability and pricing loans.
• Fixed Vs Floating Rates: Understanding fixed and floating interest rates.

Module 4: Loan and Advances Against Pledge

• Hypothecation: Understanding hypothecation and its applications.
• Mortgage: Basics of mortgage lending.
• Lien: Concept of lien in lending.
• Advances Against Goods: Lending against goods.
• Document of Title to Goods: Understanding documents of title.
• Life Insurance Policies: Using life insurance policies as collateral.
• Stock Exchange Securities: Advances against stock exchange securities.
• Fixed Deposit Receipts: Lending against fixed deposit receipts.
• Book Debts: Advances against book debts.
• Supply Bills: Lending against supply bills.
• Real Estates: Advances against real estate.
• Advance Against Collateral Securities: Overview of collateral-based lending.

Module 5: Agricultural Finances and Retail Lending

• Crop Loans: Understanding crop loans.
• Crop Insurance Schemes: Overview of crop insurance schemes.
• Dairy, Sericulture, Poultry, Animal Husbandry, Horticulture: Agricultural financing for various sectors.
• Gobar Gas: Financing gobar gas projects.
• Kissan Credit Cards: Understanding Kissan Credit Cards.
• NABARD Initiatives: Role of NABARD in agricultural financing.
• Lead Bank Schemes: Overview of lead bank schemes.
• Retail Banking Advances: Understanding retail banking advances.
• Concept and Retail Banking Products: Various retail banking products.
• Consumer Credit Financing: Financing consumer credit.

Module 6: Financing to Small-Scale and Large-Scale Industries

• Term Lending: Understanding term lending.
• Syndicated Loan System: Overview of syndicated loans.
• Role of Development Banks in Industrial Finance: Development banks’ role in industrial finance.
• Working Capital Finance: Techniques for financing working capital.
• Turnover Method: Understanding the turnover method.
• Modified Version of MPBF: Modified version of the Maximum Permissible Bank Finance (MPBF) method.
• Cash Budget Approach: Using the cash budget approach for financing.
• Long-Term Finance: Overview of long-term finance.
• Project Financing: Understanding project financing.
• Industrial Sickness and BIFR: Addressing industrial sickness and the role of BIFR.

Module 7: NPA Management

• Introduction to NPAs: Basics of Non-Performing Assets (NPAs).
• Identification of NPAs: Techniques for identifying NPAs.
• Asset Classification: Classification of assets.
• Prudential Norms: Overview of prudential norms.
• Capital Adequacy: Understanding capital adequacy.
• International Banking Regulation – Basel II: Overview of Basel II regulations.
• Asset Classification Provisioning: Provisioning for asset classification.
• Effect of NPA on Profitability: Impact of NPAs on profitability.
• Assessment Procedure: Procedures for assessing credit.
• Pre-Sanction Appraisal: Appraisal before sanctioning credit.
• Post-Sanction Supervision: Supervising credit post-sanction.
• Monitoring Systems for Existing and Likely NPAs: Techniques for monitoring NPAs.
• Tools to Manage NPAs:
  • Compromise Scheme: Understanding compromise schemes.
  • Lok Adalats: Role of Lok Adalats in NPA management.
  • Debt Recovery Tribunals: Function of Debt Recovery Tribunals.
  • Corporate Debt Restructuring: Overview of corporate debt restructuring.
  • Willful Defaulters: Managing willful defaulters.
  • SARFAESI Act: Understanding the SARFAESI Act.
  • Asset Reconstruction Companies: Role of asset reconstruction companies.
  • CIBIL: Role of CIBIL in credit information.

Strategic Credit Management III Notes Pdf from VTU

These notes are tailored specifically to the VTU syllabus, ensuring that you have the right information and insights to excel in your Strategic Credit Management III course.

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Benefits of FREE SCM III Handwritten Notes PDF

• Comprehensive Coverage: Covers all essential topics as per the VTU syllabus.
• Accessible: Available in PDF format for easy download and access.
• Detailed Explanations: Each topic is explained in detail for better understanding.
• Free of Cost: All notes are available for free, ensuring no financial burden on students.

Conclusion

The Strategic Credit Management III Notes for VTU students are an invaluable resource for understanding and mastering the concepts of strategic credit management. These notes provide detailed explanations, practical examples, and comprehensive coverage of all topics required by the VTU syllabus. By utilizing these notes, you can effectively prepare for your exams and deepen your understanding of strategic credit management.

FAQs

Q1. Where can I download the Strategic Credit Management III Notes Pdf?
You can download the notes from the provided links for each module or the complete set from Smartzworld.

Q2. How to download the Strategic Credit Management III Notes Pdf?
Simply click on the download links provided for each module or the complete notes.

Q3. How many modules are covered in Strategic Credit Management III Notes Pdf?
The notes cover a total of seven modules.

Q4. Topics Covered in Strategic Credit Management III Notes Pdf?
Topics range from credit management in banks to NPA management.

Q5. Where can I get the complete SCM III Handwritten Notes pdf FREE Download?
The complete set of notes can be downloaded for free from Smartzworld using the provided links.

Q6. How to download SCM III Handwritten Notes pdf?
Click on the specific module links or the complete notes link to download the PDFs.

Q7. How to Download FREE Strategic Credit Management III Notes PDF?
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