This is the first book which is updated to 15.09.2023 for bankers and Lenders on Monitoring of Credit & Recovery of Bank Loan in a very simple language covering various problems being faced by the officers of almost all the banks resulting in a deficiency in due diligence. Mounting of NPAs in the banks is reported to be a result of weak appraisal and weak monitoring at various levels resulting in suffering huge losses by the lending institutions. The monitoring starts from day one when the proposal is received at the branch level for sanction to the date of closure of the account. This book has covered all such ins and outs to understand the technique for monitoring of all types of borrowal accounts at various stages including stages of pre-sanction, documentation, disbursal, operation, renewal, enhancement, SMA, RFA, NPA, and Recovery through Lok Adalat, SERFAESI, DRT, Settlement/Compromise & IBC. We are confident that this book will prove to be a bible for all Loan Officers/Senior Officials working in banks, NBFCs, or other lending institutions.
This is the first book for bankers and finance managers on credit appraisal with analysis of financial statements in very simple language coveringvarious problems being faced by the officers of almost all banks specificallyafter introduction of Company Act 2013. The book has been updated to30.06.2017. Mounting NPAs & disciplinary actions in the banks are reportedto be a result of weak appraisal. This book has covered all such aspects tounderstand logically with all ins and outs of appraisal along with financialstatements. It will prove to be a bible for all officers who are working in banksbut have no background of banking terminologies and its technical aspectswith logical understanding besides finance officers.
The overwhelming support from readers, this is the 3rd edition of the book which has been updated to 31.05.2019. Various banking authorities on credit, Entrepreneurs, Education Institutions have appreciated the language and contents of working capital in simple language covering various problems being faced by the officers joining the banks for the last two decade. This book is very convenient and understandable logically with all the ins & outs of the working capital management and its finance. It will prove to be a bible for all the officers who are working in the banks including the students of MBA (Finance) & entrepreneurs but have no background of financial terminology and its technical aspects with logical understanding.
This volume focuses on the religious shrine in western India as an institution of cultural integration in the period spanning 200 BCE to 800 CE. It presents an analysis of religious architecture at multiple levels, both temporal and spatial, and distinguishes it as a ritual instrument that integrates individuals and communities into a cultural fabric. The work shows how these structures emphasise on communication with a host of audiences such as the lay worshipper, the ritual specialist, the royalty and the elite as well as the artisan and the sculptor. It also examines religious imagery, inscriptions, traditional lore and Sanskrit literature. The book will be of special interest to researchers and scholars of ancient Indian history, Hinduism, religious studies, architecture and South Asian studies.
This volume focuses on the religious shrine in western India as an institution of cultural integration in the period spanning 200 BCE to 800 CE. It presents an analysis of religious architecture at multiple levels, both temporal and spatial, and distinguishes it as a ritual instrument that integrates individuals and communities into a cultural fabric. The work shows how these structures emphasise on communication with a host of audiences such as the lay worshipper, the ritual specialist, the royalty and the elite as well as the artisan and the sculptor. It also examines religious imagery, inscriptions, traditional lore and Sanskrit literature. The book will be of special interest to researchers and scholars of ancient Indian history, Hinduism, religious studies, architecture and South Asian studies.
The Return of the Buddha traces the development of Buddhist archaeology in colonial India, examines its impact on the reconstruction of India’s Buddhist past, and the making of a public and academic discourse around these archaeological discoveries. The book discusses the role of the state and modern Buddhist institutions in the reconstitution of national heritage through promulgation of laws for the protection of Buddhist monuments, acquiring of land around the sites, restoration of edifices, and organization of the display and dissemination of relics. It also highlights the engagement of prominent Indian figures, such as Nehru, Gandhi, Ambedkar, and Tagore, with Buddhist themes in their writings. Stressing upon the lasting legacy of Buddhism in independent India, the author explores the use of Buddhist symbols and imagery in nation-building and the making of the constitution, as also the recent efforts to resurrect Buddhist centers of learning such as Nalanda. With rich archival sources, the book will immensely interest scholars, researchers and students of modern Indian history, culture, archaeology, Buddhist studies, and heritage management.
Prior to European expansion, communities of the Indian subcontinent had a strong maritime orientation. In this new archaeological study, Himanshu Prabha Ray explores seafaring activity, religious travel and political economy in this ancient period. By using archaeological data from the Red Sea to the Indonesian archipelago, she reveals how the early history of peninsular South Asia is interconnected with that of its Asian and Mediterranean partners in the Indian Ocean Region. The book departs from traditional studies, focusing on the communities maritime history rather than agrarian expansion and the emergence of the state. Rather than being a prime mover in social, economic and religious change, the state is viewed as just one participant in a complex interplay of social actors, including merchants, guilds, boat-builders, sailors, pilgrims, religious clergy and craft-producers. A study that will be welcomed by students of Archaeology and Ancient History, particularly those interested in South Asian Studies.
Institutions are norms that undergird organizations and are reflected in laws and practices. Over time, institutions take root and persist as they are path dependent and thus change resistant. Therefore, it is puzzling when institutions change. One such puzzle has been the enactment of the Right to Information (RTI) Act in India in 2005, which brought about institutional change by transforming the 'information regime'. Why did the government upend the norm of secrecy, which had historically been entrenched within the Indian State? This book uses archival material, internal government documents, and interviews to understand the why and how of institutional change. It demonstrates that the institutional change resulted from 'ideas' emerging gradually and incrementally, leading to a 'tipping point'. About the IDSA Series: This series interrogates the interplay between globalization, the state, and social forces in the making and un-making of institutions in South Asia. Why do institutions persist and change? Do we need to transcend materialism and dwell in ideas and culture as well to understand why institutions perform and fail? The first book in the Institutions and Development in South Asia series, this volume studies the historical institutionalism in the information regime in India by presenting an alternative narrative about the evolution of the RTI Act.
This book breaks new ground by examining trans-oceanic connectivity through the perspective of coastal shrines and maritime cultural landscapes across the Bay of Bengal and the South China Sea. It covers a period of expanding networks and cross-cultural encounters from the 3rd century BCE to the 13th century CE. The book examines the distinctiveness of these shrines, and highlights their interconnections, and their role in social integration in South and Southeast Asia. By drawing on data from shipwreck sites, the author elaborates on the material and religious intersections and transmissions between cultures across the seas. Many of these coastal shrines survived into the colonial period when they came to be admired for their aesthetic value as ‘monuments’. As nation states of the region became independent, these shrines were often inscribed on UNESCO’s World Heritage List on account of their Outstanding Universal Values. The book argues that in the 21st century there is a need to promote the cultural connectivity of the past as transnational heritage on UNESCO’s global platform to preserve and protect our shared heritage. The volume will be essential reading for academics and researchers of archaeology, anthropology, museum and heritage studies, history of South and Southeast Asia, religious studies, cultural studies, and Asian studies.
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