Scheduled Banks in India constitute those banks which have been included in the Second Schedule of Reserve Bank of India(RBI) Act, 1934. RBI in turn includes only those banks in this schedule which satisfy the criteria laid down vide section 42 (6) (a) of the Act. https://indianmoney.com/articles/list-of-scheduled-banks-in-india
Banks not under this Schedule are called non-scheduled banks. Scheduled banks are usually private, foreign and nationalised banks operating in India. However, cooperative banks are allowed to seek scheduled bank status if they satisfy certain criteria.A scheduled bank is eligible for loans from the Reserve Bank of India at bank rate. They are also given membership to clearing houses.
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https://indianmoney.com/articles/types-of-cheques
A cheque is an negotiable instrument. Section 6, of Negotiable Instrument Act 1881 defines a cheque as - A cheque is a bill of exchange drawn on a specified banker and not expressed to be payable otherwise than on demand and it includes the electronic image of a truncated cheque and a cheque in the electronic form"
In common parlance, the account holder draws a cheque favouring somebody or self with instruction to his bank (where he maintains an account) to pay when cheque is presented for payment
There are different types of cheques
Bearer cheque
Order cheque
Open cheque
Crossed cheque
Mutilated cheque
Stale cheque
Post dated cheque
A merchant banking is a financial institution that privides capital to companies in the form of share ownership in stead of Loans. Companies raise capital by issuing securities in the market. Merchant bankers act as intermediaries between tge issuers of capital and the ultimate investors who purchase these securities.
It is a function that facilitates the flow of capital in the market. They are not directly engaged in financial activities but bring together the parties who requires funds and the parties who want to invest funds. These banks are different from Commercial banks, as these banks do not provide usual banking services like deposits and transfer of funds and public lending.
Most investors want to make investments in such a way that they get sky-high returns as fast as possible without the risk of losing the principal amount. And this is the reason why many investors are always on the lookout for top investment plans where they can double their money in few months or years with little or no risk.
However, it is a fact that investment products that give high returns with low risk do not exist. In reality, risk and returns are inversely related, i.e., higher the returns, higher is the risk, and vice versa.
Credit appraisal is assessing the credit worthiness or repayment capacity of a prospective borrower with major focus on his/her’s ability and his intention to pay back his loan. https://indianmoney.com/articles/what-is-credit-appraisal
The assessment of the various risks that can impact on the repayment of loan is credit appraisal. In short, you are determining "Will I get my money back?". Depending on the purpose of loan and the quantum,the appraisal process may be simple or elaborate. For small personal loans, credit scoring based on income, life style and existing liabilities may suffice. But for project financing, the process comprises technical , commercial, marketing, financial , managerial appraisals as also implementation schedule and ability.
Many people put off investing because they think you need a lot of money - thousands of dollars! - to start investing. This just isn’t true.You can start investing for as little as Rs 500 per month.
The key to building wealth is developing good habits -like regularly putting money away every month. If you make investing a habit now, you’ll be in a much stronger financial position down the road.
I am assuming you need historical data for equities. These tools will fetch you the historical data for all the companies listed on NSE/BSE.
The growth of the equity market in India has been phenomenal in the present decade. Right from early nineties, the stock market witnessed heightened activity in terms of various bull and bear runs. In the late nineties, the...
