Nbfcs Project Report
Autor: vivs92 • August 23, 2015 • Research Paper • 7,980 Words (32 Pages) • 1,375 Views
Executive Summary
NBFCs constitute an important branch of finance sector. NBFCs are known as higher risk taking capacity than the banks. NBFCs in India have been complimenting the banks in rendering financial services and over the last few years have also been instrumental in bringing about financial inclusion in the country. NBFCs offer most sorts of banking services, such as loans and credit facilities, private education funding, retirement planning, trading in money market, underwriting shares and stocks, TFCs and other obligations.Based on their liability structure, NBFCs have been divided into two categories (NBFCs-D and NBFCs-ND).
LIST OF TABLES
Sr No. | CONTENT | Page No. |
1 | Comparison between Banks and NBFCs provides for regulatory comparison between banks and NBFCs | 2 |
2 | Assets of NBFC and Banking (SCBs) Sectors as a % to GDP | 5 |
3 | Herfindahl–Hirschman Index | 6 |
LIST OF CHARTS
Sr No. | CONTENT | Page No. |
1 | The NBFI Universe | 4 |
2 | Size of NBFC Sector | 5 |
3 | Balance Sheet Growth – NBFCs vis-à-vis Banks | 15 |
4 | Growth in Credit – NBFCs vis-à-vis Banks | 16 |
4A | Lending to Infrastructure Sector – NBFCs vis-à-vis Banks | 16 |
5 | Trends in Public Deposits | 17 |
6 | Trends in Bank Borrowings by the NBFCs | 18 |
7 | Trends in Market Borrowings by the NBFCs | 18 |
8 | Trends in Return on Assets – NBFCs vis-à-vis Banks | 19 |
9 | Trends in Credit provided by the MFIs | 21 |
10 | Trends in Credit provided by the Gold Loan NBFCs | 21 |
11 | Assets Financing by AFCs | 22 |
12 | Trends in Housing Loan | 23 |
LIST OF ABBREVIATIONS
- DAPL – Dolphin Autowheels Pvt Ltd.
- NBFCs – Non-Banking Finance Companies
- TFCs – Term Financial Certificates
- NBFCs-D – Non-banking Finance Companies accepting public deposits
- NBFCs-ND – Non-Banking Finance Companies not raising public deposits
- NBFCs-ND-SI – Systemically Important Non-Deposit taking NBFCs
- ALM – Assets Liability Management
- CoR – Certificate of Registration
- NOF – Net Owned Fund
- NBFI – Non-Banking Financial Institution
- AFC –Asset Finance Company
- FPC – Fair Practices Code
- KYC – Know Your Customer
- CRAR – Capital to Risk Assets Ratio
- IFCs – Infrastructure Finance Companies
- NPA – Non-Performing Assets
- NBFCs-MFI – Non-Banking Finance Companies-Micro Finance Institutions
- HHI – Herfindahl-Hirschman Index
- TDS – Tax Deducted at Source
- ITR – Income Tax Return
- RBI – Reserve Bank of India
- DBOD – Department of Banking Operations and Development (RBI)
- MSMEs – Ministry of Micro Small and Medium Enterprises
- PSBs – Public Sector Banks
- MFIs – Micro Finance Institutions
- RM – Relationship Manager
Chp.1 Introduction to NBFC
Non-Banking Financial Companies are financial institutions that provide banking services without meeting the legal definition of a bank, i.e. one that does not hold a banking license. These institutions typically are restricted from taking deposits from the public depending on the jurisdiction. Nonetheless, operations of these institutions are often still covered under a country’s banking regulations.
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