How Union Bank Manager explains loan criteria.
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- Опубликовано: 10 авг 2024
- I previously consider that loan is dependent on transaction and civil score. But it is not like this. It depends upon your relation and behaviour which is I think biggest drawback of this system. They prefer to give loan to their relatives and the person who bribe them.Explained in this video
![Loan Against Property - Interest Rate, Eligibility & Documents [Hindi]](http://i.ytimg.com/vi/No85mcX41eg/mqdefault.jpg)
Classic example of Smart Manager and Over-smart customer 👍
Right 😂😂😂
😂😂
Classic 🤩🤩😁
Galat kya h usme... manager shi h
Sahi baat
He is doing his job perfectly. Such a calm and intelligent manager. This customer is the only fool here.
This customer is just waiting for a slip of tongue by BM so that he could make a big issue.
Ha
Thn why he posted on internet??
😂
Rightly said..
Yes
He (Branch manager) is from bihar. Very nice person he is actually. He is paying fees for 10 students till matriculation. He is also a very good financial advisor. 💝
yes sir is very good
@@muktagorai2759 in which branch area ?
Fucking Bihar.... fucking Bihari
Wow ❤️🙏
Tumhe kese pata bhai
Yes this is true. It is not wrong at all. CIBIL score and Salary Slip are all just factors included. The main thing is how much the bank trusts you when it comes to timely payments. This is the main criteria.
Yes income documents, property and cibil score is very important
If he doesn't do this then it will be like Yes Bank.
He is very patient and soft-spoken, itni bakwaas sunn ke bhi itne araam se samjha rahe hain sir, mere pichle wale manager hote toh ab tak ache se bta diye hote 😂😂
Ha gandu to loan deta hoga mallya ko
The branch manager of union bank of India, koproli mumbai, Mr.Ashish Koshta is a very cooperative and communicative person who solves the problem of each person with personal interest.
Ye BM sahab pura criteria sahi bataye he❤
I appreciate bank manager . He seems genuine .
very genuine discussion put forward by the BM. I am a banker too. Documentation comes at a later stage. But its all about trust factor. Appraising the loan isn't easy...
CIBIL matters?
@@pratiksaha8898 yes
yes...alot!!!
@@pratiksaha8898 ghatna...
Easy way to take loan ek account open krwao 15-20 lakh rkho bm apna ghar aakr 1cr ka cc kr dea ga ek se 2 months meh mark my words.
Uss time kuch nahi matter kre ga na he documents na he cibil.
Loan k time sirf bank dekta h party branch k leya ktna bada asset hai.
@@AbhishekThakur-ed6co bhai one score app ka cibil score report kitna kitna accurate he??
Customer is wasting time of Manager and Manager knows this thing...still he answered beautifully against every query. 😁
😂
Customer wants loan....and bank managers are highly corrupted
Intelligence, patience n knowledge.... Salute to Branch Head.
Appreciate this bankers patiance and transparency!
Most important criterias of a good banker.
Good explanation by branch manager, bank needs this type of managers
😂😂
PSU bank's are having plenty of such good even great managers and staffs..private players always try to defame psus by their paid Propaganda.. govt also insebtivising such to use this as excuse for privatization.
@@sumonkguho8325 lol seriously?i guess u never visited a sbi branch.
@@Ninja00007x i have received loan in just three days from SBI..and they were genuinely helpful. People who complain about these bank are the ones who go there thinking that everything will go by there way even if their documents or criterias are not fulfilled.
@@VistaritGYaan ok I will say about my experience,they have advertised gold loan in 5 minutes inside bank,but they take entire day to just evaluate,I asked them to cancel atal yojana scheme they activated without my permission,they dint even respond..
The manager is a grounded man. Blend of traditional & Practical advice.
BM is right and explained very lucidly everything. If BM is satisfied about the genuineness of the person then he proceeds for further process .
Salute to this manager & the video uploader for also showing positive side. 🙏🙏🙏👍👍
The manager explained very well Nothing wrong with it
Every aspect is very nicely explained by branch manager....people's money are in safe hands....👍
Very nicely answered, least expected but very patientally explained
CIBIL and ACCOUNT STATEMENTS will tell you credit-worthiness and how much credit-hungry a customer is..respect you sir.
On this hard times of banking and privatisation, do not try to Defame what is not actually there.
This bank always shows a very humble customer service so far now.
Wow, how beautifully this manager kept his calm and kept on explaining his point...inside, he knew that this customer is just wasting his time and trying poke him in every possible way but this manager has shown great skills of a manager...this man, who is making this video should go to HDFC Bank and make the same video and upload that...he should also ask the HDFC bank manager about how they recover their bad loans😂🤣
how ??
This is half right.. managers are matured enough that they handle all customers with care bcz there behaviour matters the most for customers
@@user-nt3dn4lk9y they sell their property directly 😂😂😂🤣
Lol what else do you expect if you take a loan and don’t repay it?
Manager is right. Nothing wrong about his expaination.
Hats off to the patience shown by BM..
That manager is such a nice person. Patiently he is explaining everything.
Fundamental clear hai manager sahab ka...recovery honi chahiye
Bank internal risk assessment is first priority IN GIVING LOAN
The manager is very patient and tolerant. If someone comes and wastes the time of a banking employee with such discussions, I would not find it a correct approach on the part of the customer.
It's on ethics
SBI
Wo choro.. if customer plans to waste 15 mins of the banker, the banker guy will waste their 45 mins in return 😂😂😂😂
@@ankitasaxena5891 haha... Krna hi chahiye
@@ankitasaxena5891 hamster 🐹 kaha Mila apko 🥺🥺
This type of customer is ruining banker's mental peace. I am a banker and this type of videos were made to defame me but failed as I was stuck on my points.
Public sector banks are a drain on the economy. You should know that.
@@fangdog29 and this drain is created to serve those DBT customers and worst govt schemes. Tell your HDFC and axis to implement those schemes and they also will become sewage.
@@bankingfacts2281 You're a banker or a manager like this?... I heard banker works for big private firms and earn in millions... PO is exam se hi sarkari bank mai bante hai manager...
Very nice explanation by manager he cleared all aspects regarding that customer's needs 👍🏻
An example of a Bank Manager who is very very clear about business .... Very efficient / excellent
Wow I am so impressed with this banker in this day and age everyone is so rude and entitled but this sir was respectful and actually listened to the customer didn't belittle him and gave him suggestions.
Public sector banks deals with public's money and safeguarding that money is the top priority........ good explanation manager sir
If they handled the public money well, there wouldn't have so much NPAs in these PSBs, dummy!
@@thefreethinker6176 the main motive of psbs are public welfare and not just profit making also the npa s are due to big ticket loans which are sanctioned by top management and also due to unsecured loans like mudra etc which psbs are provided due to government instructions
@@thefreethinker6176 most no of NPAs are from sarkari schemes where they are forced to sanction loan.
Plus they can't hire gundas as recovery agent which private does
Manager honesty was checked, and was found truthful by nature.
Best sorted Manager.. customer is just wasting his time.. he explained everything patiently.. hats off to him
Kya mast manager hai.. kya andaz hai... itna bada video pura dekh dala... bs manager ke andar ke chakkar me... Imaandar admi hai... kash mai mil pata
This is a great example that how a public sector bank take good care of public fund.
Very smart manager who clearly explained how getting loan without materialistic thing is tough
This manager sounds like a seasoned banker. Appreciate it👍🏼
Seen for 7 minutes and 20 seconds the manager behaved magnificently.. You cannot force a loan out of an employee.. He is right you may have all the necessary documents but it is upto the branch head or the branch credit team to decide if you will get the loan or not
No you are wrong. Bank have set criteria to objectively assess a loan application. RBI laid guidelines clearly set out every single application have to be objectively assessed
@@skayajahmed3307 Hello, where did you read all this?
First and foremost criteria for giving a loan is to Branch manager has to be satisfied that customer,s profile and proposed unit is economically viable or not . Even the unit may pass all the banks or rbi laid down guidelines.
@@unsung.2770 The Branch Manager attitude is incorrect. The bank have laid down guidelines for Loan Assesment in the form of circular. As a ex-banker myself I prefer to check CIBIL & account statements before asking for KYC/ Annual Report/ITR/GST Return etc... followed by visit to the business location understanding the business & the order book and the end use of fund. It's that simple. Mortgage & Collateral come for loan above 10 lakhs. Any loan below 10 lakh can be covered by primary security like Stock/Machinery/Tools/Hypothecation etc... also CGTMSE Guarantee/any guarantee under central/state govt plan. Keeping one safe from the Accountability part is keep your documentation up to the mark and due diligence in the form of visits/enquiry from neighbour/ Calling up the top 10 debtors/ creditors... Check for risk concentration... Double check financials/Ratios/take up insurance for stocks/ Promoters education level/ Banker's Feedback (If relationship with other Bank). There is no personal bias or subjectivity. All criteria is set down in the circular just to be followed.
Sensible manager. Otherwise i've seen brank managers with loads of attitude that too while provding loan.. he was really polite and explained very well the mandate things
Very good manager, good patience with details explained all about the question
Manager ne shi kha wo ek nazar me admki ko samjh jata hai...wo is aadmi ko v samjh gya hai ki ye kch ugalwane ki kosis kr rha...😅
Unnecessarily customer trying to put own words in bank manager mouth. He is trying to become over smart. He is violence all rule and regulations in bank premises. Not at allowed video graphy in bank premises.
manager sahab ne ekdum sahi tarike se samjhaya👍👍
I didn't expect that from the bank manager, he handled the conversation very well and explained in depth the concepts of underwriting.
When a customer is trying to convince you to disburse the loan then always make sure that it doesn’t goes to NPA...
I remember dhamaal control room scene after seeing manager 😂😂
"Arre jaldi ka kaam toh shaitan ka hota ha, hum insaano ko dhairreiye(patience) rakhna chahiye"
Tactfully handled situation manager sahab..... Very good conversational skill...
Great managerial skills shown by the BM 🤘
Great explanation by branch manager 😇
14:40 wah aarif ji wahh. Matlab kuch bhi kuch bhi. Shuru se aakhiri tak aap yahi saabit karna chah rahe the na. 16:27 Na itr na income proof bas hawa me bakwaas karne aajao bank walo ka time kharab karne. Aur fir kaho bank wale loan nhi kar rhe. Hats off for the patience of the manager
The customer is just killing the valuable time which the branch manager may give it to other customer. The existing one was just there for an opportunity of controversy. However the patience level of BM is highly appreciable.
@Jon Snow his work is to make profit for the banks and figure out there is seem less collections . Which is usually difficult for poor people to repay .
@Jon Snow Sirf cibil score criteria nahi hota hai Bank ko paisa nahi dubana hai theek hai .
I have worked in bank industry and have seen kitna paisa dubta hai jab collection nahi ata hai micro finance companies doin Gaye hai kaye paisa na aney k karan .Toh phir bank assets wagera sabh dekh k loan dega .
@Jon Snow bank paisa kamaney k liye khola hai social service k liye nahi bank ko profit hoga tabhi bank chalega kisi Naukri mai dependence mai loan diya Aur Naukri nahi rahi Toh bank ko nuksan hota hai
@jon snow u know nothing jhon snow. Bhai fairy tale se bahar aaja... Gareebo ko pesa Dene ki baat krra h.. yahi gareeb jo emi due hone p phn p gaali dete h na... Tb tujhe apni gareebi yaad aayegi.... Sorry to say but it happens. Bank is after all like any other organisation is for profit and not for social service.
भाई साहब बैंक मैनेजर ने तो एकदम सही जवाब दिया है आपको नियमानुसार जबकि उसे पता भी नहीं कि वीडियो बन रहा है, लेकिन अपने वीडियो बनाकर बता दिया कि आपकी नजर में खोट थी इसलिए आपने जानबूझकर वीडियो बनाया ताकि मैनेजर को बदनाम कर सको।।।
Brilliant way to answer brilliant way to listen and brilliant way he handle.
Bich mein LIFE INSURANCE karne ka call aa gaya.
Great manager hats off
100% true wording
High quality video ,try to take video at your local police station they will teach you.
Excellent explanation by the bank manager
Smart manager, and honest towards his bank.
Best and important part of the complete discussion 4:05
Good explanation by bank manager ye customer nahi rakhi sawant ka bhai hai jo public stunt chahta hai i salute such bankers 👍👍
Very Impressive..Nicely answered of all question asked.
A real banker . My exp of more than 2 decades and wonderful training under pioneers of finance i was taught the same.
Sabse pehle bank mai jakar chupke se Camara lagakar video lena illegal hai kyunki bank financial dept hai aur waha par kisi bhi prakar ki privacy ko disturb karna illegal hai that's y I'm reporting your video to DFS and local police
Kyunki bank apka personal place nahi hai jaha aap apne khud ki paise kama ne ki liye waha jakar video banaye
Manager explained well and his intentions was good. But the customer tried to defame him.
Wahh sir.. How beautifully you answered this utuber.
Bhut acha samjhaya well done manager saab perfect govt bank manager
The customer was trying to get some point so as to malign the manager's image. They have to answer if some loan goes into NPA. Banking is a tough job with heaps of paper work and computer entries. The manager was very patient and knew his role well
Banker ek nagar me dekh Kar ke sab Jan jata hai😂😂😅😅
Vijay malaya ko bhi aise hi dekha tha
@@ashwingiri1510 😂 ye sahi point hai vijay malaya ka kya?
@@ashwingiri1510 political support tha usko vai
He is to the point. No bakwas. Direct ek baat may puri chij samjha di
Union bank of india great bank
my bank.. my people.. my proudness.. happy unionite
Your video is misleading Arif jee. The Officer is explaining to you that the person's likeability depends upon his financial behaviour and financial character. If a person has clean record, the bank will support.
This guy came with an intention to defame the manager and bank but unfortunately the manager behaved like a true professional. It's a shame bankers face this kind of people on a daily basis whose only job is to harrass hardworking bankers.
Kabhi sbi gaye ho aap
@@gauravverma8070Bhai ye union Bank hai isme SBI kaha se agaya
Ye to wahi baat hogayi ki ap sabko ek tarike se dekh rahe ho
Sabhi Bank Wale aur bank me Kam karne wale insan same nai hote
Apke saath bura experience hua hoga mantu hu iska ye mtlb nai ki sabke saath hua ho..
@@gauravverma8070toh tu mt jaa sbi ..tujhe ksne bola waha jaane ko itni prohlem hai tujhe toh
Abe🤦🏻
The Bank manager is so right in approach.
Branch Manager Sir is perfect and working properly
Awesome explanation by Manager , I respect such Manager...
You are gem of a manager
Great manager sir salute to you.
Best video regarding to loan.. thanks aarif bhai,i am from jabalpur
He is such a nice person ...how polite he are .
Hats off to the bank employees... gadhe ne video bana k kya sabit kiya??
When Munna bhaiya and kallen bhaiya as customer and manager 😂😂😂😂😂😂😂
Great sir, bhot accha btaya aapne customer ko, aise log aate rahte hai
Example of a Good branch Manager and a Good PSU bank having a nice culture.SBI main to etna baat hi nahi kad pata hai customer 😀
I like bank manager...he is so polite n humble ...
Before that branch manager was saying we only see people to whom we are lending... Then collateral, stock and other assets.....
Classic example of a smart manager👍
वाह कितने बढ़िया से समझाया है👌👌
HE TALKS LIKE PANKAJ THRIPATI
A very cooperative and patient banker.
The way he listened and explained 👏.
Respect.
भाई मैनेजर साहब बिल्कुल प्रैक्टिकल आदमी हैं।सही तरीका बताया😅😅😅
Very good BM and best explanation
Very well explain by branch Manager. Customer unnecessary doing all rubbish things
This type of customers are defaming banking system.
He is right 100% people after take loan they dnt even repay the amount
Very good manager all bankers look at this person and taught a lesson form him
Best explanation by a banker
Good explanation
Excellent guidance by bm
Party is of I'll mentality
he is a good man and explained perfectly ❤❤🎉🎉