Book Description

This book on BANKS, NON-BANKING FINANCIAL COMPANIES, CIBIL AND PERSONAL LOAN CONCEPTS AND TECHNIQUES has come out of experience in the field of banking, non-banking financial companies with their financial products and my interaction with several baking officials and non-banking companies' officials. One of my ambitions in life is to publish a quality book on bank, non-banking financial companies and banking product. This is a wonderful subject and the basic objective kept in mind while preparing this book was to present the subject matter in a very simple and lucid language. As part of simplification effort, throughout the text many examples have been given to make the understanding easy. The distinguishing feature of this book is that the subject matter has been introduced in a gradual manner. This will be more useful to the students, researchers and readers for understanding easy the subject matter in depth. I hope that, this book will be highly useful to the student of Commerce and Management, teachers and business community. This book provides strong conceptual framework for the study and understanding of the various aspects of business needs. First and foremost, I thank Lord Siva for his unending showers of blessings on me to scale the task of completing my book. I wish to express my heartfelt gratitude to the former president of India, Late Dr.A.P.J.Abdul Kalam, for his great quotes, which are uplift us To succeed in your mission, you must have single-minded devotion to your goal and “Excellence is a continuous process and not an accident” I am grateful to the Management of Bajaj Finance Limited for their encouragement always in the field of learning and development. I would like to express my sincere thanks to Prof. Dr.P.P.Chellathurai, M.A., Ph.D., M.B.A., Ph.D., Vice Chancellor, Madurai Kamaraj University for his inspirational speech of developing educational and research field. I extend my thanks to Dr.V.Chinniah, M.B.A., M.Com., M.Phil., B.L., Ph.D., Registrar, cum Professor & Head, Department of Commerce Madurai Kamaraj University and Dr.O.Ravi, M.Sc., M.Phil, Ph.D., Controller of Examination, Madurai Kamaraj University for their contribution in education and research field. I pause for a moment to express my thanks to Dr.G.Ganesan, Ph.D., Former P r o f e s s o r a n d H e a d , D r. M . S u m a t h y, P h . D . , P r o f e s s o r a n d H e a d , Dr.M.Dhanabhakyam, Ph.D., Associate Professor, Dr.P.Chellasamy, Ph.D., Associate Professor and all the Assistant Professors, School of Commerce, Bharathiar University for their guidance. Also my thanks to Mr.R.Rajkumar and Mr.B.Vinoth, Non-teaching staff, School of Commerce, Bharathiar University for their support. 5 I pause for a moment to express my thanks to Dr.G.Raju, Ph.D., Professor, Department of Commerce, University of Kerala for his very valuable guidance. My gratitude extends to Dr.S.Rajasekhar, Ph.D., Principal, Kongu College of Arts and Science, Karur, who was my Research Supervisor during my M.Phil. for his support. My special thanks to Dr.A.R.Saravanakumar, Ph.D., Assistant Professor, Department of Education, DDE, Alagappa University for his contribution to the researchers by way of great guidance. I am grateful to my friend Dr.S.Senthilkumar, Ph.D., for his encouragement in this book publication work. I wish to express my heartfelt thanks to my friend Mr.R.Jayakumar, Kovai Data, Coimbatore for his various support. I extend my whole hearted thanks to everyone those who supported me to complete this book. I express my sincere thanks to SARA BOOK PUBLICATION, Ahmedabad, Gujarat for accepting this book for the publication. Finally, I thank Mrs.M.Saroja, my mother, Mrs.K.Vanitha, my wife, S.V.Subhaschandrabose, my son and all my family members for their extraordinary patience, support and love.