Exuberantdsa.com

08/04/2025

Just make your dream possible through "EXUBERANT"

29/09/2021

কিছু নাম আরো থাকলে ভালো হতো।

21/07/2021

রাজ্য সরকারের স্টুডেন্ট ক্রেডিট কার্ডের লোনের কোনো এ্যাপ্লিকেশন এইখানে জমা নেওয়া হয় না।

30/01/2021

https://m.economictimes.com/wealth/personal-finance-news/should-you-take-home-loan-from-public-or-private-sector-bank-economic-survey-has-an-answer/amp_articleshow/80582510.cms

During the period between February 2019 and November 2020, public sector banks have passed on 0.94% as compared to 0.54% passed on by the private sector banks on outstanding loans. During the same period, in case of fresh loans, public sector banks reduced the rates by 1.51% and private sector banks...

01/12/2020

EXUBERANT is offering Sub-DSA for Jalpaiguri, Midnapore, Bonga, Burdwan. Interested persons may contact at

Exuberant DSA deals with Home Loan, Mortgage loan, Commercial loan, Property loan, Business Loan at easy EMI options. For Loan Consultation pls visit ExuberantDSA.com

18/11/2020

In this pandameic situation EXUBERANT is at your doorstep for meeting up the financial need. EMTD/RM of the property is mandatory.

Note:- Please don't request for any unsecured loan as EXUBERANT is not listed with the Banks /NBFC for that except Housing & Mortgage Loans.

For additional clarification please visit at www.exuberantdsa.com

04/10/2020

#এক জাহাজের ইঞ্জিন অন হচ্ছিল না।
জাহাজের মালিক অনেক ইন্জিনিয়ারকে দেখিয়েছেন। কিন্তু কেউ তা ঠিক করতে পারেনি। তাই তিনি ৪০ বছরের অভিজ্ঞতা সম্পন্ন একজন মেকানিক্যাল ইঞ্জিনিয়ার এনেছেন।

তিনি খুব সাবধানে ইন্জিন পরিদর্শন করেন, উপর থেকে নিচে। কিছুক্ষন দেখার পর লোকটি তার ব্যাগ থেকে একটি ছোট হাতুড়ি বের করলো। তিনি হাতুড়ি দিয়ে আলতো করে একটা আঘাত করলেন সাথে সাথে ইন্জিন চালু হয়ে গেল। ৭ দিন পর ইন্জিনিয়ার তার বিল হিসেবে চাইলেন ১০,০০০ ডলার !
জাহাজের মালিক বলল, আপনি তো এখানে তেমন কিছুই করেন নাই। এতো বিল অসলো কেমনে...?
তারপর ইন্জিনিয়ার বললেন হাতুড়ি দিয়ে বারি মারার বিল ২ ডলার কিন্তু কোন জায়গায় মারতে হবে, মানে জায়গা বরাবর মারার জন্য ৯৯৯৮ ডলার।

#শিক্ষাঃ আপনার অর্জিত অভিজ্ঞতাকে কখনো তুচ্ছ মনে করে পাঁচ মিনিটের কাজ ভেবে পাঁচ টাকায় করবেন না। এতে আপনার ডিমান্ড আপনি নিজে কমাচ্ছেন। অভিজ্ঞতা অর্জন করতে আপনাকে কঠোর পরিশ্রম করতে হয়েছে, সেই পরিশ্রমের মুল্য দিতে শিখুন।

21/09/2020

The Reserve Bank had, on August 7, 2020, announced the constitution of an Expert Committee under the chairmanship of Shri K.V. Kamath to make recommendations on the required financial parameters to be factored in the resolution plans under the ‘Resolution Framework for Covid19-related Stress’ along with sector specific benchmark ranges for such parameters.

The Committee has since submitted its report to the Reserve Bank on September 4, 2020 which is being placed on the RBI website. The Committee has recommended financial parameters that, inter alia, include aspects related to leverage, liquidity and debt serviceability. The Committee has recommended financial ratios for 26 sectors which could be factored by lending institutions while finalizing a resolution plan for a borrower.

The recommendations of the Committee have been broadly accepted by the Reserve Bank. Accordingly, a follow up circular to the Resolution Framework guidelines announced in August 6, 2020, has been issued today by the Reserve Bank specifying five specific financial ratios and the sector-specific thresholds for each ratio in respect of 26 sectors to be taken into account while finalising the resolution plans. In respect of other sectors where certain ratios have not been specified, the lenders shall make their own assessment keeping in view the contours of the circular dated August 6, 2020

01/05/2020

This is the right time to reschedule your strategy by uplifting the cash flow for your Business as well as proper end use of the fund consecutively by offering own residential unit as a part of Security Mortgage with minimum documentation.

Both Govt employees (Central / State) as well businessmen are eligible for this offer.

Our team is ready to jump immediately while withdrawal of lock down. But anyone can send the required documents through mail at [email protected] & we are ready to process as much as we can by working from home procedure.

Intending proposer have to send proper scanned documents. List of Documents given below for online process.

Income Documents:-

1) Pay Slips for last 12 months (for Salaried class) & ITR with P/L, B/S (CA Certified mandatory) with Computation for the last 3 years (for business class).

2) Appointment Letter & Form -16 for the last 2 years (for Salaried class)

3) Trade License for the last 3 years (for business class).

4) Bank Statement for the last 12 months to be provided from Internet Banking which is mandate.

5) Insurance Policy with last premium receipt or KVP / NSC.

6) CIBIL Report necessary which is to be purchased by the proposer through online from www.cibil.com.

Property Documents:-

1) Original Deed

2) Link Deed

3) Porcha

4) Update Municipality Tax Receipt.

5) Update Khajna Receipt.

6) Sanction Plan.

Note:- After obtaining all those above documents we shall let you know whether proposer is eligible or not.

For any further any queries you may log on to www.exuberantdsa.com

29/04/2020

There are some very important points given below regarding Criminal Action Against Wilful Defaulters.

Reserve Bank examined, the issues relating to restraining wilful defaults in consultation with the Standing Technical Advisory Committee on Financial Regulation in the context of the following recommendations of the JPC and in particular, on the need for initiating criminal action against concerned borrowers, viz.

a. It is essential that offenses of breach of trust or cheating construed to have been committed in the case of loans should be clearly defined under the existing statutes governing the banks, providing for criminal action in all cases where the borrowers divert the funds with malafide intentions.

b. It is essential that banks closely monitor the end-use of funds and obtain certificates from the borrowers certifying that the funds have been used for the purpose for which these were obtained.

c. Wrong certification should attract criminal action against the borrower.

It is essential to recognize that there is scope even under the existing legislation to initiate criminal action against wilful defaulters depending upon the facts and circumstances of the case under the provisions of Sections 403 and 415 of the Indian Penal Code (IPC) 1860. Banks / FIs are, therefore, advised to seriously and promptly consider initiating criminal action against wilful defaulters or wrong certification by borrowers, wherever considered necessary, based on the facts and circumstances of each case under the above provisions of the IPC to comply with RBI's instructions and the recommendations of JPC.

It should also be ensured that the penal provisions are used effectively and determinedly but after careful consideration and due caution. Towards this end, Banks / FIs are advised to put in place a transparent mechanism, with the approval of their Board, for initiating criminal proceedings based on the facts of individual case.

07/04/2020

This is for the customers attached with Magma.

27/03/2020

https://youtu.be/uyyX4z3wAR4

করোনার জেরে ৩ মাস ইএমআই স্থগিতের অনুমতি আরবিআই-এর