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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Banking issues</title>
	<atom:link href="http://blog.apnapaisa.com/category/grievances/banking-issues/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 30 Aug 2010 12:12:00 +0000</pubDate>
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	<language>en</language>
			<item>
		<title>Picking up the pieces – slowly but surely!</title>
		<link>http://blog.apnapaisa.com/2010/08/11/picking-up-the-pieces-%e2%80%93-slowly-but-surely/</link>
		<comments>http://blog.apnapaisa.com/2010/08/11/picking-up-the-pieces-%e2%80%93-slowly-but-surely/#comments</comments>
		<pubDate>Wed, 11 Aug 2010 11:42:42 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[home loan issues]]></category>

		<category><![CDATA[abhay credit counseling]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[cibil process]]></category>

		<category><![CDATA[cibil report]]></category>

		<category><![CDATA[cibil score]]></category>

		<category><![CDATA[defaulter]]></category>

		<category><![CDATA[disha trust]]></category>

		<category><![CDATA[foreclosure]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[loan against securities]]></category>

		<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://blog.apnapaisa.com/?p=2080</guid>
		<description><![CDATA[An old colleague called me up after reading one of my articles. We spent some time reminiscing about the old times and the people we had worked with before he came to the real reason he had called me. I knew he had lost his job in 2009 and his divorce had also put a [...]]]></description>
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		</item>
		<item>
		<title>Is India a single country?</title>
		<link>http://blog.apnapaisa.com/2010/05/31/is-india-a-single-country/</link>
		<comments>http://blog.apnapaisa.com/2010/05/31/is-india-a-single-country/#comments</comments>
		<pubDate>Mon, 31 May 2010 10:45:24 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[home loan issues]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[HDFC]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan eligibility]]></category>

		<category><![CDATA[ICICI]]></category>

		<category><![CDATA[Mumbai]]></category>

		<category><![CDATA[private sector bank]]></category>

		<category><![CDATA[property]]></category>

		<category><![CDATA[SBI]]></category>

		<guid isPermaLink="false">http://blog.apnapaisa.com/?p=2019</guid>
		<description><![CDATA[And No, this question is not asked in the political context with our Northeastern borders racked by chronic insurgency and of course the unrest in J &#38; K. 

It is not even in the context of a common single market where many foreign direct investors will testify that this is not just a rhetorical question. [...]]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2010/05/31/is-india-a-single-country/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The teaser loan race is not yet over</title>
		<link>http://blog.apnapaisa.com/2010/04/23/the-teaser-loan-race-is-not-yet-over/</link>
		<comments>http://blog.apnapaisa.com/2010/04/23/the-teaser-loan-race-is-not-yet-over/#comments</comments>
		<pubDate>Fri, 23 Apr 2010 10:23:54 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Teaser loans]]></category>

		<category><![CDATA[bank of rajasthan]]></category>

		<category><![CDATA[Base Rate]]></category>

		<category><![CDATA[BPLR]]></category>

		<category><![CDATA[fixed interest]]></category>

		<category><![CDATA[floating interest]]></category>

		<category><![CDATA[HDFC]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[ICICI]]></category>

		<category><![CDATA[LIC Housing Finance]]></category>

		<category><![CDATA[RBI]]></category>

		<category><![CDATA[repo rates]]></category>

		<category><![CDATA[SBI]]></category>

		<category><![CDATA[Teaser loan]]></category>

		<guid isPermaLink="false">http://blog.apnapaisa.com/?p=2014</guid>
		<description><![CDATA[The regulator does not like them.  The consumers cannot seem to have enough of them. Yes I am talking of the teaser rate home loans that have become so popular in 2009. Whilst most of the banks had withdrawn these schemes in the first quarter of this year, India’s largest bank State Bank of [...]]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2010/04/23/the-teaser-loan-race-is-not-yet-over/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Why some regulations are more important than others?</title>
		<link>http://blog.apnapaisa.com/2009/09/15/why-some-regulations-are-more-important-than-others/</link>
		<comments>http://blog.apnapaisa.com/2009/09/15/why-some-regulations-are-more-important-than-others/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 14:58:44 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[Secured loans]]></category>

		<category><![CDATA[home loan issues]]></category>

		<category><![CDATA[becnhmark rate]]></category>

		<category><![CDATA[external benchmark rate]]></category>

		<category><![CDATA[floating rate]]></category>

		<category><![CDATA[ombudsman]]></category>

		<category><![CDATA[RBI]]></category>

		<category><![CDATA[reference rate]]></category>

		<category><![CDATA[regulations]]></category>

		<category><![CDATA[transparency]]></category>

		<guid isPermaLink="false">http://blog.apnapaisa.com/?p=1690</guid>
		<description><![CDATA[“In order to ensure transparency, banks should use only external or market-based rupee benchmark interest rates for pricing of their floating rate loan products. The methodology of computing the floating rates should be objective, transparent and mutually acceptable to counter parties. Banks should not offer floating rate loans linked to their own internal benchmarks or [...]]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2009/09/15/why-some-regulations-are-more-important-than-others/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Get your own credit report from cibil</title>
		<link>http://blog.apnapaisa.com/2009/08/30/get-your-own-credit-report-from-cibil/</link>
		<comments>http://blog.apnapaisa.com/2009/08/30/get-your-own-credit-report-from-cibil/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 11:55:21 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Car Loans]]></category>

		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Education Loans]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loan Against Property]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[Personal Loans]]></category>

		<category><![CDATA[Reverse Mortgage]]></category>

		<category><![CDATA[Secured loans]]></category>

		<category><![CDATA[Teaser loans]]></category>

		<category><![CDATA[auto loan issues]]></category>

		<category><![CDATA[home loan issues]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credit report]]></category>

		<category><![CDATA[disputed outstandings]]></category>

		<guid isPermaLink="false">http://blog.apnapaisa.com/?p=1671</guid>
		<description><![CDATA[A momentous moment in India’s retail lending history has just been ushered in very quietly. A few days ago Credit Information Bureau of India Limited (CIBIL), which is currently the only fully operational credit bureau in India, quietly introduced a manual system to provide consumers with their own credit history on a test basis. In [...]]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2009/08/30/get-your-own-credit-report-from-cibil/feed/</wfw:commentRss>
		</item>
		<item>
		<title>CIBIL - is it anti-consumer ?</title>
		<link>http://blog.apnapaisa.com/2009/06/23/cibil-is-it-anti-consumer/</link>
		<comments>http://blog.apnapaisa.com/2009/06/23/cibil-is-it-anti-consumer/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 15:07:33 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[auto loan issues]]></category>

		<category><![CDATA[home loan issues]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[consumer]]></category>

		<category><![CDATA[credit]]></category>

		<category><![CDATA[education]]></category>

		<category><![CDATA[government]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Mumbai]]></category>

		<category><![CDATA[NBFC]]></category>

		<category><![CDATA[PSU]]></category>

		<category><![CDATA[retail]]></category>

		<guid isPermaLink="false">http://blog.apnapaisa.com/?p=1486</guid>
		<description><![CDATA[Just participated on a hour long TV show on a popular hindi business channel devoted entirely to CIBIL. The panel of experts included a retired PSU bank chief and a well known politician cum consumer activist from Mumbai. The anchor and the political panelist panned CIBIL for accepting any data that the banks/NBFCs provided to them (CIBIL) and branding [...]]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2009/06/23/cibil-is-it-anti-consumer/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Balance transfer&#8230;.caught in the net</title>
		<link>http://blog.apnapaisa.com/2009/05/12/balance-transfercaught-in-the-net/</link>
		<comments>http://blog.apnapaisa.com/2009/05/12/balance-transfercaught-in-the-net/#comments</comments>
		<pubDate>Tue, 12 May 2009 10:11:25 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[balance transfer]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[Indian bank]]></category>

		<category><![CDATA[interest rate]]></category>

		<category><![CDATA[prepayment penalty]]></category>

		<category><![CDATA[Reliance Capital]]></category>

		<category><![CDATA[returning the un-cashed draft]]></category>

		<category><![CDATA[top-up loan]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1330</guid>
		<description><![CDATA[I had applied at Reliance Capital, New Delhi, for a Home Loan Balance Transfer (Rs. 50 lakhs) PLUS a term loan top-up of Rs. 70 lakhs.]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2009/05/12/balance-transfercaught-in-the-net/feed/</wfw:commentRss>
		</item>
		<item>
		<title>In EMIs, why is the principal less than the interest paid?</title>
		<link>http://blog.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/</link>
		<comments>http://blog.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:03:36 +0000</pubDate>
		<dc:creator>Raima Bhula</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[principal]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=993</guid>
		<description><![CDATA[I had taken a home loan from ICICI Bank in December 2007 at the rate of 9.25%, for 228 months. In April 2008, interest rate changed to 10.75% which again changed to 11.75% in May 2008.]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/feed/</wfw:commentRss>
		</item>
		<item>
		<title>You don&#8217;t have to avoid recovery agents</title>
		<link>http://blog.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/</link>
		<comments>http://blog.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 14:17:59 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[Code of Bank's Commitment to Customers]]></category>

		<category><![CDATA[debt collection]]></category>

		<category><![CDATA[debt recovery]]></category>

		<category><![CDATA[debtor]]></category>

		<category><![CDATA[defaulter]]></category>

		<category><![CDATA[RBI guidelines]]></category>

		<category><![CDATA[recovery agents]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=559</guid>
		<description><![CDATA[If a recovery agent knocks at your door you don't have to hide in your house or avoid them by asking one of your family members to speak to them. They cannot harm you or force you to pay the outstanding at all. ]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Loan Recovery: It&#8217;s a bitter experience</title>
		<link>http://blog.apnapaisa.com/2008/10/04/loan-recovery-its-a-bitter-experience/</link>
		<comments>http://blog.apnapaisa.com/2008/10/04/loan-recovery-its-a-bitter-experience/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 15:23:20 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[defaulter]]></category>

		<category><![CDATA[defaulters]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[loan defaulter]]></category>

		<category><![CDATA[loan defaulters]]></category>

		<category><![CDATA[recovery agents]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=603</guid>
		<description><![CDATA[For some of us, who have seen the recently released movie EMI, newspaper reports about recovery agents may seem to be some sort of a controversy set to malign the profession and the banks involved.]]></description>
		<wfw:commentRss>http://blog.apnapaisa.com/2008/10/04/loan-recovery-its-a-bitter-experience/feed/</wfw:commentRss>
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