Industry Risk Analysis in Lending: Why One Size Does Not Fit All Vinu: Manu, why can’t banks use the same appraisal approach for all industries? Manu: Because each industry has a different risk structure—cash cycle, margins, customer concentration, and volatility vary widely. Vinu: From the start, w...

SME Loan Red Flags: What Every Banker Must Identify Early Vinu: Manu, when an SME loan proposal comes in, what is the first red flag you look for? Manu: Unrealistic growth. If last year’s turnover is ₹2 crore and the proposal shows ₹4 crore next year without capacity expansion, it’s a warning. Vinu:...