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How to Assess Working Capital Needs Using Only GST Returns
access_time 2025-07-04T10:39:08.882Z face CA N Raja
How to Assess Working Capital Needs Using Only GST Returns: A Practical Guide for MSME Lending Vinu: Manu, in many small business loan proposals, audited financials aren't available. Can we assess working capital just using GST returns? Manu: Definitely, Vinu. GST returns, especially GSTR-1 and GSTR...
How to Verify Capital Infusion Before the Balance Sheet is Ready: A Banker’s Checklist
access_time 2025-07-02T07:31:21.404Z face CA N Raja
How to Verify Capital Infusion Before the Balance Sheet is Ready: A Banker’s Checklist Vinu: Hi Manu. We had stipulated a condition to one of our corporate borrowers to infuse additional capital. We gave them three months for compliance. Now they’ve submitted a letter saying that capital has been in...
Auditing Cash Credit Accounts
access_time 2025-06-30T05:59:25.572Z face CA N Raja
Auditing Cash Credit AccountsHow Bank Auditors Can Detect Fund Diversion in Cash Credit Accounts Vinu: Manu sir, as a bank auditor, I’ve been hearing that there’s increasing accountability on auditors now—especially when it comes to identifying fund diversion in cash credit accounts. Can you please ...
Working Capital Gap vs. Net Working Capital
access_time 2025-06-26T12:22:52.147Z face CA N Raja
Working Capital Gap vs. Net Working Capital: Understanding Bank Finance Under the 2nd Method of Lending Vinu: Hi Manu. I’m reviewing a working capital proposal, and I often hear about Net Working Capital and Working Capital Gap. I also know that banks sometimes ask the borrower to bring in margin ba...
Can Non-Financed Machinery Be Used as Collateral
access_time 2025-06-26T11:50:04.264Z face CA N Raja
Can Non-Financed Machinery Be Used as Collateral? Vinu & Manu Explain Vinu: Manu, I have a doubt. Suppose a borrower has plant and machinery in their factory, but the bank has not funded the purchase of that machinery. Can the bank still classify it as collateral security? Manu: That's a good questi...
