How to measure Debt Repayment Capacity in the case of Term loans? Term loans are long tenure loans given for a period of 3 - 8 years for putting up a project. Project may be - Putting up a factory - Construction of a building - Purchase of Plant and machinery etc. These projects are focused on - Inc...

What is Loan Moratorium? Loan Moratorium is legal permission given for the deferment of a loan. This Moratorium can be given at two stages:- 1) At the time of sanction of loan, considering the project implementation period. 2) when the borrower approaches the bank for deferring the payment due to fi...

What is cash credit? How it is different from Overdraft? Cash credit is short term working capital loan facility given by banks to Business entities to manage their working capital. It is a highly regulated credit facility and the borrower has to submit a stock statement at periodical intervals to d...

Manu & Vinu Talking about Unauthorised Digital Lending Platform Vinu Hi Manu! Look at this! I received an offer for a Loan by this Digital Lending Mobile App. I am going to share my details & get this easy loan! Manu Hey Vinu! Wait! Don’t fall prey for this! It can be an unauthorised app! Vinu What?...

In banking you will come across customers who are undertaking construction contracts. While these contractors receive payment from their employers certain percentage of payment will be retained and generally it will not exceed ten percentage that retained portion is called as retention money but pro...