ROI Explained Practically: Are Your Investments Truly Creating Value? Vinu: Manu, when businesses invest money, how do finance executives check whether it’s actually worth it? Manu: By measuring Return on Investment (ROI), Vinu. It tells you how much return you’re earning for every rupee invested. V...
Financial Projections: Why Forecasts Fail and How to Build Them Right Vinu: Manu, financial projections often look perfect, but reality turns out very different. Why do forecasts fail? Manu: Because they are built on assumptions, not realities, Vinu. Most projections are overly optimistic on revenue...
Capital Budgeting Decisions: NPV, IRR, and Payback Explained Practically Vinu: Manu, when a company plans a major investment, how should finance executives evaluate it? Manu: Through capital budgeting, Vinu. The goal is simple—invest ₹1 today only if it creates more than ₹1 in value tomorrow. Vinu: ...
Fraud Detection in Loan Accounts: Red Flags Every Banker Must Watch Vinu: Manu, in real lending scenarios, where do fraud risks usually begin? Manu: At the appraisal stage itself—when data is accepted without verification. Fraud rarely starts later; it is often missed early. Vinu: What is the first ...
Working Capital Management Made Simple for Business Owners Vinu: Manu, I keep hearing the term working capital. What does it actually mean in simple terms? Manu: It’s the money required to run your day-to-day business—to pay suppliers, hold inventory, and manage customer credit. Vinu: So how do I ca...