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How Changes in Interest Rates Affect Borrower Repayment Capacity
access_time 1786379400000 face CA N Raja
How Changes in Interest Rates Affect Borrower Repayment Capacity Vinu: Manu, whenever the RBI changes interest rates, bankers immediately start discussing its impact on borrowers. Why is it such a big concern? Manu: Because a change in interest rates directly affects the borrower's loan repayment ob...
Evergreening of Loans: Detection Techniques and Warning Signals
access_time 1786293000000 face CA N Raja
Evergreening of Loans: Detection Techniques and Warning Signals Vinu: Manu, while reviewing loan accounts, how do bankers identify whether a loan is being evergreened? Manu: Evergreening happens when fresh funds are used—directly or indirectly—to repay an existing loan, making the account appear reg...
Forensic Review of Borrower Financials: What Bankers Should Look For
access_time 1786206600000 face CA N Raja
Forensic Review of Borrower Financials: What Bankers Should Look For Vinu: During credit appraisal, we hear the term "forensic review" quite often. What does it actually mean? Manu: A forensic review is a deeper examination of a borrower's financial statements and business records to identify incons...
Understanding the CGTMSE Scheme – From Loan Appraisal to Claim Settlement
access_time 2026-06-28T06:03:36.804Z face CA N Raja
Understanding the CGTMSE Scheme – From Loan Appraisal to Claim Settlement Vinu: We receive quite a few MSME loan proposals under CGTMSE. What exactly is the purpose of this scheme? Manu: CGTMSE enables banks to provide collateral-free credit to eligible MSMEs by offering a credit guarantee against e...
How Bankers Evaluate Promoters Before Approving a Loan
access_time 1782923400000 face CA N Raja
The Role of Security and Collateral in Credit Decisions Vinu: Manu, while appraising loan proposals, I often hear senior officers saying that lending is ultimately lending to the promoter. Why is so much importance given to the person behind the business? Manu: Because businesses are run by people, ...
