Term Loan Appraisal Mistakes: Why Good Projects Turn into Bad Loans Vinu: Manu, while appraising term loan projects, where do bankers usually go wrong? Manu: The first mistake is trusting the project cost and estimates blindly, without validating quotations, capacity and market reality. Vinu: Can yo...
Latest Development on Essential Commodities Act & LPG Supply Crisis Vinu: Manu, I read an article in Business Line dated March 12, 2026 titled “What is Essential Commodities Act, why has it been invoked for LPG supply?” What is this issue about? Manu: Vinu, this article explains why the Government o...
Profit Is Not Cash: A Simple Reality Check for Entrepreneurs Vinu: Manu, my business shows a profit of ₹12 lakh, but I’m constantly short of cash. How is that possible? Manu: This is one of the most common entrepreneur problems, Vinu. Profit is accounting-based, cash is reality-based. They rarely mo...
Financial Statements for Entrepreneurs: Read Less Accounting, Get More Business Clarity Vinu: Manu, I’m not from an accounting background. Financial statements look intimidating. Where should an entrepreneur even start? Manu: Start with intent, not accounting, Vinu. Ask one simple question: Is my bu...
Practical Operating Budgeting for Finance Leaders – A Step-by-Step Guide Vinu: Manu, many budgets look perfect on paper but fail in execution. What makes an operating budget practical? Manu: A practical budget is realistic, Vinu. It reflects actual business capacity, past performance, and cash const...