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How to Decide Margin Percentage While Sanctioning Bank Credit Facilities
access_time 2025-06-20T09:46:38.083Z face CA N Raja
How to Decide Margin Percentage While Sanctioning Bank Credit Facilities Vinu: Manu, when we sanction credit facilities like Cash Credit or Term Loan, how do we decide what margin percentage to keep? Manu: Good question, Vinu. The margin is the portion the borrower contributes from their own funds. ...
Detecting Fund Diversion Through Cash Credit Account
access_time 2025-06-19T07:08:46.214Z face CA N Raja
Detecting Fund Diversion Through Cash Credit Account: Red Flags & Analytical Tips Vinu: Manu, I was reviewing the cash credit account statement of a borrower, and I got a doubt. Can we find out whether the funds are being diverted for long-term purposes just by analyzing the CC statement? Manu: That...
When Can a Bank Offer Unsecured Working Capital Loan?
access_time 2025-06-18T07:01:48.968Z face CA N Raja
When Can a Bank Offer Unsecured Working Capital Loan? Vinu: Manu, I’ve heard that some companies get working capital loans without offering any security. Is that really possible? Under what criteria can banks give unsecured working capital loans? Manu: Yes, Vinu, it’s possible. But banks are very se...
Capital Infusion: How to Verify If It’s Genuine or Just a Book Entry?
access_time 2025-06-17T07:00:42.665Z face CA N Raja
Capital Infusion: How to Verify If It’s Genuine or Just a Book Entry? Vinu: Manu, I saw in the balance sheet that the company has shown capital infusion during the year. How can we verify whether it's genuine? Manu: Good question, Vinu. The first thing we should do is check the bank statement of the...
Dividend Despite Losses: What Section 123 of the Companies Act Really Allows
access_time 2025-06-14T15:52:12.184Z face CA N Raja
Dividend Despite Losses: What Section 123 of the Companies Act Really Allows Vinu: Manu, I read in BusinessLine that 24 listed companies have proposed dividends in FY25, even though they’ve incurred standalone losses. Is that even legally allowed? I thought dividends can be declared only if the comp...
