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Non-Fund Based Limits (LC & BG): Hidden Credit Risks Bankers Often Miss
access_time 1776961800000 face CA N Raja
Non-Fund Based Limits (LC & BG): The Hidden Credit Risks Bankers Must Watch Vinu: Manu, non-fund based limits like LC and BG don’t involve immediate cash outflow. Why are they still risky? Manu: Because they can convert into fund-based exposure anytime. Once an LC devolves or a BG is invoked, the ba...
Consortium and Multiple Banking: Risks Every Banker Should Be Aware Of
access_time 1776875400000 face CA N Raja
Consortium Lending Explained: Control vs Coordination Challenges Vinu: Manu, what is the basic difference between consortium and multiple banking? Manu: In a consortium, banks lend jointly with shared information and a lead bank. In multiple banking, different banks lend independently without full c...
Why Sales Growth Alone Does Not Guarantee Business Success
access_time 1776529800000 face CA N Raja
Sales Growth vs Profitability: The Reality Every Entrepreneur Must Know Vinu: Manu, my sales have grown from ₹25 lakh to ₹40 lakh this year. That means my business is doing well, right? Manu: Not necessarily, Vinu. Sales growth is good—but it doesn’t guarantee profitability or survival. Vinu: How is...
Variance Analysis: How to Identify and Control Budget Deviations
access_time 1776443400000 face CA N Raja
Variance Analysis: How to Identify and Control Budget Deviations Vinu: Manu, budgets are prepared every year, but where does variance analysis fit in? Manu: Variance analysis is the control mechanism, Vinu. It compares budgeted vs actual performance and highlights where things are going off track. V...
How to Analyze GST Returns for Credit Monitoring
access_time 1776357000000 face CA N Raja
GST Returns Analysis for Credit Monitoring: A Banker’s Practical Guide Vinu: Manu, a borrower recently submitted GST returns to support a working capital renewal. Honestly, I don't know where to start. How do you even read these things from a credit angle? Manu: Start with GSTR-3B and GSTR-1. GSTR-3...
