Post-Sanction Monitoring: The Monthly Checklist Every Banker Must Follow Vinu: Manu, once a loan is sanctioned, what should a banker actually track every month? Manu: Three things—account conduct, cash flow behaviour, and compliance with sanction terms. Vinu: Let’s start with account conduct. What d...
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...