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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, ...
The Role of Security and Collateral in Credit Decisions
access_time 1782664200000 face CA N Raja
The Role of Security and Collateral in Credit Decisions Vinu: When banks assess a loan proposal, how important is security or collateral? Manu: Very important, but not as important as many people think. The primary source of repayment is always the borrower's cash flow and repayment capacity. Securi...
Understanding Margin Requirements in Bank Finance
access_time 1782577800000 face CA N Raja
Understanding Margin Requirements in Bank Finance Vinu: When evaluating loan proposals, one term that frequently appears is "margin." What exactly does it mean? Manu: Margin is the borrower's contribution towards the asset or business requirement being financed. It represents the portion that the bo...
Why End-Use Verification Is Critical After Loan Disbursement
access_time 1782491400000 face CA N Raja
End-Use Verification: An Essential Part of Credit Monitoring Vinu: Once a loan is disbursed, isn't the bank's job largely complete? Manu: Not at all. Loan disbursement is only one stage of the credit cycle. Banks must ensure that the funds are actually used for the purpose for which they were sancti...
