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Industry Risk Analysis in Lending: Why One Size Does Not Fit All
access_time 1775925000000 face CA N Raja
Industry Risk Analysis in Lending: Why One Size Does Not Fit All Vinu: Manu, why can’t banks use the same appraisal approach for all industries? Manu: Because each industry has a different risk structure—cash cycle, margins, customer concentration, and volatility vary widely. Vinu: From the start, w...
Common Red Flags in SME Loan Proposals and How to Identify Them Early
access_time 1775665800000 face CA N Raja
SME Loan Red Flags: What Every Banker Must Identify Early Vinu: Manu, when an SME loan proposal comes in, what is the first red flag you look for? Manu: Unrealistic growth. If last year’s turnover is ₹2 crore and the proposal shows ₹4 crore next year without capacity expansion, it’s a warning. Vinu:...
Why Financial Projections Fail and How Bankers Should Stress-Test Them
access_time 1775406600000 face CA N Raja
Why Financial Projections Fail: A Banker’s Guide to Stress Testing Vinu: Manu, most borrowers submit detailed projections. Yet many of them fail in reality. Why? Manu: Because projections are usually optimistic, not operational. They reflect what promoters hope will happen, not what the business can...
Post-Sanction Monitoring: What Bankers Should Track on a Monthly Basis
access_time 1774369800000 face CA N Raja
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: Key Mistakes Bankers Make While Evaluating Projects
access_time 1774283400000 face CA N Raja
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...
