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Land Loans for SMEs: What’s Allowed and What’s Not
access_time 2025-05-26T06:00:12.179Z face CA N Raja
Land Loans for SMEs: What’s Allowed and What’s Not Vinu: Manu, I’ve got a question. Can banks give a term loan to an SME just to buy a piece of commercial land? Manu: That’s a good question, Vinu. Generally speaking, banks are not allowed to give loans just for the purchase of land, especially when ...
Temporary vs Seasonal Overdraft: What’s the Difference?
access_time 2025-05-05T07:39:52.082Z face CA N Raja
Temporary vs Seasonal Overdraft: What’s the Difference? Vinu: Manu, I’m trying to understand the difference between temporary and seasonal overdraft (OD) facilities. Could you explain them to me? Manu: Sure, Vinu! Both temporary and seasonal ODs are credit facilities provided by banks, but they serv...
Understanding the Difference Between Renewal and Review in Bank Credit
access_time 2025-05-05T07:01:34.257Z face CA N Raja
Understanding the Difference Between Renewal and Review in Bank Credit Vinu: Manu, I’m a bit confused about the terms renewal and review of working capital credit facilities by banks. Could you explain the difference, especially with reference to RBI guidelines? Manu: Sure, Vinu! The concepts of ren...
Understanding the Difference Between WCDL Disbursement and Rollover
access_time 2025-04-20T06:39:02.81Z face CA N Raja
Understanding the Difference Between WCDL Disbursement and Rollover Vinu: Hey Manu, I’ve been trying to understand the difference between WCDL disbursement and rollover. Can you walk me through it? Manu: Of course, Vinu! Let’s start from the basics. WCDL stands for Working Capital Demand Loan. It’s ...
Margin Money Against LC/BG: A Hidden Line in the Balance Sheet
access_time 2025-04-16T08:04:36.654Z face CA N Raja
Margin Money Against LC/BG: A Hidden Line in the Balance Sheet Vinu: Manu, I’ve seen something called “margin money against LC or BG” in a balance sheet. What does that mean? Manu: Great question, Vinu. When a company avails a Letter of Credit (LC) or Bank Guarantee (BG) from a bank, the bank usuall...
