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How to Decide Margin Percentage While Sanctioning Bank Credit Facilities
access_time 2025-06-20T09:46:38.083Z face CA N Raja
How to Decide Margin Percentage While Sanctioning Bank Credit Facilities Vinu: Manu, when we sanction credit facilities like Cash Credit or Term Loan, how do we decide what margin percentage to keep? Manu: Good question, Vinu. The margin is the portion the borrower contributes from their own funds. ...
Detecting Fund Diversion Through Cash Credit Account
access_time 2025-06-19T07:08:46.214Z face CA N Raja
Detecting Fund Diversion Through Cash Credit Account: Red Flags & Analytical Tips Vinu: Manu, I was reviewing the cash credit account statement of a borrower, and I got a doubt. Can we find out whether the funds are being diverted for long-term purposes just by analyzing the CC statement? Manu: That...
When Can a Bank Offer Unsecured Working Capital Loan?
access_time 2025-06-18T07:01:48.968Z face CA N Raja
When Can a Bank Offer Unsecured Working Capital Loan? Vinu: Manu, I’ve heard that some companies get working capital loans without offering any security. Is that really possible? Under what criteria can banks give unsecured working capital loans? Manu: Yes, Vinu, it’s possible. But banks are very se...
RBI Relaxes Gold Loan Norms: What Borrowers and Lenders Must Know
access_time 2025-06-07T15:22:32.588Z face CA N Raja
RBI Relaxes Gold Loan Norms: What Borrowers and Lenders Must KnowSource: The Hindu Business Line, June 7, 2025 Vinu: Manu, I saw today’s news about RBI relaxing the norms for gold loans. What exactly has changed? Manu: Yes, Vinu. The Reserve Bank of India (RBI) has issued final norms after public co...
Moody’s Outlook on Indian Banks: Asset Quality, Loan Growth & Key Risks Explained
access_time 2025-06-04T15:59:14.024Z face CA N Raja
Moody’s Outlook on Indian Banks: Asset Quality, Loan Growth & Key Risks Explained Vinu: Manu, I saw Moody’s made a statement about Indian banks. What are they saying? Manu: Moody’s said that despite global trade tensions, the Indian banking sector is expected to broadly preserve its asset quality, t...
