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...

Capital Infusion: How to Verify If It’s Genuine or Just a Book Entry?

access_time 2025-06-17T07:00:42.665Z face CA N Raja
Capital Infusion: How to Verify If It’s Genuine or Just a Book Entry? Vinu: Manu, I saw in the balance sheet that the company has shown capital infusion during the year. How can we verify whether it's genuine? Manu: Good question, Vinu. The first thing we should do is check the bank statement of the...

Dividend Despite Losses: What Section 123 of the Companies Act Really Allows

access_time 2025-06-14T15:52:12.184Z face CA N Raja
Dividend Despite Losses: What Section 123 of the Companies Act Really Allows Vinu: Manu, I read in BusinessLine that 24 listed companies have proposed dividends in FY25, even though they’ve incurred standalone losses. Is that even legally allowed? I thought dividends can be declared only if the comp...

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...

Kitex Taps Opportunity: The Apparel Industry’s Shift from Bangladesh to India

access_time 2025-06-06T15:28:37.835Z face CA N Raja
Kitex Taps Opportunity: The Apparel Industry’s Shift from Bangladesh to India Vinu: Manu, I came across this article in The Hindu BusinessLine dated June 6, 2025, about Kitex Garments betting big on the apparel industry shift from Bangladesh to India. Can you explain what's happening? Manu: Absolute...