From Rain to Returns: How Weather Shapes India’s Rubber Economy

access_time 2025-06-05T15:51:33.708Z face CA N Raja
From Rain to Returns: How Weather Shapes India’s Rubber Economy Vinu: Manu, I saw an article in The Hindu BusinessLine today (05.06.2025) about rubber production. It says monsoon might boost it. What’s the latest on that? Manu: Yes, Vinu. A good monsoon in Kerala has brought optimism among rubber fa...

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...

RBI’s Gold Loan Guidelines: Reform or Roadblock?

access_time 2025-06-03T08:45:21.463Z face CA N Raja
RBI’s Gold Loan Guidelines: Reform or Roadblock? Vinu: Manu, what’s this big issue about RBI’s draft norms for gold loans? I read somewhere that it’s creating a lot of fuss. Manu: That’s true, Vinu. The RBI has recently proposed draft norms for gold loans, especially those issued against high-value ...

Collateral Coverage Ratio vs Loan-to-Value Ratio: What’s the Difference?

access_time 2025-06-02T08:41:37.89Z face CA N Raja
Collateral Coverage Ratio vs Loan-to-Value Ratio: What’s the Difference? Vinu: Manu, I came across two terms in a credit proposal — Collateral Coverage Ratio and Loan-to-Value Ratio. Are they the same thing? Manu: Great question, Vinu. They're related but not the same. In fact, they’re almost like m...

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 ...