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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 ...
Understanding Pension Liabilities: How Companies Account for Employee Retirement Benefits
access_time 2025-05-26T05:50:05.776Z face CA N Raja
Understanding Pension Liabilities: How Companies Account for Employee Retirement Benefits Vinu: Manu, I heard that companies need to save money for employees’ pensions when they retire. How does that work? Manu: Yes, Vinu! When a company promises to pay pensions to its employees after they retire, i...
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...
