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How to Analyze GST Returns for Credit Monitoring
access_time 1776357000000 face CA N Raja
GST Returns Analysis for Credit Monitoring: A Banker’s Practical Guide Vinu: Manu, a borrower recently submitted GST returns to support a working capital renewal. Honestly, I don't know where to start. How do you even read these things from a credit angle? Manu: Start with GSTR-3B and GSTR-1. GSTR-3...
Early Warning Signals (EWS)
access_time 1776184200000 face CA N Raja
Early Warning Signals in Banking: Detect Stress Before NPA Vinu: Manu, before an account turns NPA, what are the first early warning signals bankers should watch? Manu: Account behaviour. Persistent overdrawings, irregular credits, and delayed EMI of even ₹2–3 lakh are the earliest signs of stress. ...
Industry Risk Analysis in Lending: Why One Size Does Not Fit All
access_time 1775925000000 face CA N Raja
Industry Risk Analysis in Lending: Why One Size Does Not Fit All Vinu: Manu, why can’t banks use the same appraisal approach for all industries? Manu: Because each industry has a different risk structure—cash cycle, margins, customer concentration, and volatility vary widely. Vinu: From the start, w...
Pricing Basics: Are You Actually Making Money on Each Sale?
access_time 1775838600000 face CA N Raja
Pricing Basics: Are You Really Making Profit on Every Sale? Vinu: Manu, my sales are increasing, but I’m still unsure—am I really making money on each sale? Manu: Good question, Vinu. To know that, you must calculate your contribution per unit. Vinu: What does that mean in simple terms? Manu: Sellin...
Cost Structure Analysis: Fixed vs Variable Costs and Margin Impact
access_time 1775752200000 face CA N Raja
Cost Structure Analysis: How Fixed & Variable Costs Impact Profitability Vinu: Manu, why should finance executives clearly separate fixed and variable costs? Manu: Because decision-making depends on how costs behave, Vinu. Fixed and variable costs impact margins very differently. Vinu: Start with th...
