Loans, banking and finance — explained simply by people who do this every day.
The Credit Guarantee Fund Trust for Micro and Small Enterprises backs collateral-free loans up to ₹5 crore. Here is how the scheme works and how to qualify.
10 June 2026 · 6 min read
Turnover method, MPBF, cash budget — a former bank credit manager's guide to the arithmetic behind your cash credit limit.
22 May 2026 · 7 min read
A lower rate is not automatically a better deal. The break-even mathematics every borrower should run before switching lenders.
15 April 2026 · 5 min read
Repo-linked, MCLR-linked or fixed — how policy rate changes transmit (or don't) to what you pay every month.
8 March 2026 · 5 min read
For mid-sized borrowers, one notch on the rating scale can move borrowing cost by 50–100 basis points. Ratings can be managed — legitimately.
12 February 2026 · 6 min read
It is rarely the business. A credit insider's view of why files stall — and how each cause is repaired.
20 January 2026 · 6 min read