The 180-day NPA rule, RBI's 3-month review expectation, the renewal document checklist, the four outcomes, and your rights when the bank says no. Free readiness-checker workbook.
Margin money in bank loans explained: the Nayak 5% and MPBF 25% rules, drawing-power margins, what banks accept as margin, and why a shortfall cuts your limit.
Sanction letter decoded clause by clause: EMI math check, rate type and benchmark, prepayment and penal-charge rules, bundled-insurance traps, and a free trap-checker workbook.
FOIR decides most loan rejections, not salary: strict vs loose counting, the 50/55/60 slab bands as lender convention, reverse sizing, and a repair playbook. Free all-formula workbook.
40 credit appraisal terms Indian borrowers meet, from CAM and DSCR to SMA bands, SARFAESI and pari passu. Plain definitions with links to the deep guides.
What triggers a forensic audit after red-flagging, what auditors examine, the RBI 2024 timelines, and the borrower playbook.
What lenders see about you in CRILC when your account is red-flagged: Rs 3 crore vs Rs 5 crore lines, the 7-day clock, how long flags persist.
Every RBI Early Warning Signal, explained in plain language: what each looks like in your books, why banks care, and the practical fix.
Red Flagged Account explained for borrowers: what triggers it, the 7-day CRILC and 180-day clocks, your 21-day reply right, and how the flag clears.
Term loan vs working capital CAM: two repayment tests on one borrower file, DSCR against MPBF, and a paired workbook that runs both.
CIBIL score vs bank statement: what credit officers check first, the 750 myth, statement red flags and the EMI load test, with a free checker.
RBI raised the repo rate to 5.50% on 7 October 2026, the first hike since February 2023. What changed, who it affects, and how to stress test your credit file.
Credit appraisal process step by step: application, KYC, bureau checks, CMA and CAM, rating, sanction, disbursement and monitoring in Indian banks.
The 2025 PSL targets, sub-targets and certificates in borrower language: why an eligible file moves faster, what papers prove it, and where priority status stops helping.
EWS flags, red-flagged accounts, forensic audit and the 180-day clock: the July 2024 RBI fraud directions decoded for borrowers and CAs, with a free self-check tracker.
SMA-0, SMA-1, SMA-2, then NPA at day 91: what the account labels mean for your limit, your CAM renewal, and the route back to standard, with a free NPA day-counter workbook.
Average balance, FOIR, cheque returns, cash deposits: how Indian credit officers actually read your bank statement, in their order, with a free self-audit workbook.
Same MPBF formula, different current assets. How Indian banks assess traders vs manufacturers on the same turnover, with a worked example and free comparator workbook.
RBI speaks in circulars. Every circular, bulletin or policy move that touches bank credit, decoded in plain English within a day: what changed, who it affects, and what it means for your credit file.
RBI’s September 2026 bulletin says a high credit-deposit ratio does not mean banks are short of funds to lend. What it means for your loan approval, in plain English.
Provisional, projected or audited: what banks want for each year in your CMA data. The CARO 2020 backstop, and the 10 mistakes that stall files.
RBI sets no DSCR floor for fresh term loans. The 1.25/1.33 figures are illustrative restructuring benchmarks; banks work to 1.50-2.00. A Rs 1 crore worked example, ratio gates, and a downloadable checker.
A CMA file rarely dies in a meeting; it dies on a credit officer's desk, circled in red. These are the ten rejection reasons, mapped to the officer's actual checks and RBI's 2024 early-warning triggers, with a 10-row self-audit to run before you submit.
Cash budget vs fund flow statement: what each tells a credit officer, when Indian banks ask for both, and how the two must reconcile. With a worked ₹370 lakh seasonal example and a free workbook.
CAM, CMA data, project report: who writes each, when Indian banks ask for which, and what RBI actually mandates. With a worked ₹2 crore example and a free workbook.
DSCR = cash available ÷ debt service. Formula banks use, a worked ₹60 lakh example, where the 1.33 rule really comes from, and reverse-DSCR loan sizing.
What is a stock audit? What bank auditors check in your godown and books, the RBI rules behind it, a preparation checklist, and a free reconciliation workbook.
Drawing power explained: how banks compute it from your stock statement and book debts, the 25%/40% margin rules, a free calculator, and an Excel sheet.
What is CMA data? The 6-statement format Indian banks ask for, why files get returned, and a free Excel template with visible formulas.
MPBF method explained: Tandon Method 1 and 2 formulas, Chore, and Nayak’s 20% turnover rule. Worked examples, free calculator, and Excel sheet.
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Complete guide to Credit Appraisal Memorandum (CAM) in banking - purpose, components, preparation process, and its role in loan approval decisions.
RBI’s Early Warning Signals framework: the EWS trigger catalogue, the red-flag account workflow, forensic-audit process, and the July 2026 fraud-risk directions.
Understanding money trail analysis techniques used by forensic accountants and banks to trace suspicious transactions and prevent financial crimes.
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