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Articles
Knowledge Hub
ECLGS 5.0: All You Need to Know – 2026 Cabinet Approval
Quick Answer The Union Cabinet approved ECLGS 5.0 on 5 May 2026 to address liquidity stress caused by the West Asia conflict.…
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Knowledge Hub
Turnover Method for Working Capital (Nayak Committee) — Formula, Calculation & RBI Norms
The Nayak Committee method — also called the Simplified Turnover Method (STM) — is one of the most frequently tested topics in…
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Articles
Drawing Power Formula & Calculation in Cash Credit — With Worked Example
Drawing power (DP) is the amount you can actually withdraw from a cash credit account on any given day — calculated…
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Lending
Articles
What is working Capital?
Working Capital is a financial indicator of operational liquidity of a business organization. Working Capital is the short term assets to cover…
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Lending
Articles
Credit Appraisal Process : An Ultimate Guide for beginners
Credit Appraisal is a process which require sufficient knowledge and proper due diligence. Credit involves risk of default, which can not be…
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Lending
Articles
Analysis Of Holding Period : How to : Ultimate Guide
Holding period analysis tells a banker how long a business holds its raw materials, converts them into finished goods, sells them, and…
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Lending
Articles
Current Assets and Current Liabilities — How to Identify in a Balance Sheet
Correctly identifying current assets and current liabilities in a balance sheet is a core skill for every bank credit officer and a…