Comprehensive statutory guides, interactive calculators, and regulatory manuals on Banking & Working Capital.
Institutional financial guide comparing Bank Overdraft (OD) and Cash Credit (CC) limits. Learn the statutory and operational differences: collateral vs hypothecation of stock/debtors, Drawing Power (DP) formulas, monthly stock statement audits, interest calculation on daily reducing balance, commitment charges, and optimal working capital management.
Complete guide to the CGTMSE Hybrid Security Model for collateral-free and partially collateralized MSME loans up to ₹5 Crore. Learn how banks combine tangible collateral with CGTMSE guarantee cover, annual guarantee fee (AGF) calculations, risk weight reductions, eligibility criteria, and claim settlement workflows for micro and small enterprises.
Authoritative guide to the Central Government Modified Interest Subvention Scheme (MISS) for agricultural crop loans through Kisan Credit Cards (KCC). Learn the 1.5% budgetary subvention to lending institutions, 3% Prompt Repayment Incentive (PRI) reducing effective farmer interest to 4% p.a. on short-term loans up to ₹3 Lakhs, post-harvest storage loans under NWRs, and interest subvention audit rules.
Comprehensive legal and financial analysis of the Factoring Regulation Act, 2011 (and 2021 Amendment) in India. Learn the fundamental mechanics of Recourse vs Non-Recourse factoring, credit protection against debtor insolvency, assignment of receivables under Section 8, TReDS digital auctioning, balance sheet off-balance-sheet treatment, and NBFC-Factor licensing regulations.
Complete guide to the Credit Guarantee Scheme for Stand Up India (CGSGI) administered by NCGTC. Learn how SC/ST and women entrepreneurs secure composite loans from ₹10 Lakhs to ₹1 Crore for greenfield projects in manufacturing, services, trading, and agri-allied activities without third-party collateral, margin money reduction to 15%, interest rate caps, and bank approval protocols.
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