Not an audit — a supervisory assessment that follows you for years. What the team pulls before arriving, and what it tests on site.
Every NBFC-ICC must reach ₹10 crore of Net Owned Fund by 31 March 2027. Non-compliance is a ground for cancelling registration.
Base, Middle, Upper, Top. What puts you in each layer, and the obligations that attach the moment you cross a line.
Day-end stamping, the upgradation rule, and restructuring nobody recognised. Where NBFC asset classification quietly goes wrong.
Qualifying assets at 60%, the ₹3 lakh household income test, the 50% outflow cap and pricing you must defend.
Banks reject sound businesses over bookkeeping, not performance. Here is what a credit officer actually looks at.
The complete document set Indian banks ask for, what each one is used for, and the order to prepare them in.
Banks, NBFCs, debentures, commercial paper, TReDS, ECB and government schemes — the full map, and what each one suits.
Most businesses pay more than they need to. Six levers that reduce your cost of funds without raising a rupee more.
Defer basic customs duty on imported inputs and capital goods, with no export obligation. How it works and what it is worth.
All Industry Rate versus brand rate, where exporters under-claim, and the supplementary claim window most never use.
Capital subsidy, SGST reimbursement, power tariff, stamp duty. Why most manufacturers miss it, and why timing decides everything.
Your P&L shows a profit and the account is empty. Where the money actually is, and what ten days is worth.
Margin rarely falls for one big reason. It falls in small places no report shows separately — and the P&L cannot see them.
Most control failures are not dishonesty — they are design. What separates a control that works from a policy that exists.
