business
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A Business Success Book Every Indian Entrepreneur Shouldn’t Miss
I am happy to announce that my third book is getting published during the pandemic. After publishing Balancing is the Work in Oct 2020, a significant book, Indian Women & Financial Fitness, was published on International Women’s Day 2021. & now Indian Startups, SMEs, & Financial Literacy. Financial Literacy is a very important literacy, but ironically is not given the… Continue reading
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All You Need to Know About the Working Capital and Business Success
Working capital mismanagement is one of the main causes why a small and medium business fails. This is also one of the main causes of industrial sickness. Working Capital is considered lifeblood of any business. Understanding the key data affecting working capital, how impacts the business, how it can be better managed, what are the sources of working capital, cost… Continue reading
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What You Need to Know about ECB for NPAs and Start-Ups?
Borrowing in foreign currency from an external source is a restricted activity governed by RBI. For many years now I have met many entrepreneurs asking me to help cheaper money from a foreign source. Most of the entrepreneurs were not aware of ECB guidelines and therefore most were cheated by financial intermediaries. Huge advances were… Continue reading
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How Can Excess Cash Kill Your Business?
Cash is King but it also kills. One of the companies hit the market with an IPO. Their Merchant banker advised them to raise more money than required. The issue was subscribed. Excess money they invested in unrelated business. That business could not succeed. The return on share capital could not match the market expectations. The… Continue reading
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Is Your Business Suffering from Financial Cancer?
Mr. X, who was once a very dynamic entrepreneur engaged in the pharmaceutical business, is now under depression for many years. Family expenses and cost of two daughters’ education was borne by other close family members. His wife was doing some domestic work until both daughters completed their studies. Marriage of both the daughters was… Continue reading
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12 Important Reasons Your Business Loan Gets Rejected
I have seen the happiness on the faces of many entrepreneurs when I placed loan sanction letter in their hand. But loan rejection is not a happy state. Availing of loan is most business’s need for growth, especially for SMEs. There is a limit up to which promoters can invest own capital in the business.… Continue reading
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The Impact of REPO Rate on Your Pocket and Business
REPO rate reduction of 0.25% is making the Indian investors excited. Investors believe this will trigger higher off-take of loans, higher economic activities. In reality, cheap money only can’t trigger more demand or higher capacity built up. There are several other factors. However, in this post, we will know about the RBI’s interest rate management.… Continue reading
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All Money Is Not Equal & Entrepreneurs Need to Know This
“We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate.” Robert Kiyosaki M/S ABC Enterprise is facing a liquidity crisis. The bank has sanctioned them working capital loan. In an emergency, they used the borrowed money by way of working capital… Continue reading
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