Why are borrowings good for your business? Why do we approach banks for business loans? Why do we say that 2:1 debt equity ratio is a standard ratio? Because it creates wealth. How? You have rs 1000 and borrowed rs 2000. Your business return on investment (ROI) is 20 per cent. You have borrowed at

A team of four people is running two private limited companies, two partnership firms, one proprietorship firm and one public limited company. They are working in six different business verticals. Two of those businesses had grown huge. They have expanded the business and opened seven branch offices. They have earned a big name, planning big

Mr ABC started his business from a scratch. He worked day and night and followed very high standards of business ethics. The businessman earned a name in the society. He was known to be very credible. Businessmen would approach him to lend their money without even a guarantee. Suppliers were happy with his terms and

Mr and Mrs X are running multiple businesses. There are various verticals in those businesses. Promoters have liabilities of Rs 60 lakh towards different departments. Books show profit but there is a cash crunch to the extent that he is not able to pay even taxes. Liquidity has just vanished. Why? There was a constant

Operations and financial management are two pillars of a business. If one pillar gets disturbed, the whole business will suffer. There are very serious repercussions of even a single small negligence. Before we start our venture, it is important to consult a right person for both aspects. If we are operations’ experts, we should consult

We need water to keep our body hydrated to survive. The same is the case with our businesses. Most important in our lives is planning. We are earning money either by doing a business or by getting a job. The day we start our business or a job, we have to plan our savings. A

Mr X, a talented and hard working professional, got a notice from the department to pay GST, late filing fee and penalty of Rs 645,800. He was shocked to see this notice. He rushed to his tax consultant. The proprietor of the business Mr X said that he had been filing all returns on time.

Your life is an asset for you and your family so is your business. You need to strike a balance between the two. Lack of equilibrium may throw both your business and life off balance. Both aspects will get affected without a balance. Your health and happiness is the key of your balanced life. You

Nobel laureate of economics Mohmmed Yunus started an experiment in Bangladesh. The outcome startled the male chauvinistic world – women almost 100 per cent return their loans, both because of honesty and succeeding in small scale businesses. Micro-credit has grown leaps and bounds post this study. Now, the trust has gone to the level that

The world is hit by a Corona virus pandemic. Lives are threatened. The lockdown world over also threatens livelihoods and businesses. Surveys suggest if the lockdown continues for more than three months, around one thirds of businesses would be shut. If the lockdown continues for six months, 60 to 70 per cent businesses will be