IndiaLaw by assureOffice

Articles & practical guides

Practical Indian tax, financial reporting, labour, state law and business compliance guides for CAs, accountants and businesses.

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Articles & practical guides

12 articles
TReDS Platform vs Bank Factoring, MSME Receivables Discounting, Working Capital Guide

TReDS vs Bank Factoring: Financing MSME Receivables

Compare TReDS bids with bank factoring, calculate net proceeds, and check the separate accounting and buyer payment rules.

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Nayak Committee Turnover Method, MSME Working Capital Assessment & Bank Cash Credit Guide

Nayak Committee vs Turnover Method for MSME Working Capital: How Banks Calculate Cash Credit Eligibility

An authoritative banking and credit appraisal masterclass comparing the Nayak Committee Turnover Method with traditional Tandon Committee MPBF (Methods I & II) for MSME working capital assessment up to ₹5 Crore and ₹10 Crore. Details minimum 25% projected annual turnover benchmark, 20% bank finance vs 5% borrower margin, Drawing Power (DP) formulas, stock statement audits, and CMA data automation with assureFinancials.

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CGTMSE Collateral Free Loans, ₹5 Crore Limit, Hybrid Security Model, MSME Credit Guarantee

CGTMSE Scheme for MSME Loans up to ₹5 Crore: Eligibility, Hybrid Security Model, and Bank Approval Tips

A comprehensive project finance and banking advisory guide to collateral-free MSME loans up to ₹5 Crore under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). Covers the expanded ₹5 Crore ceiling, the Hybrid Security Model, guarantee coverage ratios (up to 85%), annual guarantee fees (AGF), credit appraisal modeling, and CMA preparation in assureFinancials.

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Bank Project Report, Term Loan DSCR Calculation, Project IRR, Sensitivity Analysis, CMA Modeling

Project Report for Bank Term Loans: Step-by-Step Financial Modeling for DSCR, IRR, and Break-Even Analysis

A comprehensive financial engineering and banking guide for Chartered Accountants, corporate promoters, and CFOs preparing Techno-Economic Viability (TEV) project reports for bank term loans. Covers project cost structuring, means of finance, debt-equity norms, Debt Service Coverage Ratio (DSCR) modeling, Project & Equity IRR, Sensitivity Analysis, and overcoming bank credit appraisal red flags.

By Team assureOffice