A Letter of Credit (LC) is one of the most critical instruments in international and domestic trade, designed to reduce payment risk between buyers and sellers. In simple terms, a letter of credit is a bank’s written guarantee that the seller (exporter or supplier) will receive payment on time and for the correct amount, provided […]
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A business loan is one of the most important financial tools available to entrepreneurs, startups, MSMEs, and established companies to fund growth, manage cash flows, and achieve long-term business objectives. In India’s rapidly evolving economic landscape, access to timely and affordable business credit often determines whether a business merely survives or scales successfully. From small
A loan against commodities is a powerful yet often underutilized financing option that allows individuals, traders, farmers, exporters, and businesses to raise funds by pledging physical commodities such as gold, agricultural produce, metals, or other exchange-approved goods as collateral. In an economy like India’s—where commodities play a central role in trade, agriculture, and wealth preservation—this
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A loan against shares is an increasingly popular financing option in India that allows investors to unlock liquidity from their equity portfolio without selling their holdings. In simple terms, you pledge your shares, exchange-traded funds (ETFs), or select mutual funds as collateral and receive a loan—typically a percentage of the market value of those securities.
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The Public Provident Fund (PPF) is one of the most popular and time-tested long-term savings schemes in India. Introduced to encourage disciplined savings among citizens, PPF combines capital safety, stable returns, and powerful tax benefits, making it a preferred investment choice for salaried employees, self-employed individuals, and conservative investors alike. Backed by the Government of
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The Employee Provident Fund (EPF) is one of the most important and widely used social security and retirement savings schemes for salaried employees in India. Managed by the Employees’ Provident Fund Organisation (EPFO) under the Government of India, EPF is designed to help employees build a substantial retirement corpus through regular monthly contributions made during
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The Sukanya Samriddhi Scheme (SSY) is a government-backed small savings scheme in India aimed at securing the financial future of the girl child. Introduced under the Beti Bachao, Beti Padhao initiative by the Government of India, the scheme focuses on long-term savings for a girl’s higher education and marriage. With assured returns, sovereign backing, and
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In India, MSMEs (Micro, Small and Medium Enterprises) are the backbone of the economy. They create employment, support local supply chains, drive exports, and fuel innovation across sectors. Yet, despite their importance, access to timely and affordable finance remains one of the biggest challenges MSME owners face. This is where MSME loans play a crucial
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Large business ideas often fail not because they are unviable, but because they are poorly financed or poorly presented to lenders. When a business plans to set up a manufacturing unit, power plant, warehouse, hospital, hotel, infrastructure asset, or any capital-intensive project, traditional business loans are often not enough. This is where project finance becomes
For most Indian businesses, failure is rarely caused by lack of profit—it is caused by lack of cash at the right time. A company can be profitable on paper and still struggle to pay suppliers, salaries, or taxes because money is stuck in receivables or inventory. This gap between earnings and actual cash availability is
