CA Ankush Jain (English)

Wishing you and your family a very Happy Diwali! 🪔✨

May the festival of lights bring happiness, prosperity, good health, success and endless blessings to your home.

May every diya brighten your life with new hopes and opportunities. 🌸💥💥✨✨✨✨✨✨💥💥

1 day ago | [YT] | 1

CA Ankush Jain (English)

📘 5 days to go: how I read any set of financials

1. Know the business first
2. Check the basics: audited or provisional, auditor, date
3. Read the audit report and notes
4. Three years of sales and margins
5. Cross-check sales with GST and bank credits
6. Study the balance sheet
7. Key ratios: current ratio, TOL/TNW, stock and debtor days, DSCR
8. Build a simple cash flow
9. Look for red flags
10. Write the story in one paragraph

The numbers are not the answer. They are the questions you need to ask.

From Chapter 7 of The Gate Keeper. Launches 12 Nov, 8 pm; waitlist gets it a day early:
caankushjain.com/book?src=wa

1 day ago | [YT] | 1

CA Ankush Jain (English)

New video for my channel in english language only-

How do banks process a Sales Bill Discounting facility? In this video, ex-banker CA Ankush Jain explains the complete login documents checklist, how the bank calculates your eligibility (no MPBF needed), and how the digital disbursement process works between the borrower, the corporate and the bank.

In this video:
✅ Login documents – audited balance sheet, tax audit report, KYC, application form, ITR
✅ CIR – Corporate Information Report: what it contains and when it is available
✅ Underwriting tip – use the bank statement & ledger to verify the real payment cycle
✅ Eligibility formula – Sales to corporate × Tenor ÷ 360 (example: ₹240 lakh → ₹60 lakh)
✅ Corporate exposure (program) limit
✅ Digital process – invoice upload, corporate approval, e-bill of exchange (e-hundi)

https://youtu.be/R28m2zL47fM

2 days ago | [YT] | 1

CA Ankush Jain (English)

New article: how a bank really reads your balance sheet.

In the worked example, a current ratio of 1.35 becomes 1.04, and TOL/TNW moves from 2.10 to 4.72, after the adjustments a credit manager makes.

Covers the reading order, the adjustments, holding periods and red flags.

Read it here: caankushjain.com/blog-how-banks-analyse-balance-sh…

Which ratio do you check first?

3 days ago | [YT] | 2

CA Ankush Jain (English)

7 days to go 📘 One lesson from The Gate Keeper:

Before restructuring a stressed loan, ask: "If the problem disappeared tomorrow, would this business earn enough cash to service its debt comfortably?"

Yes → temporary stress. Help it bridge the gap.
No → structural stress. More time or money only grows the loss.

Launches 12 Nov, 8 pm. Waitlist gets it a day early 👉 caankushjain.com/book?src=ytcommunity

All content is for educational purposes only and isn't financial or investment advice.

3 days ago | [YT] | 1

CA Ankush Jain (English)

The date is set 📘 The Gate Keeper launches on 12 November at 8 pm IST.

Waitlist members get it a day early, on 11 November at 8 pm. Full contents and the countdown here 👉 caankushjain.com/book?src=ytcommunity

All content is for educational purposes only and isn't financial or investment advice.

5 days ago | [YT] | 3

CA Ankush Jain (English)

Most CMA data problems are not arithmetic problems.

The numbers add up. The forms just don't agree with each other.

Here's how to read the six CMA forms the way a credit desk does:

1. Start with Forms II and III. Every other form draws on them, so an error here travels through the whole CMA.

2. Form V gives a calculation, not a decision. In one worked example, the same borrower gets ₹160 lakh under Tandon Method II, ₹195 lakh under Method I and ₹240 lakh under the turnover method.

3. Form VI is your test. Net working capital in the funds flow must tie back to the balance sheet. If it doesn't, something is wrong.

I've walked through one example from Form II to Form VI, with every number tying together.

Which CMA form takes you the longest to get right?

#CMAData #WorkingCapital #BankCredit #CreditManager #CharteredAccountant

6 days ago | [YT] | 1

CA Ankush Jain (English)

📊 Naya free tool: Online Financial Analysis + CMA Data

Apne business ka 5 saal ka P&L aur balance sheet CMA format mein daalo, aur bank jaisi poori analysis report pao:
✅ Ratios, margins, DSCR, ISCR, TOL/ATNW
✅ MPBF 5 methods se (Tandon I aur II bhi)
✅ Working capital cycle aur break-even
✅ 10 charts + credit officer ke checks
✅ Report PDF mein save karo

Offline kaam karna hai? CMA Excel download karo, saare formulas live.

👉 caankushjain.com/cma-data-analysis?src=yt

Comment mein batao: CMA ka kaunsa part aapko sabse tough lagta hai?

All content is for educational purposes only and isn't financial or investment advice.

1 week ago | [YT] | 1

CA Ankush Jain (English)

New video for my channel in english language only-

When a bank provides a Sales Bill Discounting facility under Supply Chain Finance, what charges does it levy? And who is responsible for paying those charges — the seller or the corporate buyer?

Does the seller always bear the discounting cost? Can the corporate buyer agree to bear it? How are the discounting charges calculated, and what happens when the invoice payment is delayed?

In this video, I explain the **different charges involved in Sales Bill Discounting and who actually bears those charges**, from a practical banking perspective.

### In this video, you will learn:

- What is the discounting rate or discounting interest?
- How discounting charges are calculated based on the invoice amount, applicable rate and financing period
- Difference between discounting charges and processing fees
- Whether banks levy documentation or facility-related charges
- Other charges that may apply depending on the bank's pricing structure
- Whether the seller or corporate buyer bears the discounting cost
- How seller-borne and buyer-borne discounting arrangements work
- How the commercial agreement affects the allocation of charges
- Whether the bank deducts charges upfront or collects them separately
- How the seller receives the net amount after applicable deductions

The objective is to understand the **pricing structure and cost allocation in Sales Bill Discounting**, rather than simply memorising a discounting formula.

This video is useful for credit managers, relationship managers, corporate bankers, Supply Chain Finance professionals, credit analysts, CAs, business owners, sellers, corporate finance teams and banking professionals.

**Important:** Actual charges, rates, payment responsibilities and treatment of overdue amounts depend on the bank's approved terms, applicable regulations and contractual arrangements. The seller, buyer and bank may have different obligations under different structures.

#SalesBillDiscounting #SupplyChainFinance #BillDiscounting #DiscountingCharges #InvoiceDiscounting #CorporateBanking #TradeFinance #CreditManager #WorkingCapitalFinance #Banking #CreditAnalysis #scfa

sales bill discounting, sales bill discounting charges, bill discounting charges, sales bill discounting interest rate, who pays bill discounting charges, sales bill discounting explained, bill discounting facility, bill discounting calculation, bill discounting fees, discounting charges calculation, seller borne discounting, buyer borne discounting, invoice discounting charges, invoice financing cost, supply chain finance, SCF banking, seller finance, corporate buyer finance, bill discounting interest calculation, bank discounting charges, sales bill discounting cost, discounting interest, corporate banking, trade finance, working capital finance, credit manager training, banking concepts, credit appraisal, supply chain finance India, CA Ankush Jain

https://youtu.be/2U3_QUixKMA

1 week ago | [YT] | 1

CA Ankush Jain (English)

📊 New article: TOL/TNW ratio
caankushjain.com/blog-tol-tnw-ratio?src=wa

1 week ago | [YT] | 1