Most-used on the desk
Credit Appraisal Tools
MSME 5-year ratio analysis: Current Ratio, DSCR, TOL/TNW, MPBF and more, with banker-style comments.
Open tool →Credit Assessment Calculators
DSCR, Current Ratio, D/E, TOL/TNW, EBITDA, Working Capital, DP, MPBF, Break-even and LTV.
Open calculators →Banking Formats
15 fillable report formats. Fill online and download as Word: appraisal, inspection, visit reports and more.
Get formats →RBI Circulars
Searchable notifications and master directions, updated regularly.
Browse circulars →Latest from RBI
All circulars →- Loading the latest notifications…
Appraisal tools & formats
Run the numbers and produce the paperwork.
MSME Credit Appraisal (5-Year Ratios)
Generate ratio analysis with banker comments, plus the fair process for fund-based limits.
UDIN Verification
Check a CA certificate's UDIN, then confirm it on ICAI's portal and save a record for the file.
CGTMSE Fee Calculator
Guarantee fee, cover and year-wise cost with a PDF; plus PMEGP, CMEGP and state schemes.
DSCR Calculator & Guide
Formula, benchmarks, worked examples and a live calculator.
Current Ratio Calculator
Liquidity check with formula, norms and worked cases.
Drawing Power (DP) Calculator
Compute cash credit drawing power from stock, debtors and margins.
10 Credit Ratio Calculators
D/E, TOL/TNW, EBITDA, WC, MPBF, Break-even, LTV and more, in one page.
Banking Report Formats
Fill online and download as Word: appraisal, visit and inspection reports.
Retail Loan Eligibility Checker
Quick retail eligibility across 9 loan products, handy for counselling customers.
Credit assessment
Methods, norms and documentation for sanctioning sound proposals.
Working Capital Assessment
Methods, formulas and a calculator for assessing WC limits.
Term Loan Assessment
Types, DSCR, FACR and repayment structuring with a calculator.
Project Finance Appraisal
Process, key ratios and risk mitigation for larger projects.
CMA Data: Format & Analysis
How to read CMA data the way credit departments do.
Loan Operations: Retail & Corporate
Sanction to closure: documentation, disbursement, monitoring.
CIBIL Reports & CMR
Generate and read consumer and commercial credit reports, with a file-note generator.
ROC Search & Charge Creation
MCA V3 search, CHG-1 deadline and fee calculator, satisfaction and CERSAI.
Securities, Charges & Documentation
Mortgage, hypothecation, pledge and lien, with documentation rules.
MSME Lending
Classification, schemes and credit guarantee coverage.
Priority Sector Lending
PSL categories, targets and sub-targets.
Ratio Analysis
Liquidity, leverage, profitability and activity ratios explained.
Credit Rating Agencies
How external ratings feed into lending and risk weights.
Asset quality & recovery
Classification, provisioning and the legal routes to recover dues.
NPA: Classification & Provisioning
Asset classification, provisioning norms and income recognition.
What Is an NPA? (2026 Guide)
Meaning, classification and the recovery process at a glance.
SARFAESI, DRT, IBC & Lok Adalat
Which recovery route to use, and when.
NCLT & the Insolvency Process
Eligibility, filing and the resolution process in banking.
Recovery Laws Reference
Statutory framework behind recovery, in exam-oriented notes.
Regulation & compliance
What the regulator expects, and how to stay on the right side of it.
RBI Circulars & Master Directions
Searchable archive of notifications from 2016 onward.
RBI: Role, Structure & Powers
Regulatory and supervisory functions of the central bank.
KYC & Customer Due Diligence
CDD, EDD, risk categorisation and periodic updation.
AML & the PMLA Framework
STR/CTR reporting, obligations and penalties.
FEMA & Cross-Border Rules
Current vs capital account transactions and compliance.
Forex Operations & Remittances
A bank's guide to inward and outward remittances.
Banking Regulation Act & RBI Act
Key sections and provisions every banker should know.
Cyber Security & Fraud Risk
Frauds, controls and reporting from a banker's viewpoint.
Branch & operations
Day-to-day banking processes and payment systems.
Deposit Accounts & Operations
Account types, operations and the rules around them.
Cheque Clearing & Settlement
CTS, settlement systems and the latest rules.
Digital Payment Systems
NEFT, RTGS, UPI and IMPS compared.
Bank Accounting, Operations & Audit
Accounting entries, controls and audit basics.
Core Banking & Computerisation
CBS architecture and its impact on branch work.
Exams & career
JAIIB, CAIIB and beyond, with free study material and practice MCQs.
JAIIB Study Articles (112)
Exam-focused notes with visual explainers and 1,000+ practice MCQs.
Banking Library
Curated books for JAIIB, CAIIB and IIBF courses.
Start JAIIB: Indian Financial System
The first article in Paper 1, a good place to begin.
RBI & Monetary Policy (Exam Notes)
Frequently tested: repo, CRR, SLR and MPC.
IIBF Exams & Courses ↗
Official registration, syllabus and notices from IIBF.
Industry intel
News, the bank landscape and where peers are discussing.
Desk workflows
Real situations, with the right tools and references in order.
🏭 Appraising a working capital limit
From CMA data to the sanction note.
- Read the CMA dataCheck projections against history.
- Test liquidityCurrent ratio and NWC.
- Assess the limitTurnover method / MPBF.
- Set the drawing powerStock, debtors and margins.
- Prepare the appraisal reportFill and download the format.
🏗️ Sanctioning a term loan or project
Viability, repayment capacity and documentation.
- Appraise the projectViability, risks and mitigants.
- Structure the term loanRepayment, moratorium, FACR.
- Test the DSCRAgainst your bank's benchmark.
- Run 5-year ratiosAdd banker comments.
- Take security & documentsCharge creation and documentation.
⚠️ An account is turning stressed
Classify, provide and choose a recovery route.
- Classify the assetSMA, sub-standard, doubtful, loss.
- Know the NPA processOverview and timelines.
- Pick the recovery routeSARFAESI, DRT, Lok Adalat, IBC.
- Consider NCLTFor eligible corporate debtors.
🪪 Onboarding a customer or entity
Get KYC right the first time.
- Apply CDD normsDocuments, UBO, risk category.
- Check AML obligationsMonitoring and STR triggers.
- Open & operate the accountAccount-specific rules.
- Cross-border angle?FEMA checks if remittances are involved.
Got a tricky case? Put it to your peers.
Discuss appraisal doubts, circular interpretations and exam questions in the AskBanker forum.
Please note: tools and guides are for education and preliminary analysis. Always follow your own bank's policy, current RBI directions and sanctioning authority guidelines. See our Disclaimer.