Ashok Kakkar Kakkar Wisdom Hub

12/10/2026

Early Warning Signals: What Tells a Banker That an Account Is Beginning to Deteriorate?

An account does not become an NPA overnight. The warning signs often appear much earlier. Declining turnover, irregular account operations, rising receivables, delayed information and changes in borrower behaviour may indicate emerging financial stress. The challenge for a banker is to identify these signals in time, distinguish temporary difficulties from genuine deterioration, and take appropriate action before the situation worsens....

12/10/2026

An account does not become an NPA overnight. The warning signs often appear much earlier.

Declining turnover, irregular account operations, rising receivables, delayed information and changes in borrower behaviour may indicate emerging financial stress.

The challenge for a banker is to identify these signals in time, distinguish temporary difficulties from genuine deterioration, and take appropriate action before the situation worsens.

In Chapter 3 of my NPA Management Series, I discuss practical Early Warning Signals (EWS), their interpretation in account monitoring, and the importance of timely intervention within the applicable regulatory framework.

Read the full article on Legal Wisdom Hub:

https://legalwisdomhub.in/early-warning-signals-what-tells-a-banker-that-an-account-is-beginning-to-deteriorate/

Early identification. Careful assessment. Timely action.

08/10/2026

IBC@10: A Decade of the Insolvency and Bankruptcy Code – Reforms, Lessons and the Road Ahead

IBC@10: A Decade of the Insolvency and Bankruptcy Code – Reforms, Lessons and the Road Ahead The IBC has completed its first decade. Its journey has transformed India’s approach to corporate distress—from fragmented recovery mechanisms to a creditor-led, time-bound framework focused on resolution and value preservation. My latest article looks at the journey of the IBC, the lessons from its first ten years, the 2026 reforms, and what the next decade may hold for insolvency resolution in India. Read the full article here: Read the article on Legal Wisdom Hub

08/10/2026

https://legalwisdomhub.in/ibc10-a-decade-of-the-insolvency-and-bankruptcy-code-reforms-lessons-and-the-road-ahead/

IBC@10: A Decade of the Insolvency and Bankruptcy Code – Reforms, Lessons and the Road Ahead From Fragmented Recovery to Strategic Value Preservation A general awareness article on how India’s insolvency framework began, what ten years have taught, and where it is heading Ashok Kakkar | Advocate...

07/10/2026

How Does a Bank Monitor a Standard Account?

How Does a Bank Monitor a Standard Account? A bank’s responsibility does not end with sanction and disbursement. Effective credit monitoring means looking beyond repayment regularity—at account conduct, turnover, cash flow, stock and receivables, end-use of funds, security, financial performance and changes in the borrower’s business. The key is to identify early signs of deterioration while the account is still Standard…...

07/10/2026

🌸 आज का सुविचार 🌸
संस्कार भी एक ऐसी विरासत हैं,
जो पीढ़ी-दर-पीढ़ी आगे बढ़ती है।
हम अपने बच्चों को केवल धन, संपत्ति और सुविधाएँ ही नहीं देते,
बल्कि हमारा व्यवहार, संस्कार, सोच और दूसरों के प्रति सम्मान भी उनके जीवन का हिस्सा बनता है।
हमने अपने माता-पिता से जो अच्छा सीखा, उसे आगे बढ़ाना और जो गलत था, उसे वहीं रोक देना—यही सच्ची विरासत है।
धन-संपत्ति कभी कम या ज्यादा हो सकती है,
लेकिन अच्छे संस्कार जीवनभर साथ रहते हैं।
इसलिए कोशिश करें कि हमारे बच्चे जब हमें याद करें,
तो उन्हें केवल यह न याद आए कि हमने उनके लिए क्या छोड़ा था,
बल्कि यह भी याद आए कि हमने उन्हें कैसे जीना सिखाया था। ❤️

🙏 सुप्रभात 🙏
— Ashok Kakkar

05/10/2026

Planning a Start-Up: Understanding the Facilities and Incentives Available to New Entrants

Planning a Start-Up: Understanding the Facilities and Incentives Available to New Entrants Starting a business is not only about finding incentives or arranging finance. It begins with a sound idea, realistic planning, adequate working capital, capable people and an understanding of the market. In this article, I have shared a practical banker’s perspective on what a new entrepreneur should consider before starting a business, including finance, incentives, credit guarantee support, compliance, cash flow and what a banker looks for in a new proposal....

05/10/2026

Planning a Start-Up: Understanding the Facilities and Incentives Available to New Entrants Starting a business is not only about finding incentives or arranging finance. It begins with a sound idea, realistic planning, adequate working capital, capable people and an understanding of the market.

In this article, I have shared a practical banker’s perspective on what a new entrepreneur should consider before starting a business, including finance, incentives, credit guarantee support, compliance, cash flow and what a banker looks for in a new proposal.

The central message is simple: “Good planning comes first; incentives and facilities only support a sound plan.

” Read the full article here:

https://legalwisdomhub.in/planning-a-start-up-understanding-the-facilities-and-incentives-available-to-new-entrants/

Planning a Start-Up: Understanding the Facilities and Incentives Available to New Entrants A Banker’s Perspective for Proposed Start-Ups and New Entrepreneurs Good planning comes first; incentives and facilities only support a sound plan. Ashok Kakkar, Advocate, Insolvency Professional, Former Ban...

04/10/2026

https://youtube.com/shorts/TBvFL0aW9Os?feature=share

Beyond Registration: How Insolvency Professionals Can Build a Susta...

04/10/2026

Beyond Registration: How Insolvency Professionals Can Build a Susta...