Ashok Kakkar Kakkar Wisdom Hub

09/08/2026

When a Business Loan Turns Stressed: Understanding the Guarantor’s Position

When a Business Loan Turns Stressed: Understanding the Guarantor’s Position A practical look at NPA classification, guarantee liability and SARFAESI enforcement By Ashok KakkarAdvocate | Insolvency Professional | Former Banker When a business borrows from a bank, the lending arrangement often involves three elements: the borrower, the security offered to the bank, and a guarantor who undertakes to meet the obligation if the borrower fails to do so....

When a Business Loan Turns Stressed: Understanding the Guarantor’s Position A practical look at NPA classification, guarantee liability and SARFAESI enforcement By Ashok KakkarAdvocate | Insolvency…

07/08/2026

सच बोलना केवल एक आदत नहीं, बल्कि मन की शांति, आत्मविश्वास और सुखी जीवन का सबसे सरल मार्ग है।

05/08/2026

Business Loans Made Simple: What Banks Really Expect from Borrowers

Business Loans Made Simple: What Banks Really Expect from Borrowers Practical Banking Insights for MSMEs, Start-ups and Growing Businesses By Ashok Kakkar Introduction Two entrepreneurs approached the same bank seeking finance for expanding their businesses. Both requested similar loan amounts. The first applicant owned valuable property and was confident that the strength of his collateral alone would secure the loan. The second applicant had comparatively modest security but presented a well-prepared business plan, realistic financial projections, transparent financial records, and a clear explanation of how the loan would generate additional income....

Business Loans Made Simple: What Banks Really Expect from Borrowers Practical Banking Insights for MSMEs, Start-ups and Growing Businesses By Ashok Kakkar Introduction Two entrepreneurs approached …

05/08/2026

Article Published in YugMarg: Five Questions Every Entrepreneur Should Answer Before Approaching a Bank

Published in YugMarg: Five Questions Every Entrepreneur Should Answer Before Approaching a Bank I am pleased to share that my article, "Five Questions Every Entrepreneur Should Answer Before Approaching a Bank," was published in YugMarg (Chandigarh) on 05 August 2026. The article is based on my practical experience of nearly four decades in commercial banking. It highlights some of the important questions that entrepreneurs, traders, MSMEs and industrialists should carefully consider before approaching a bank for working capital or business finance....

Published in YugMarg: Five Questions Every Entrepreneur Should Answer Before Approaching a Bank I am pleased to share that my article, “Five Questions Every Entrepreneur Should Answer Before …

05/08/2026

I am pleased to share that my latest article, "Five Questions Every Entrepreneur Should Answer Before Approaching a Bank," has been published in YugMarg (Chandigarh) newspaper on 05.08.2026.

Drawing upon my four decades of banking experience, the article highlights practical questions that every entrepreneur, trader, MSME and industrialist should consider before approaching a bank for working capital or business finance.

I hope you find it useful. If you believe it may benefit entrepreneurs, business owners or professionals in your network, I would appreciate your sharing it with them.

Your comments and feedback are always welcome.

— Ashok Kakkar

04/08/2026

03/08/2026

My Latest Article Published on TaxGuru

My Latest Article Published on TaxGuru I am pleased to share that my latest article, "How Entrepreneurs & MSMEs Can Raise Business Finance from Banks & Financial Institutions," has been published on TaxGuru. The article provides practical guidance for entrepreneurs, MSMEs, professionals and business owners on understanding different business credit facilities, preparing before approaching a bank, appreciating how loan proposals are evaluated, and building a long-term banking relationship based on transparency and financial discipline....

My Latest Article Published on TaxGuru I am pleased to share that my latest article, “How Entrepreneurs & MSMEs Can Raise Business Finance from Banks & Financial Institutions,” …

03/08/2026

I'm pleased to share that my latest article, "How Entrepreneurs & MSMEs Can Raise Business Finance from Banks & Financial Institutions," has been published by TaxGuru.
The article provides practical guidance on preparing for business finance, understanding bank expectations and building a stronger loan proposal.
I invite you to read the article and share your valuable feedback.

Practical guide to business finance covering bank loans, credit appraisal, documentation, borrower responsibilities and the legal framework.

01/08/2026

I am pleased to share that my latest article, "Starting an NGO in India? Choose the Right Legal Structure – A Practical Guide to Companies, Trusts and Societies," has been published on CAclub India.

Confused between a Section 8 Company, Trust, or Society for your NGO? This practical guide explains the key differences, governance models, compliance requirements, and factors to consider when choosing the right legal structure for a non-profit organisation in India