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Gold medalist for two consecutive years (1973 & 1974), the author is

a banker having 38 years of experience in credit and continues as a

guest faculty for all subjects specifically on credit appraisal, analysis of

financial statements, working capital finance and Risk management

in various banks across India and Universities like Sharda University and Amity

University for more than 10 years. He has worked at Oriental Bank of commerce

and made substantial changes in credit policy of the bank; keeping in view the

difficulties faced by the field functionaries and framed credit risk management

policy during the period 2005-08.

His debut book “Working Capital Management & Finance” has internationally been



A graduate in B.Tech (Hons) Information & Technology and MBA

(operations) from IIM-Kozhikode (2011), he currently works as a

Solution Architect for ERP solutions handling large projects across the

globe. With more than one and half decade experience in software

engineering and management across the industry domain, he is an avid reader with


key interest in technology and operations.


This is the first book for bankers and finance managers on credit appraisal

with analysis of financial statements in very simple language covering

various problems being faced by the officers of almost all banks specifically

after introduction of Company Act 2013. The book has been updated to

30.06.2017. Mounting NPAs & disciplinary actions in the banks are reported

to be a result of weak appraisal. This book has covered all such aspects to

understand logically with all i...

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This is the first book for bankers and students of MBA (Finance) on working capital in simple language covering various problems being faced by the new officers joining the banks since last one decade. This book is very convenient and understandable logically with all the ins & outs of the working capital management and its finance. It will prove to be a bible for all the officers who are working in the banks including the students of MBA (Finance) but have no background of financial terminology and its technical aspects with logical understanding. ...

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