R.K.Gupta & Himanshu Gupta


Gold medalist for two consecutive years (1973 & 1974), the author is a banker having 38 years of experience in credit and continues as a visiting faculty on working capital finance, credit appraisal, analysis of financial statements,  and Risk management in various banks across India and Universities like Bennett University, Sharda University, Noida International and Amity University, NIESBUD 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.

Another book of Mr. Gupta titled “Credit Appraisal & Analysis of Financial Statements” 2nd edition of which is updated to 30.06.2018 has internationally been acknowledged.


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 a decade experience in software engineering and management across the industry domain, he is an avid reader with key interest in technology and operations.


Working Capital Management & Finance

Books by R.K.Gupta & Himanshu Gupta

The overwhelming support from readers, this is the 3rd edition of the book which has been updated to 31.05.2019.  Various banking authorities on credit, Entrepreneurs, Education Institutions have appreciated the language and contents of working capital in simple language covering various problems being faced by the officers joining the banks for the last two decade.  This book is very convenient and understandable logically with all the ins &a

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Credit Appraisal & Analysis of Financial Statement


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 Companies Act 2013. The book has been updated to 30.06.2018. Mounting NPAs & disciplinary actions in the banks are reported to be a result of weak appraisal. This book has covered all such aspects to unde

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