Blogs
In-depth articles, opinions, and product updates from the YuVerse team.
1219 posts
- NBFCs & LendingHow To GuideMSME loan underwriting processMSME credit appraisal
MSME Loan Underwriting Process in India: From Lead to Sanction, Step by Step
Walk the MSME loan underwriting process in India stage by stage — Udyam, bureau, GST, spreading, MPBF, CGTMSE, CAM, sanction. See the TAT at every step.
YTYuVerse TeamOct 15, 2026·1 min read - NBFCs & LendingHow To GuideForm 26AS analysis for lenders26AS for loan underwriting
Form 26AS Analysis for Lenders: Using TDS Data to Validate Declared Income
Form 26AS analysis for lenders: what each part contains, how AIS and TIS differ, and a worked example matching TDS receipts against declared income line by
YTYuVerse TeamOct 13, 2026·1 min read - NBFCs & LendingWhat Is ExplainerGST return analysis for lendingGST based loan underwriting
GST Return Analysis for Lending: A Complete Framework for Indian Credit Teams
GST return analysis for lending, end to end: what GSTR-1, 3B and 2A/2B each prove, how to reconcile GST turnover with the ITR, and how to read filing delays.
YTYuVerse TeamOct 10, 2026·1 min read - NBFCs & LendingRoi Cost Guidedrawing power calculationdrawing power formula cash credit
Drawing Power Calculator: Formula, Margin Rates and a Worked Cash Credit Example
Drawing power calculation step by step: the DP formula, margin rates on stock and book debts, and a worked cash credit example.
YTYuVerse TeamOct 8, 2026·1 min read - NBFCs & LendingHow To GuideMPBF calculationmaximum permissible bank finance formula
MPBF Calculation Explained: Formula, Worked Example and Common Mistakes
MPBF calculation, worked in rupees. See Method I and Method II side by side on the same borrower, the formula behind the gap, and the mistakes to avoid.
YTYuVerse TeamOct 6, 2026·1 min read - NBFCs & LendingEducational GuideCMA data format in excelCMA report format
CMA Data Format in Excel: All 7 Statements Explained with a Free Download
CMA data format in Excel, explained sheet by sheet. Build all 7 statements with the right formulas and tie-out checks, and download the free template.
YTYuVerse TeamOct 3, 2026·1 min read - NBFCs & LendingWhat Is ExplainerCMA datawhat is CMA data
What Is CMA Data and Why Do Indian Banks Ask for It Before Sanctioning Working Capital?
CMA data is the seven-statement financial pack Indian banks ask for before sanctioning working capital. See what each statement holds and how MPBF is derived.
YTYuVerse TeamOct 1, 2026·1 min read - NBFCs & LendingHow To Guidedrawing power formula cash creditdrawing power calculation
Drawing Power vs Ratio Covenants in Cash Credit Facilities
Drawing power moves monthly, covenants test quarterly — see a worked 12-month Indian cash credit example where they diverge, and what the credit team must do.
YTYuVerse TeamSep 29, 2026·1 min read - BFSIUse Case Listiclecredit analysis ratiosfinancial ratios lenders look at
Credit Analysis Ratios: The 24 Metrics That Actually Drive a Lending Decision
See the 24 credit analysis ratios lenders actually decide on — formula, indicative threshold, how each is gamed
YTYuVerse TeamSep 26, 2026·1 min read
