CCP articles
Fresh articles on syllabus changes, RBI policy moves, and high-yield revision tactics — written for working bankers who study after office hours.
Internal Credit Rating Model in Banks: Scorecards, Grades and Validation
Every bank sanctioning a term loan or a working capital limit above a threshold runs the borrower through an internal credit ratin...
Stressed Asset Resolution: RBI Framework for CCP Exam
Stressed asset resolution is the time-bound discipline RBI imposes on lenders from the day a borrower first defaults: identify the...
Second Method of Lending: MPBF Assessment for CCP Aspirants
Working capital assessment is one of the most numerical-heavy parts of the credit appraisal syllabus, and the second method of len...
Certified Credit Professional Syllabus: IIBF CCP Exam Pattern 2026
If you are preparing for IIBF's Certified Credit Professional exam, the certified credit professional syllabus is the one document...
Wilful Defaulter Classification: RBI Rules Explained
Not every default is a credit event — some are a deliberate choice, and RBI treats the two very differently. Wilful defaulter clas...
Debt Equity Ratio for Project Finance Loans Explained
The debt equity ratio for project finance is one of the first numbers a credit officer checks after the techno-economic viability...
Income Recognition and Asset Classification: IIBF CCP Guide
Every credit officer eventually meets the moment when a healthy account stops behaving. What happens next is not a judgement call...
Bill Discounting and Bills Purchase in Bank Credit (IIBF CCP)
Bill discounting and bills purchase is the one working-capital product where the source of repayment is written into the instrumen...
Capital Adequacy Ratio for Banks: CRAR Under Basel III
Every credit sanction a bank makes eats into a finite resource: regulatory capital. Before a Certified Credit Professional signs o...
Techno Economic Viability Study in Project Finance (CCP)
Every term loan for a greenfield or brownfield project rests on one document more than any other: the appraisal note built around...
How the debt service coverage ratio decides term loan sanction
In term loan and project finance appraisal, the debt service coverage ratio is the one number that decides whether a proposal is b...
Non Fund Based Credit Limits Explained: LC, BG & Risk (2026)
For every rupee a bank lends as cash credit or a term loan, it also carries a quieter book of promises — undertakings that cost no...