CCP articles
Fresh articles on syllabus changes, RBI policy moves, and high-yield revision tactics — written for working bankers who study after office hours.
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...
CMA data in credit appraisal: forms, ratios and limits (CCP)
CMA data in credit appraisal is the single most examined input a credit officer handles: a standard set of statements in which the...
Cash Flow Based Lending for MSMEs: Data, Structuring and Monitoring for CCP
For the IIBF Certified Credit Professional paper, cash flow based lending is the single biggest shift you must be able to explain:...
Loan Syndication in Banks: Structure, Roles and Fees (CCP)
Loan syndication in banks is the practice of structuring one large credit facility that is jointly funded by two or more lenders u...
One Time Settlement of Loans: OTS Policy, Sacrifice and Approval (CCP)
When a loan account slips into serious default and the security value can no longer cover the outstanding dues, banks weigh two pa...
Wilful Defaulters Classification Norms: RBI Master Direction and Process (CCP)
Every credit officer eventually meets an account where the borrower simply will not pay, even though the money exists somewhere. T...
Export Credit and Pre-Shipment Finance: CCP Study Guide
Exporters need bank credit at two very different points in the trade cycle: before shipment, to procure raw material and manufactu...
Commercial Real Estate Exposure Norms: Risk Weights and Appraisal (CCP)
Commercial real estate exposure norms decide how much capital your bank sets aside every time it funds a builder or a housing proj...
Stock Audit and Unit Inspection in Banks: Scope and Red Flags (CCP)
For any CCP candidate handling working-capital accounts, stock audit and unit inspection in banks is not a side topic — it is the...
MPBF in Working Capital Assessment: A CCP Study Guide
For anyone preparing for the IIBF Certified Credit Professional (CCP) exam, understanding MPBF in working capital assessment is on...
Takeover of Loan Accounts from Other Banks: Due Diligence (CCP)
When a corporate or retail borrower shifts from one bank to another, the transferee bank is not just pricing a loan — it is inheri...