Introduction On a humid Monday in Nagpur, a stationery shop owner named Meera stared at full shelves and an empty cash drawer. Sales were fine, but suppliers were calling for payment, staff needed salaries, and a big school order was due next week. The business was not failing; it was simply stuck between money tied […]

Introduction On a drizzly morning in Kolhapur, Sanjana, who runs a small spice processing unit, faced two neat files. One proposed a new grinder that would cut wastage. The other suggested a small packaging line to sell retail packs. Both looked promising, but the firm had funds for only one. Instead of guessing, Sanjana used […]

Introduction On a quiet evening in Bhopal, Sanjana arranged school fee receipts, rent slips, and her father’s pharmacy bills on the dining table. Income arrived on the first of every month, yet the numbers felt scattered. Her neighbour Kabir suggested a plain exercise. Write each goal, assign a date, and give every rupee a job. […]

Introduction In Coimbatore, Kavya runs a small packaging unit that supplies boxes to food brands. One week, diesel prices rose, the rupee slipped, and her biggest buyer asked for more time to pay. She did not rush. She opened a simple risk plan she had prepared earlier, called a second transporter already approved, used a […]

Introduction Let’s say you own a bakery. It’s doing well, and after paying for flour, staff, electricity and everything else, you’ve got some money left. Now the big question is – should you keep all that money in the business, or share some of it with your family who helped you build it? This decision […]

Introduction Alright, let’s not complicate things—when people say “financial markets,” they’re not talking about some top-secret place where billionaires hang out in suits. It’s just a fancy term for places (physical or online) where money moves around. That’s it. It’s where people go to buy and sell stuff like company shares, government bonds, or even […]

Introduction Ever put money into something and then watched it lose value overnight? Not because you did anything wrong, but because everything seemed to crash at once? That’s market risk. It’s not personal. It doesn’t care how smart you are or how carefully you picked your investment. It just shows up, uninvited, and messes things […]

Introduction Let’s keep it real. If you’ve ever lent money to a friend and then spent weeks chasing them for repayment, congratulations — you’ve experienced credit risk. In the world of finance, this isn’t just a minor worry. It’s a big deal. Banks, companies, investors — everyone faces it. The idea is simple: What if […]

Let’s face it — banks may look all fancy with their tall buildings and shiny apps, but behind the scenes? It’s chaos if things aren’t managed well. One wrong click, one broken process, or one angry hacker — and boom, things can go south really fast. That’s where operational risk kicks in. It’s not the […]