CA Arpit Suresh Kabra

27/08/2026

21/08/2026

Did you know? Interest rates are generally of two types:

✅ Fixed Interest Rate – Remains unchanged throughout the agreed period.

✅ Floating Interest Rate – Changes based on a benchmark rate, such as the RBI Repo Rate, MCLR, or any other benchmark specified by the lender.

A floating interest rate can change due to two key reasons:

1️⃣ A change in the benchmark rate (for example, an increase or decrease in the RBI Repo Rate).

2️⃣ A change in the borrower's credit profile. During the renewal or review process, if the company's financial performance or credit rating changes, the bank may revise the interest spread, which can impact the effective interest rate.

Understanding how your interest rate works is just as important as knowing what your current interest rate is.

📌 Follow this page for practical insights on business loans, banking, and corporate finance.

16/08/2026

Have you ever chosen a loan just because it had the lowest interest rate?

A lower interest rate does not always mean a better loan.

The real risk often lies in the clauses hidden inside the sanction letter—clauses that many borrowers overlook.

Before accepting a business loan, don't evaluate only the interest rate. Also review:

✔️ Prepayment Clause – Will it be expensive to close or refinance the loan in the future?

✔️ Interest Reset Clause – Is your interest rate fixed, or can it increase over time?

✔️ Margin Requirement – Will the lender's margin requirement reduce your business liquidity?

The right questions are not just:

"What is the interest rate?"

Instead, ask:

• How much financial flexibility will I have?
• How predictable is my future borrowing cost?
• How much liquidity will remain available for my business?

A good sanction letter doesn't just offer a competitive interest rate—it protects your business in the long run.

💬 Need expert guidance before accepting a business loan? Please feel free to call us on 098206 82991

15/08/2026

🇮🇳 Celebrating Independence Day by empowering India’s finance professionals with knowledge!

It was such a pleasure conducting a Pan-India webinar for finance professionals on Corporate Loans & Credit Analysis.

It was wonderful to connect with professionals and aspiring finance leaders from across the country, united by a common goal — to learn, upskill and build stronger careers in Corporate Lending & Credit.

On this Independence Day, a simple thought:
Knowledge creates capability. Capability creates opportunity. And opportunity creates growth. 🇮🇳

Happy Independence Day! 🇮🇳

14/08/2026

🇮🇳 Happy Independence Day!

Celebrating the spirit of freedom, unity and progress that defines our great nation.

May we continue to dream bigger, work harder and contribute towards building a stronger and more prosperous India.

Jai Hind! 🇮🇳

09/08/2026

Many businesses continue paying higher interest simply because they never review their existing loan.

A Business Loan Balance Transfer isn't just about getting a lower interest rate. It's about building a smarter borrowing structure that aligns with your business goals.

Before transferring your loan, ask yourself:

✔️ Has my credit profile improved?
✔️ Have market interest rates declined?
✔️ Do I need additional funds to support business growth?

If the answer to any of these questions is Yes, it may be the right time to review your existing loan.

Remember, refinancing should always be evaluated based on the overall financial benefit—not just the interest rate.

💬 Want to know whether a Business Loan Balance Transfer makes sense for your business? Comment "TRANSFER" below.

29/07/2026

Not every loan accelerates business growth. Some loans can quietly slow it down.

One of the biggest financial mistakes businesses make is taking on more debt than they can comfortably repay.

Getting a loan approved is not the ultimate goal. Building the right debt structure is.

Before taking your next Working Capital or Term Loan, ask yourself:

✔️ Can my business comfortably service this debt?

✔️ Will my cash flow remain healthy after meeting my repayment obligations?

✔️ Will this borrowing support sustainable growth or create financial stress?

A well-structured borrowing strategy strengthens cash flow, improves financial stability, and lays the foundation for long-term business growth.

Remember:
Debt should support your business growth—not control it.

💬 If you're looking for expert borrowing guidance, comment "ADVISORY" below.

17/07/2026

Choosing the right bank is just as important as getting the loan.

Every bank has a different credit policy, interest rate, loan structure and approval process. The difference between two loan offers can significantly impact your borrowing cost and your business cash flow.

At Divyam Fincap Services, we don't just arrange funding—we help you compare, evaluate and negotiate with multiple banks to secure the most suitable Working Capital or Term Loan for your business.

If you're planning to raise finance, make an informed decision—not just a quick one.

💬 Comment "ADVISORY" and let's discuss the right funding solution for your business.