Banking credit
- Credit underwriting and appraisal notes
- Working capital, CMA data and MPBF
- LAP, home loan and business loan underwriting
- Interview preparation for credit roles
CA · 10+ years in bank credit · 1 lakh+ learners
I'm CA Ankush Jain. I spent 10+ years in bank credit, underwriting working capital, business loans and LAP from ₹10 lakh to ₹75 crore. Today I help bankers build their careers, finance learners master financial analysis, and MSMEs understand what lenders look for.
Ranked among the Top 1000 Coaches Worldwide, 2026
1 lakh+
learners worldwide
1,00,000+
learners across the world
85K+
YouTube subscribers
940+
lectures since 2021
10+ yrs
in bank credit
Worked at
IndusInd Bank
HDFC Bank
Kotak Mahindra Bank
ICICI Bank
Recognition · 2026
Ranked among the Top 1000 Coaches Worldwide
Recognised by Top1000.com in 2026, based on its data analysis of coaches around the world.
How I can help
Three areas. One practical, lender's-eye approach.
Financial analysis
- Reading balance sheets and P&L statements
- Ratios, cash flows and bank statements
- Industry and sector analysis
- Share market and derivatives basics
MSME guidance
- What banks check before they lend
- Working capital and project funding
- Government schemes for MSMEs
- One-to-one guidance calls
Inside a loan decision
How a bank decides on a loan, step by step.
Every proposal passes through these eight stages. Each one has a course that walks you through it.
- 1Application & KYCWho the borrower is: constitution, KYC and documents.Course: Business Constitutions Explained →
- 2Bureau & dedupe checksCIBIL report, past track record and internal dedupe.Course: Understanding CIBIL and Dedupe Checks →
- 3Financial analysisBalance sheet, P&L, cash flows and key ratios.Course: Full Financial Analysis Course →
- 4Banking behaviourBank statement: inflows, bounces and real turnover.Course: How to Analyse a Bank Statement →
- 5AssessmentWorking capital (CMA, MPBF) or term loan (DSCR).Course: How to Prepare CMA Data →
- 6Security & valuationProperty valuation and legal due diligence.Course: Property Valuation and Legal Due Diligence →
- 7Appraisal note & sanctionThe credit appraisal note, then terms and conditions.Course: How to Prepare a Credit Appraisal Note →
- 8Disbursement & monitoringPre-disbursement checks, drawing power and reviews.Course: Loan Disbursement Process →
Learn with me
From a single lecture to a full course, at your pace.
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1
LECTURES
YouTube lectures
Hindi & EnglishHundreds of lectures in Hindi on credit, financial analysis and banking careers, plus an English channel.
Watch on YouTube → -
2
COURSES
30 structured courses
On YouTubeGrouped for analysts, working capital and LAP credit managers, MSMEs and more.
Browse courses → -
3
MEMBERS
Channel membership
₹239 / month200+ members-only videos, a private Telegram group and priority replies to your questions.
Become a member → -
4
ONE-TO-ONE
Guidance call
₹1,000 / 30 minA personal call on your career, a credit question or your business's funding.
Book an appointment →
Courses
Pick a course and start today.
START HEREFinancial analysis
Full Financial Analysis Course
Read a company’s financial statements the way a credit analyst does, from first look to final view.
Watch on YouTube → START HEREWorking capital creditProfessional Course on Working Capital Credit
How banks assess, structure and monitor working capital limits for businesses.
Watch on YouTube → START HERELAP & unsecured loansHome Loans, LAP and Business Loans
A professional course on how banks evaluate home loans, loans against property and business loans.
Watch on YouTube → START HEREWorking capital creditHow to Prepare CMA Data
Build CMA data step by step, in the format banks use to assess working capital.
Watch on YouTube → START HEREBanking careersCredit Manager Interview Clearance Course
Prepare for credit manager interviews with the questions and concepts panels ask most.
Watch on YouTube → MSMEs & startupsMSME and Startup Essentials
What every small business owner and startup founder should know about finance and bank loans.
Watch on YouTube →Testimonials
What learners say.
New jobs, promotions and better work, in their own words. Names are hidden for privacy.
I started my career in 2024 as a Sales Coordinator, where I handled loan login and disbursement processes. While working there, I enrolled in your complete Credit & Underwriting (Non-Commerce) course. I followed a strict routine, watching your lectures every day from 5 to 8 AM and again from 8 to 10 PM, while making detailed notes. I completed the entire course between December 2024 and April 2025. In June/July 2025 I joined [a bank] as a Credit Officer. Today, after one year in the banking industry, I have been promoted to Branch Credit Manager, and my overall salary has increased by nearly 70–80% over the past two years.
I was previously working in a CPA role, and after following your guidance and understanding the industry better through your videos, I have now moved into a CM role in Business Loans. Your explanations and career insights played a meaningful role in helping me make this transition.
With 8 plus years of experience in working capital, I must say that the teaching way of Ankush sir is unmatched. The way he simplifies complex concepts is remarkable. Even those who are serving in banks at senior levels are sometimes unaware of the nuances of these concepts. Kudos to him!
I did your working capital credit course as a fresher and bagged a job in co-lending as a product analyst in an NBFC. I was really stuck, and you came as a guiding light. Now I am earning well through my job and have become financially independent.
I want to say a very big thank you. All your working capital videos are very helpful. I have been working in a bank for 6 years in the same department, but my concepts were still not clear. After watching your videos, not only are my concepts clear, the quality of my CAM writing has improved too. I owe my improvement completely to you, sir.
I'm from Tamil Nadu and I don't know Hindi, but I used to watch the Hindi channel even though I could follow only around 25 percent of it. Your English channel is like God's blessing for people like me who don't know Hindi and work in a bank job. Your classes are very helpful, and I used to take notes from them for my interviews.
What you'll learn
The work credit and finance teams do every day.
Credit appraisal notes
Financial statement analysis
CMA data Forms II–VI
Working capital assessment MPBF
DSCR & repayment capacity
Bank statement analysis
Project funding
LAP & property valuation
CIBIL & dedupe checks
Industry analysis
Government schemes for MSMEs
Import & export finance
Credit manager interview prep
Free tool
DSCR calculator
Check whether a business earns enough cash to repay its term loan this year. Enter figures in ₹ lakh.
Debt service coverage ratio
1.73times
1.25 or above: comfortable cover.
Cash available for debt service₹28.50 L
Debt service due₹16.50 L
DSCR = (PAT + Depreciation + Interest on term loan) ÷ (Interest on term loan + Principal repayment). Banks work this out year by year over the loan tenure and look at both the average and the weakest year.
THEGATE
KEEPER EBOOK · 2026
KEEPER EBOOK · 2026
The book
The Gate Keeper
A practical book for credit managers. It walks through how a loan proposal is read, questioned and decided, in plain language anyone can follow, with case studies, tables and worked examples.
- How a credit manager thinks before saying yes or no
- Reading financials, CMA data and bank statements for risk
- Real-world cases, fully anonymised
Join the waitlist →
Waitlist members get first access on launch day.
For business owners
Need bank finance, or a CFO without a full-time hire?
I work with growing MSMEs on the numbers a lender will ask about.
- CMA data and loan proposals a bank can assess quickly
- Working capital and cash-flow planning
- Virtual CFO support for growing businesses
About
CA Ankush Jain
CACSM.ComUGC NET
I spent over ten years in bank credit across IndusInd Bank, HDFC Bank, Kotak Mahindra Bank and ICICI Bank, underwriting working capital, business loans and loans against property.
In 2021 I started teaching on YouTube what I learnt at the credit desk. Today I also support MSMEs as a virtual CFO.
Read my story →From the blog
Latest articles
DSCR explained: the ratio every term loan rests on
What debt service coverage ratio measures, how banks calculate it, the levels they look for, and the mistakes that make a strong-looking DSCR fall apart.
Read the article →Drawing power: why your cash credit limit isn't all yours to use
Your bank sanctioned ₹75 lakh, so why can you only draw ₹60 lakh? A plain-language guide to drawing power, margins and the stock statement, for bankers and business owners.
Read the article →How banks size working capital limits: MPBF and the Tandon methods
Maximum permissible bank finance, the three Tandon Committee methods and the turnover method, explained with one worked example and what each means for the borrower's current ratio.
Read the article →Quick links
