Fun with Finance

19/05/2026

𝗙𝗼𝗿 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝗳𝗲𝘄 𝘆𝗲𝗮𝗿𝘀, 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝘄𝗲𝗿𝗲 𝗿𝗲𝘄𝗮𝗿𝗱𝗲𝗱 𝗳𝗼𝗿 𝗼𝗻𝗲 𝘁𝗵𝗶𝗻𝗴:
𝘼𝙜𝙜𝙧𝙚𝙨𝙨𝙞𝙫𝙚 𝙚𝙭𝙥𝙖𝙣𝙨𝙞𝙤𝙣.
- More funding.
- More hiring.
- More branches.
- More growth at any cost.
But the Indian market is changing.

As a Corporate Finance Consultant, I’m seeing a clear shift in investor and lender behavior in 2026:

𝗣𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗶𝘀 𝗯𝗲𝗰𝗼𝗺𝗶𝗻𝗴 𝗺𝗼𝗿𝗲 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝘁𝗵𝗮𝗻 𝗽𝘂𝗿𝗲 𝗴𝗿𝗼𝘄𝘁𝗵.
𝙏𝙤𝙙𝙖𝙮, 𝙨𝙚𝙧𝙞𝙤𝙪𝙨 𝙞𝙣𝙫𝙚𝙨𝙩𝙤𝙧𝙨 𝙖𝙧𝙚 𝙖𝙨𝙠𝙞𝙣𝙜:
- What are your unit economics?
- How predictable is your cash flow?
- How strong are your MIS systems?
- Do you have financial visibility across operations?
- Is growth sustainable, or financially stressful?

𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝘄𝗶𝘁𝗵:
✅ Strong governance
✅ Better financial controls
✅ Operational discipline
✅ Healthy cash flow management
will attract more confidence than businesses chasing scale without structure.

The strongest companies in 2026 may not be the fastest-growing ones…
They may simply be the most financially disciplined.
And honestly, that’s a healthier direction for Indian entrepreneurship.

Retailers Association of India

Call now to connect with business.

11/05/2026

If you are a CA student, your articleship isn't just a requirement; it’s the "Beta Phase" of your professional life.

Landing a spot at the best CA articleship vacancy in Chennai requires more than just clearing your Inter exams; it requires a strategy that treats the application process like a high-stakes consulting project.

Whether you aim for the Big Four or a high-impact boutique consulting firm, your approach starts here.
Read the full roadmap: https://candbindia.com/apply-for-the-best-ca-articleship-vacancy-in-chennai/

Looking for the best CA articleship vacancy in Chennai? Master your resume, ace the interview, and land a role at a top firm with our expert career guide.

04/05/2026

𝗜𝘀 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗿𝗲𝗮𝗱𝘆 𝘁𝗼 𝗺𝗼𝘃𝗲 𝗳𝗿𝗼𝗺 "𝗣𝗿𝗶𝘃𝗮𝘁𝗲" 𝘁𝗼 "𝗣𝘂𝗯𝗹𝗶𝗰"?
For many Indian founders, the dream is to ring the bell at the exchange. But the leap to a Mainboard IPO can feel miles away. This is where the SME IPO becomes a game-changer.

An SME IPO on NSE Emerge or BSE SME isn't just about raising capital; it’s about institutionalizing your legacy, improving your credit rating, and creating a currency for future acquisitions.

In our latest guide, we break down:
✅ What is an SME IPO and how it differ from a Mainboard listing
✅ Eligibility criteria (Net worth and Profitability requirements)
✅ The step-by-step process from due diligence to the big day.
✅ Why the "Valuation" mindset must start 24 months before you list.

If you are a founder aiming to scale from ₹50 Cr to ₹500 Cr, this is your roadmap to the capital markets.
Read the full beginner’s guide here: https://candbindia.com/sme-ipo-in-india-a-complete-beginners-guide-for-founders

Wondering what is SME IPO? Our guide for founders explains the benefits, eligibility, and process of listing on NSE Emerge or BSE SME to fuel your growth.

29/04/2026

Your articleship is the most critical "beta test" of your career. It’s where you stop being a student and start becoming a professional.

Choosing the right firm in a hub like Chennai isn't just about the stipend, it’s about the learning ROI. Whether you’re interested in Statutory Audit, Taxation, or the growing world of Corporate Finance, your three years of training will define your trajectory as a CA.

Don't just find a vacancy; find a launchpad.
Read the full guide here: https://candbindia.com/ca-articleship-vacancy-in-chennai-choosing-the-right-firm/

Searching for a CA Articleship Vacancy in Chennai? Learn how to choose the right firm, build essential technical skills, and chart your career path early.

27/04/2026

𝗧𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗯𝗮𝗻𝗸 𝗹𝗼𝗮𝗻𝘀 𝗮𝗿𝗲 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝘁𝗵𝗲 𝗼𝗻𝗹𝘆 𝘄𝗮𝘆 𝘁𝗼 𝗳𝘂𝗲𝗹 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀'𝘀 𝗴𝗿𝗼𝘄𝘁𝗵.
With India’s private credit market projected to hit $70 Billion by 2028, smart founders are moving toward flexible, non-dilutive capital like Revenue-Based Financing and Mezzanine Debt.

As a consultant to many ₹50Cr+ enterprises, I see this shift as a "Strategic Freedom" play. Private debt allows you to scale, acquire, or manage succession without giving up a single percentage of equity.

It’s time to move beyond the rigid "one-size-fits-all" banking model.
Read our full deep dive here: https://candbindia.com/private-debt-for-family-businesses-beyond-bank-loans/

Discover how Indian family businesses leverage private debt, RBF, and mezzanine financing to scale without equity dilution. Move beyond traditional banking.

24/04/2026

𝗛𝗶𝗴𝗵 𝗶𝗻𝗰𝗼𝗺𝗲 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝗲𝗾𝘂𝗮𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗲𝗮𝗰𝗲.
Many successful Indian women face a "security gap" due to cultural expectations and lack of long-term planning. This blog explores why earning well isn’t enough and how to shift from surviving to thriving through strategic wealth ownership.
Read more: https://rathandeep.com/why-high-income-indian-women-still-feel-financially-insecure/

Introduction It’s a paradox many Indian women face: despite earning well, sometimes even outpacing their peers or partners, they still feel financially insecure. This insecurity isn’t about numbers alone; it’s about mindset, cultural conditioning, and systemic gaps. As a personal finance coach...

17/04/2026

As a Personal Finance Coach, I see many women compromise their wealth by saying "Yes" to everyone else's needs. This blog explores setting financial boundaries to protect your future, guilt-free.

Stop funding others' priorities at the cost of your security.
Read more:
https://rathandeep.com/financial-boundaries-for-women-learning-to-say-no-without-guilt/

31/03/2026

“𝗕𝘂𝗿𝗻 𝗿𝗮𝘁𝗲 𝗯𝘂𝗶𝗹𝗱𝘀 𝗴𝗿𝗼𝘄𝘁𝗵.
𝗕𝘂𝘁 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝗱𝗲𝗰𝗶𝗱𝗲𝘀 𝘀𝘂𝗿𝘃𝗶𝘃𝗮𝗹.”
Sounds harsh? It’s reality.

Startups love talking about:
- Growth
- Scale
- Vision
But very few tracks:
How long can we survive?

You can be growing fast…
Signing clients…
Getting attention…
And still run out of cash.

👉 Because growth without cash flow is just temporary momentum.
Real businesses don’t just grow.
They sustain.

Ask yourself:
How many months of runway do you have?
Are you profitable or just funded?

Is your cash flow predictable?
- Growth excites investors.
- Cash flow keeps you alive.
𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗳𝗼𝗰𝘂𝘀𝗶𝗻𝗴 𝗼𝗻 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄? 𝗦𝗵𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝘃𝗶𝗲𝘄𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 𝗯𝗼𝘅!

19/03/2026

𝗙𝗿𝗼𝗺 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗟𝗶𝗺𝗶𝘁𝗲𝗱 𝘁𝗼 𝗣𝘂𝗯𝗹𝗶𝗰𝗹𝘆 𝗟𝗶𝘀𝘁𝗲𝗱: 𝗜𝘀 𝘆𝗼𝘂𝗿 𝗿𝗼𝗮𝗱𝗺𝗮𝗽 𝗿𝗲𝗮𝗱𝘆?
The surge in the Indian SME IPO market is more than just a trend; it’s a massive opportunity for growth-hungry founders to access public capital.

But the bridge between being a "Successful Business" and a "Listed Company" is built on compliance, eligibility, and rigorous preparation.

In our latest blog, we break down the fundamental question: How To Prepare Your Business For An SME IPO. We’ve mapped out the entire journey so you can focus on leading, while the systems handle the listing.

What we dive into:
✅ The Eligibility Filter: Financial and net worth criteria for NSE Emerge and BSE SME.
✅ The 5-Stage Process: From due diligence and DRHP filing to the final bell ringing.
✅ The Role of Support: Why your choice of merchant bankers and consultants can make or break your issue.

Start your journey here: https://candbindia.com/how-to-prepare-your-business-for-an-sme-ipo

Ready to list? Learn How To Prepare Your Business For An SME IPO with our guide on eligibility, the filing process, and choosing the right consultants.

17/03/2026

𝗔𝗻 𝗜𝗣𝗢 𝗶𝘀 𝗮𝗻 𝗲𝘅𝗶𝘁 𝗳𝗼𝗿 𝘀𝗼𝗺𝗲, 𝗯𝘂𝘁 𝗮 "𝗦𝘁𝗮𝗿𝘁 𝗟𝗶𝗻𝗲" 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀.
The SME IPO platform in India has opened incredible doors for mid-sized enterprises. However, "Listing" brings a level of compliance and accountability that can break a fragile organization.

Before you dive into the paperwork, you need to conduct a brutal audit of your SME IPO Readiness. Our latest blog dives into the internal mechanics that decide whether an IPO will be a success or a struggle.

The Key Insight: Institutionalizing your processes before you list is much cheaper than doing it under the pressure of quarterly filings.

Inside the blog:
📍 Evaluating your Board's independence.
📍 Assessing the scalability of your current operations.
📍 Why the "Use of Proceeds" is your most important pitch.

Evaluate your readiness here: https://candbindia.com/sme-ipo-readiness-10-questions-every-founder-must-ask-before-filing

Is your business prepared for the big league? Assess your SME IPO Readiness with these 10 essential questions every founder must ask before filing. Read more!

14/03/2026

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗶𝘀 𝘆𝗼𝘂𝗿 "𝗕𝗶𝗴 𝗜𝗱𝗲𝗮" 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗼𝗿𝘁𝗵? 🤔
Valuing a startup is notoriously difficult because you’re often pricing potential rather than profit. We’ve simplified the process.

Check out our latest blog on 7 Startup Valuation Models For The Modern Entrepreneur. From the Berkus Method to the First Chicago Approach, we cover the essentials to help you navigate your next funding round with confidence.

𝗧𝗵𝗲 𝘁𝗮𝗸𝗲𝗮𝘄𝗮𝘆: 𝗔 𝘀𝗼𝗹𝗶𝗱 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗺𝗼𝗱𝗲𝗹 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗯𝗲𝘀𝘁 𝘁𝗼𝗼𝗹 𝗳𝗼𝗿 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗼𝗻.
Get the guide here: https://candbindia.com/7-startup-valuation-models-for-the-modern-entrepreneur/

Master the art of fundraising with our guide to 7 Startup Valuation Models. From Berkus to DCF, find the right approach for your venture. Start reading now!