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📅 Daily Insight
12 June 2026
Cash FlowA business can be profitable on paper and still run out of cash. This happens when customers take 90 days to pay but suppliers demand payment in 30 days. The gap — called the cash conversion cycle — is what kills otherwise healthy businesses. Indian SMEs with export operations are particularly vulnerable because LC-based payments can delay receivables by 60–120 days. Monitoring working capital weekly, not monthly, is the difference between surviving and thriving.
— Adhara Research Team
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Most business owners look at profit and loss. The balance sheet tells a deeper story — about what you own, what you owe, and whether your business is genuinely healthy. Here is how to read one in 15 minutes.
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Latest firstMost business owners look at profit and loss. The balance sheet tells a deeper story — about what you own, what you owe, and whether your business is genuinely healthy. Here is how to read one in 15 minutes.
A profitable business can run out of cash. Debtor credit gaps, slow-moving inventory, and ITC locked in the GST system are the three silent drains. Here are five warning signs to catch the problem before it becomes a crisis.
Most Indian businesses lose ITC every month without knowing it. GSTR-2B mismatches, cancelled supplier invoices, and rate errors are the four main causes. Here is how to identify and recover them.
Working capital is the money available for day-to-day operations. Too little and you cannot pay suppliers. Too much and you are wasting resources. Here is how to calculate and manage it.
Kingfisher had the best brand in Indian aviation. It had full planes and celebrity endorsements. And it collapsed spectacularly. The financials told the story years before the end — if anyone was reading them.
A chartered accountant's guide to what documents, reconciliations and confirmations should be ready before filing season begins — and how to stop chasing clients at midnight.
LC-based export transactions can lock up working capital for 60–120 days. Understanding the LC cycle — and how to finance against it — is essential for any export business.
Dead stock is dead money. Inventory turnover ratio tells you how efficiently you are converting stock into sales. Here is how to calculate it and what the benchmarks are for Indian retail.
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Revenue was growing. Debt was growing faster. The full story told through balance sheets and cash flow statements.
Research in progressA review of 847 Indian SMEs found that 68% systematically underestimate working capital requirements in their first 3 years.
Coming next weekAsian Paints' working capital is negative — meaning suppliers fund their operations. This is how they achieved it.
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