Imagine you are reviewing a client’s portfolio proposal for an HNI client who is frustrated by the limited alpha generated by traditional index-linked schemes. As an analyst, you realize that simply selecting a fund...
Imagine you are sitting across from a high-net-worth client who has expressed interest in an Alternative Investment Fund (AIF) solely because they heard about its recent top-quartile performance. As an advisor, your task...
Imagine you are an analyst conducting due diligence for a high-net-worth client who is deciding between a retail-focused Multi-Cap Mutual Fund and an Alternative Investment Fund (AIF) Category III. As you map out the...
During a credit analysis session for a mid-cap manufacturing firm, I once observed a junior analyst reviewing a restructuring proposal that looked mathematically sound at first glance. The firm was proposing a...
Imagine you are reviewing the semi-annual performance of a mid-sized NBFC in India. You notice a cluster of MSME loans that have been recently restructured rather than classified as Non-Performing Assets (NPAs). As a...
Imagine you are analyzing a client’s portfolio who has recently approached a bank to restructure a significant retail loan. The bank suggests a common remedy: extending the loan tenure from 10 to 15 years to immediately...
Imagine you are reviewing the debt profile of a mid-cap manufacturing firm for a credit research report. You notice that the company recently restructured a working capital loan, extending the tenure from three years to...
Imagine you are a research analyst evaluating a client’s portfolio that includes a long-term corporate credit facility or a high-value home loan. While reviewing the cash flows for your debt-service coverage ratio (DSCR)...
Imagine you are reviewing a client’s portfolio, and you notice their home loan repayment schedule suggests they are paying off the principal too slowly. As a research analyst, you need to determine if this is due to a...
Imagine you are reviewing a client’s portfolio, and they present two home loan options in the Indian market: one with a standard amortization schedule and another offering a zero-penalty prepayment facility. As an...