- https://www.yes.bank.in/
- https://www.yes.bank.in/blogs/msme/what-is-cash-credit
Banks provide cash credit to businesses as a short-term loan up to a certain limit. Businesses can withdraw this money when their account lacks the necessary funds. Unlike traditional loans, cash credit works as a revolving credit facility, meaning businesses can withdraw, repay, and borrow again within the predetermined limit set by the bank.
Let's understand the workings of cash credit with an example. XYZ Ltd. is a clothing company, and the bank has approved a cash credit limit of Rs 70 lakh based on its working capital needs. The company uses Rs 40 lakh to cover the purchase of materials for a new project. XYZ Ltd. will now pay interest only on the Rs 40 lakh used, not on the full limit of Rs 70 lakh.
After a few weeks, the company receives payments and repays Rs 20 lakh of the amount borrowed. The pending balance is now Rs 20 lakh, and interest will be charged only on this amount. XYZ Ltd. can continue to borrow from the remaining credit limit of Rs 50 lakh as needed.
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Uses of cash credit
Managing working capital: Sometimes, businesses need urgent funds for their day-to-day operations. Cash credit provides immediate funds for inventory purchases, employee wages, and other expenses.
Meeting short-term financial needs: Businesses often experience delays in payment from their clients. However, they still need to pay their suppliers to keep the business operating. In such instances, cash credit helps bridge this gap by providing quick access to funds.
Covering seasonal business cycles: Many businesses, especially in industries like retail and agriculture, face seasonal fluctuations in demand. Cash credit helps these businesses expand their operations optimally without facing financial burdens and maximise their profits. On the other hand, during slow periods, cash credit helps businesses run their essential operations smoothly, covering day-to-day expenses without straining their cash flow.
Covering unexpected expenses: A business can face any uncertainty like equipment breakdown or market fluctuations that demand immediate funds to maintain operations. Cash credit provides quick access to capital, enabling businesses to handle unexpected expenses such as emergency repairs, sudden increases in raw material costs, or other unforeseen challenges without disrupting cash flow.
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Importance of cash credit
Liquidity management: Cash credit helps businesses maintain liquidity. It gives businesses a steady flow of funds to meet their operational expenses, so they don't need to liquidate their assets.
Cost-effective borrowing: Since interest is only charged on the amount used, cash credit is more cost-effective than loans, which charge interest on the entire loan amount regardless of usage.
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Flexibility: Cash credit offers the flexibility of borrowing, repaying, and borrowing again. This flexibility ensures that companies have access to funds when they need them most without applying for new loans each time.
Improves business stability: Cash credit helps businesses gain financial stability by fulfilling their short-term money requirements.
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Flexibility: Cash credit offers the flexibility of borrowing, repaying, and borrowing again. This flexibility ensures that companies have access to funds when they need them most without applying for new loans each time.
Improves business stability: Cash credit helps businesses gain financial stability by fulfilling their short-term money requirements.
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To sum up
Cash credit is a valuable tool for businesses to manage short-term financial needs and keep operations running smoothly. For businesses that need a trusted partner to obtain cash credit, YES BANK is a go-to option, offering customised cash credit solutions designed to meet unique business
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TO GET WHAT YOU WANT
Friday, October 23, 2026
CASH CREDIT WHAT?
Wednesday, October 21, 2026
COPPER BRONZE WHITENER
You can make an effective, natural homemade cleaner for copper, and bronze using simple kitchen ingredients like vinegar, salt, and citric acid to dissolve tarnish and oxidation.
DIY Cleaning Paste / Solution Recipes
- Citric Acid & Salt Solution: Mix 2 teaspoons of citric acid, 1 teaspoon of salt, 2 teaspoons of dish soap, 1 teaspoon of white vinegar, and 3 teaspoons of water. Apply the paste or solution to the metal surface, scrub gently, and rinse thoroughly.
- Vinegar & Salt Soak: Dissolve 1 tablespoon of salt into 1 cup of warm white vinegar. Soak the copper or bronze item for about 5 to 10 minutes, then rinse with water and dry with a soft cloth.
- Lemon & Salt Scrub: Cut a fresh lemon in half, sprinkle table salt generously over the cut side, and rub it directly onto the tarnish. Rinse and buff dry
- Mild Soap & Water (For Bronze): Mix 2 to 3 drops of mild dish soap with 2 cups of warm water and clean with a soft-bristled brush to avoid damaging delicate bronze finishes.
Tips
- Avoid harsh steel wool: Coarse scrubbers scratch softer metals like copper and bronze; use a soft sponge or microfiber cloth instead.
- Dry immediately: Moisture left on copper and bronze causes rapid re-tarnish and water spots; always dry completely after washing.
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Sunday, October 18, 2026
18 FUN FACTS AROUND THE WORLD
- https://www.thefactsite.com/number-18-facts/
- At the age of 18, you are also considered a legal adult in most countries and are fully responsible for your actions past this point.
- turning 18 is that you’re finally allowed to legally order and drink alcohol in many countries such as England or Australia
- In the game of Australian Rules Football, there are 18 players from each team on the field at all times. In the Women’s AFL league there are only 16 players per team.
- The number 18 is considered a lucky number in Chinese tradition.
- It’s considered lucky because the way it is pronounced is similar to how the phrases “definitely get rich” and “to get rich for sure” sound.
- Here’s one for the golfers out there – a regulation golf course has 18 holes, no more, no less.
- The Bhagavad Ghita, one of such scriptures, has 18 chapters.
- Another Hindu epic called the Ramayana has a battle between the deity Rama and a demon that lasts 18 days.
It’s most commonly used in fluorescent light bulbs.
Argon is also within a part of the periodic table called group 18, the last column.
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The 18th president of the United States was Ulysses S. Grant, most famous for leading the Union armies to victory in the civil war. He went on to serve for two peaceful terms as president.
A mind-blowing average of 18 SIZE of pizza is consumed by Americans every dAY.
Many teenagers spend a good amount of time dreaming of the day they turn 18 and gain a bit of freedom from their parents.
That being said, 18 isn’t just a significant age, it’s also found everywhere you look in everyday life!
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Wednesday, October 14, 2026
ARSI APPALAM
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