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04/09/2026

🔥 DAY 35 | NBFC ADVANCED FINANCIAL ANALYSIS & KPI MONITORING
आज की Fintech Reconciliation Series में हमने सीखा कि NBFC में सिर्फ MIS बनाना काफी नहीं है — उस data से financial performance और management decisions निकालना भी जरूरी है। 📊
📚 आज के Key Topics:
✅ AUM / Loan Book Growth
✅ Disbursement Analysis
✅ Collection & Collection Efficiency
✅ DPD & NPA Trend
✅ Provision / ECL Analysis
✅ Borrowing & Cost of Funds
✅ Interest Income & Profitability
✅ Budget vs Actual
✅ Variance Analysis
✅ Root Cause Analysis
✅ Reconciliation KPI
✅ Exception & Ageing Monitoring
✅ Management KPI Dashboard
✅ Corrective Action Plan
💡 Practical Example:
Due Collection = ₹3.50 Cr
Actual Collection = ₹3.20 Cr
👉 Collection Efficiency = 91.43%
लेकिन असली analysis यहाँ से शुरू होता है:
Why? → Where? → Root Cause? → Impact? → Action?
🔥 Complete Financial Analysis Flow:
DATA → RECONCILIATION → KPI → TREND → VARIANCE → ROOT CAUSE → ACTION → DECISION
🎯 यह content NBFC Finance, Fintech Accounting, MIS, Reconciliation, Audit और Operations Professionals के लिए useful है।
➡️ NEXT: DAY 36 – NBFC ADVANCED PORTFOLIO & RISK ANALYSIS 🚀
📌 Follow + Share + Save करें और पूरी Basic to Advanced Fintech Reconciliation Series से जुड़े रहें।

03/09/2026

📊 DAY 34 | NBFC FINANCIAL MIS & MANAGEMENT REPORTING
NBFC में MIS सिर्फ report नहीं है — यह management decision-making का सबसे important tool है. 🚀
आज की class में सीखें:
✅ Loan Book MIS
✅ Disbursement MIS
✅ Collection MIS
✅ Collection Efficiency
✅ DPD & NPA MIS
✅ Provision / ECL MIS
✅ Interest Income & Finance Cost
✅ Borrowing MIS
✅ Profitability MIS
✅ LMS vs GL Reconciliation
✅ Reconciliation Dashboard
✅ Exception & Ageing Tracking
✅ Management KPI Dashboard
💡 Practical Formula:
Opening Loan Book + Disbursement − Principal Collection − Write-off = Closing Loan Book
Example:
₹10 Cr + ₹2 Cr − ₹1.20 Cr − ₹0.10 Cr
= ₹10.70 Cr Closing Loan Book 📈
🔥 Golden Rule:
“MIS = Data + Reconciliation + Analysis + Decision.”
अगर आप NBFC / Fintech Accounting, Finance, MIS या Reconciliation में काम करते हैं, तो इस series को जरूर follow करें.
➡️ NEXT: DAY 35
Advanced Financial Analysis & KPI Monitoring 📊🔥
📌 Save • Share • Follow for daily Fintech & NBFC learning.

02/09/2026

🚨 DAY 33 | NBFC FRAUD RISK & RECONCILIATION CONTROLS
NBFC में हर reconciliation difference fraud नहीं होता — पहले reconcile करें, फिर investigate करें. 🔍
आज की class में सीखें:
✅ Fraud Risk & Fraud vs Error
✅ Early Warning Signals (EWS)
✅ Transaction Monitoring
✅ Loan & Collection Fraud Risks
✅ Duplicate Transaction / Refund Risk
✅ Reconciliation Red Flags
✅ Manual JE & Master Data Controls
✅ Fraud Investigation Process
✅ Preventive & Detective Controls
✅ Exception Tracking & Escalation
💡 Practical Formula:
Prevent → Detect → Reconcile → Investigate → Correct → Report
🔥 Golden Rule:
“Every Difference Is Not Fraud — First Reconcile, Then Investigate.”
➡️ NEXT: DAY 34 – NBFC Financial MIS & Management Reporting
Loan Book MIS | Collection MIS | DPD/NPA | Provision | Profitability | KPI Dashboard 📊
📌 Save this post for your NBFC Accounting & Reconciliation learning.

01/09/2026

🔥 DAY 32 – NBFC AUDIT & INTERNAL CONTROL
NBFC Accounting में सिर्फ सही entry करना enough नहीं है। Strong Internal Control + Audit Trail + Reconciliation ही financial process को reliable बनाते हैं. 📊🔍
📌 आज क्या सीखेंगे?
✅ Audit Trail & Documentation
✅ Maker-Checker Control
✅ Journal Entry Audit
✅ Loan File Verification
✅ Disbursement Control
✅ Collection Reconciliation
✅ LMS vs GL Reconciliation
✅ Exception Management
✅ Fraud Risk & Red Flags
✅ Master Data Control
✅ User Access Control
✅ Internal Audit
✅ Statutory Audit
✅ Audit Query Closure
🔄 Complete Control Flow
Transaction → Document → Maker → Checker → Posting → Reconciliation → GL → Audit → Exception → Action → Closure
🚨 Practical Example
अगर:
LMS = ₹108 Cr
GL = ₹109 Cr
तो reconciliation में सिर्फ ₹1 Cr difference लिखना काफी नहीं है।
हमें identify करना होगा:
👉 Reason → Owner → Action → Supporting → Approval → Closure
🔥 Golden Rule
“Every transaction must be traceable.”
और याद रखें:
Reconciliation + Audit Trail + Maker-Checker = Strong Financial Control ✅
🚀 NEXT – DAY 33
NBFC FRAUD RISK & RECONCILIATION CONTROLS
🔍 Fraud Identification
💰 Transaction Monitoring
🏦 Bank Fraud Indicators
👤 Customer Fraud
🔄 Duplicate Transactions
💳 Refund Fraud
📊 Reconciliation Red Flags
🛡️ Preventive Controls
📋 Investigation Process
📌 Save this post for your NBFC audit checklist.
❤️ Follow for Day 33!

28/08/2026

🔥 DAY 31 – NBFC MONTH-END CLOSING & FINANCIAL REPORTING
NBFC Accounting में Month-End Closing सिर्फ Trial Balance बनाने का नाम नहीं है। आज की class में हमने complete closing cycle को practical तरीके से समझा। 📊💰
📌 आज क्या सीखेंगे?
✅ Loan Book Closing
✅ Collection Reconciliation
✅ Bank Reconciliation
✅ Borrowing Reconciliation
✅ Interest Accrual
✅ Provision / ECL Review
✅ Payables & Receivables
✅ Suspense Clearing
✅ GL Scrutiny
✅ Trial Balance
✅ P&L
✅ Balance Sheet
✅ Management MIS
✅ LMS vs GL Reconciliation
🔄 Complete Closing Flow
LMS → Collection → Bank → Borrowing → Interest → Provision/ECL → Payables & Receivables → GL → Trial Balance → P&L → Balance Sheet → MIS
💡 Practical Example
Opening Loan Book: ₹100 Cr
Disbursement: ₹20 Cr
Principal Collection: ₹10 Cr
Write-off: ₹2 Cr
👉 Closing Loan Book = ₹108 Cr
इसके बाद check करें:
LMS = GL = Supporting Data ✅
🔥 याद रखें
“Reconciliation के बिना Month-End Closing Complete नहीं है.”
हर material difference का Reason → Owner → Ageing → Action → Closure होना चाहिए।
⚠️ Actual provisioning/ECL, NPA classification और financial reporting treatment applicable RBI directions, accounting standards और company policy के अनुसार verify करें।
🚀 NEXT – DAY 32
NBFC AUDIT & INTERNAL CONTROL
🔍 Audit Trail
🔐 Maker-Checker
📋 Journal Entry Controls
📁 Loan File Checking
🔄 Reconciliation Controls
🚨 Fraud Risk
📌 Exception Management
📝 Audit Query Closure
📌 Save this post for your month-end closing checklist.
❤️ Follow for Day 32!

27/08/2026

🔥 DAY 30 – NBFC LOAN PORTFOLIO ACCOUNTING
आज की class में सीखिए NBFC Loan Portfolio का complete accounting & reconciliation process — Basic से Advanced तक. 📊💰
📌 आज क्या सीखेंगे?
✅ Loan Portfolio क्या है?
✅ Loan Disbursement Accounting
✅ Principal & Interest
✅ EMI Generation & Collection
✅ Overdue & DPD
✅ SMA-0 / SMA-1 / SMA-2
✅ NPA Concept
✅ Interest Recognition
✅ Provisioning / ECL
✅ Loan Write-off
✅ Recovery After Write-off
✅ LMS vs GL Reconciliation
✅ Loan Book Closing
✅ Portfolio MIS
✅ Month-End Reconciliation
💡 Practical Example
Opening Loan Book: ₹100 Cr
New Disbursement: ₹20 Cr
Principal Collection: ₹10 Cr
Write-off: ₹2 Cr
👉 Expected Closing = ₹108 Cr
फिर check करें:
LMS = ₹108 Cr
GL = ₹108 Cr
✅ RECONCILED
अगर difference आता है, तो reason identify करके exception resolve करना होगा।
🔄 Loan Portfolio Flow
Disbursement → EMI → Collection → DPD → SMA/NPA → Provision → Write-off/Recovery → LMS vs GL
🔥 याद रखें
Provisioning ≠ Write-off
और
LMS + GL + Bank + Portfolio MIS = Complete Reconciliation
⚠️ SMA/NPA classification, interest recognition और provisioning का actual treatment applicable RBI directions, accounting standards और company policy के अनुसार verify करें।
🚀 NEXT – DAY 31
NBFC MONTH-END CLOSING & FINANCIAL REPORTING
📊 Loan Book Closing
💰 Collection Reconciliation
🏦 Borrowing Reconciliation
📈 Interest Accrual
📋 Provision/ECL
🧾 GL Scrutiny
📑 Trial Balance
💼 P&L & Balance Sheet
📊 Management MIS
📌 Save this post for your NBFC accounting practice.
❤️ Follow for Day 31!

26/08/2026

🔥 DAY 29 – NBFC BORROWING & INTEREST ACCOUNTING
आज की class में सीखिए NBFC Borrowing से लेकर Interest Accounting और Lender Reconciliation तक का complete practical process. 📊💰
📌 आज क्या सीखेंगे?
✅ NBFC Borrowing क्या है?
✅ Bank / Financial Institution Borrowing
✅ Term Loan & Working Capital
✅ Sanction vs Actual Drawdown
✅ Borrowing Receipt Accounting
✅ Principal & Interest Accounting
✅ Interest Accrual
✅ Interest Payment
✅ Principal Repayment
✅ Processing / Arrangement Charges
✅ Applicable TDS / Withholding Concept
✅ Lender Statement Reconciliation
✅ Lender vs Bank vs GL vs Loan Schedule
✅ Month-End Borrowing Closing
✅ Financial Statement Impact
💡 Practical Example
Borrowing: ₹10 Crore
Illustrative Interest: 12% p.a.
Illustrative Monthly Interest: ₹10 Lakh
Borrowing Entry:
Dr. Bank ₹10 Cr
Cr. Borrowing / Loan Liability ₹10 Cr
Interest Accrual:
Dr. Finance Cost ₹10 Lakh
Cr. Interest Payable ₹10 Lakh
Principal Repayment:
Dr. Borrowing Liability ₹50 Lakh
Cr. Bank ₹50 Lakh
⚠️ Actual interest calculation, accounting treatment और TDS/withholding applicability agreement, accounting standards और prevailing tax rules पर depend करते हैं।
🔄 Reconciliation Flow
Lender Statement → Bank → Loan Schedule → GL → Reconciliation → Exception Resolution
🔥 5 Golden Rules
1️⃣ Sanction ≠ Actual Drawdown
2️⃣ Principal और Interest अलग रखें
3️⃣ Accrual ≠ Payment
4️⃣ Lender + Bank + GL + Loan Schedule reconcile करें
5️⃣ Proper documentation & audit trail maintain करें
📚 NEXT – DAY 30
🚀 NBFC LOAN PORTFOLIO ACCOUNTING
Loan Portfolio | NPA Concept | Provisioning | Write-off | Recovery | Loan Book Reconciliation | LMS vs GL | Portfolio MIS
📌 Save this post for your NBFC accounting practice.
❤️ Follow for Day 30!

25/08/2026

🔥 DAY 28 – NBFC COLLECTION & BANK RECONCILIATION
आज की class में सीखिए NBFC Collection से लेकर LMS, Bank और GL Reconciliation तक का complete practical process. 📊💰
📌 आज क्या सीखेंगे?
✅ NBFC Collection Process
✅ Bank / UPI / PG / NACH Collection
✅ Collection File Checking
✅ Bank Statement & UTR Matching
✅ LMS Collection Posting
✅ Customer Loan Allocation
✅ GL Accounting
✅ LMS vs Bank vs GL – 3-Way Reconciliation
✅ Unidentified Receipt
✅ Suspense Account
✅ Failed & Reversed Transactions
✅ Duplicate Collection
✅ Bank Charges
✅ Daily Collection MIS
✅ Month-End Reconciliation
💡 Practical Example
Customer Collection: ₹10,000
Bank: ₹10,000
LMS: ₹10,000
GL: ₹10,000
👉 LMS = BANK = GL ✅
लेकिन अगर Bank में ₹10,000 आया और LMS में सिर्फ ₹8,000 allocate हुआ, तो ₹2,000 reconciliation exception बनेगा।
🔥 याद रखें
Money Received → Identify → Allocate → Post → Reconcile
और अगर Bank में unidentified ₹50,000 आए:
Bank → UTR → Customer Identification → Loan Account → Allocation → Reconciliation
🚀 यह हमारी 10 Days Basic to Advanced NBFC Accounting & Reconciliation Series है।
📚 NEXT – DAY 29
NBFC BORROWING & INTEREST ACCOUNTING
Bank Loan | Term Loan | Working Capital | Interest Accrual | Principal Repayment | Borrowing Reconciliation | GL Impact
📌 Save this post for your NBFC Accounting practice.
❤️ Follow for the next class.

24/08/2026

DAY 27 – NBFC EMI ACCOUNTING | BASIC TO ADVANCED
Welcome to Day 27 of the NBFC Accounting & Fintech Reconciliation Series! 🚀
आज की class में हम NBFC EMI Accounting का complete practical process सीखेंगे—EMI calculation से लेकर Principal & Interest split, collection, overdue, bounce, part payment, foreclosure और reconciliation तक।
📚 इस Class में क्या सीखेंगे?
✅ EMI का basic concept
✅ EMI Calculation & Amortization
✅ Principal & Interest Split
✅ Interest Accrual
✅ EMI Collection Journal Entry
✅ EMI Allocation in LMS
✅ Overdue EMI & DPD
✅ Penal / Additional Charges
✅ Bounce Charges & Failed Transactions
✅ Bounce Reversal Accounting
✅ Part Payment Accounting
✅ Foreclosure Process & Accounting
✅ EMI Reversal / Duplicate Transaction
✅ LMS vs Bank vs GL Reconciliation
✅ Customer Ledger Reconciliation
✅ Daily EMI Collection MIS
✅ NBFC EMI Accounting के 5 Golden Rules
💰 Practical Example
Loan Amount: ₹1,00,000
Monthly EMI: ₹10,000
Principal: ₹7,000
Interest: ₹3,000
Basic EMI Collection Entry:
Dr. Bank — ₹10,000
Cr. Loan Principal Receivable — ₹7,000
Cr. Interest Receivable / Income — ₹3,000
इसके बाद हम सीखेंगे कि यही transaction LMS → Bank → GL → Customer Ledger → Reconciliation में कैसे verify किया जाता है।
🔥 यह 10 Days Complete NBFC Accounting Course है, जिसमें हम basic से advanced practical accounting और reconciliation cover कर रहे हैं।
📌 NEXT CLASS – DAY 28
NBFC COLLECTION & BANK RECONCILIATION
Collection → Bank → LMS Posting → GL Posting → Unidentified Receipts → Suspense → Failed Transactions → Reversal → Daily Collection MIS
अगर आप NBFC, Fintech, Banking Operations, Accounting, MIS या Reconciliation में career बनाना चाहते हैं, तो पूरी series जरूर follow करें।
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