CA Bigyan Kumar Mishra

Imagine you want to open a small kirana shop in Pune or start a dosa stall in Chennai. You’ve saved some money, but it’s not quite enough to buy stock or essential equipment. You’ve thought about taking a loan, but the word “debt” makes you uneasy—like it’s something risky or hard to manage.Let me assure you: debt, when used wisely, can be a powerful tool to help your … [Read more...] about How to Use Debt to Grow Your Small Business in India: A Beginner’s Guide

Imagine walking through a bustling vegetable market in Mumbai. You pause at a stall where a vendor is selling vibrant red tomatoes. At the end of the day, he counts the money he made, subtracts what he paid for the tomatoes, and calculates what's left — his profit.Now imagine this on a bigger scale. That basic idea is exactly what an income statement does for a company. … [Read more...] about Understanding a Company’s Income Statement: A Beginner’s Guide to Profitability Analysis

Have you ever thought, “What does a balance sheet actually show?” or “How can I use the balance sheet to know if a company is doing well?” You’re not the only one.For many beginners in India who are new to finance or investing, a balance sheet can look confusing—like a bunch of numbers and terms that don’t make much sense. But don’t worry—it’s not as hard as it … [Read more...] about Beginner’s Guide to Reading a Balance Sheet: How to Decode a Business’s Financial Health

Have you ever thought, “Where is all the money from my business going?” or “Do I really need accounting for my small business?” If you run a small business, these questions probably sound familiar.Think of accounting like this: every day for your chai shop, you buy things like milk and sugar, serve customers, and then count how much money came in and went out. That’s the … [Read more...] about Accounting Basics for Small Businesses in India: Your Friendly Guide