CA Bigyan Kumar Mishra

Have you ever searched for “difference between operating margin and EBITDA for small business” and felt overwhelmed by all the financial jargon? You're not alone. Whether you're a freelance designer, an IT consultant, or running a small manufacturing unit, understanding how profitable your business really is can be confusing. This guide will explain what operating … [Read more...] about Operating Margin vs EBITDA: Key Differences Every Small Business Owner Should Know

If you’re someone running a home bakery, freelancing as a graphic designer, running a tuition centre, or managing a local service like a mobile repair shop—you’ve probably wondered: “Do I really need to understand all these financial ratios?” or “Is this topic too technical for me?”The truth is, understanding your debt-to-equity ratio isn’t just for finance experts or … [Read more...] about What Is Debt-to-Equity Ratio? A Simple Financial Guide for Business Owners and Beginners

If you’re running a small business or investing in companies, you might often hear people say things like, “My business made ₹5 lakh this year,” or “This stock is showing strong profits.” That sounds good, doesn’t it?But here’s a deeper question—how much money did it take to make that profit?This is where Return on Invested Capital (ROIC) becomes one of the most … [Read more...] about How to Calculate Return on Invested Capital (ROIC): A Simple Guide for Business Owners

If you’ve ever found yourself wondering whether buying a stock is just like buying a lottery ticket, you’re not alone. Many first-time investors in India, whether freelancers, home-based entrepreneurs, or salaried professionals, wrestle with this doubt. The fast-paced news, market tips, and money-doubling promises make it even harder to tell the difference between a smart … [Read more...] about Speculation vs Gambling in India: How to Know If You’re Investing Smart or Just Taking a Risk

Ever asked yourself:If these questions sound familiar, you’re in the right place.For many small business owners, financial terms like “liquidity” and “solvency” can feel overwhelming. The good news is—you don’t need a finance degree to understand them.This guide will explain everything with relatable examples and step-by-step tips. You’ll learn how to track your … [Read more...] about Solvency vs Liquidity Explained: How to Track Your Financial Health and Avoid Cash Crunches