CA Bigyan Kumar Mishra

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

Ever wondered why your petrol bill keeps rising even though your income hasn’t? Or why can't you switch your electricity provider, no matter how frustrated you are with service delays? Many Indian small business owners face the same challenge. The root cause? A concept called the monopolistic market.This guide will break down what a monopolistic market is, how it impacts … [Read more...] about What Is a Monopolistic Market? How It Affects Prices, Services, and Small Businesses in India