Published in YugMarg: Five Questions Every Entrepreneur Should Answer Before Approaching a Bank
I am pleased to share that my article, “Five Questions Every Entrepreneur Should Answer Before Approaching a Bank,” was published in YugMarg (Chandigarh) on 05 August 2026.
The article is based on my practical experience of nearly four decades in commercial banking. It highlights some of the important questions that entrepreneurs, traders, MSMEs and industrialists should carefully consider before approaching a bank for working capital or business finance. Proper planning and realistic assessment before submitting a loan proposal can significantly improve both the quality of the proposal and the entrepreneur’s preparedness.
I hope this article will be useful not only to business owners but also to bankers, finance professionals, consultants and students interested in understanding the practical aspects of working capital finance.
I sincerely thank the Editor and Editorial Team of YugMarg for publishing this article and providing an opportunity to share practical banking insights with a wider readership.
Your comments, suggestions and feedback are always welcome. If you find the article useful, please consider sharing it with others who may benefit from it.
— Ashok Kakkar
Former Chief Manager, Punjab National Bank
Advocate & Insolvency Professional