BL Chandak

BL Chandak

BL Chandak, former DGM at SIDBI, has worked for over three decades in research, project appraisal, credit sanctioning, policy liaison, and branch management. 

Is India's Trade Credit System Approaching a Tipping Point?

A hidden slowdown in trade credit flows is tightening liquidity at the base of India’s economy, subtle today but potentially systemic if ignored for long.

BL Chandak

May 6, 2026 at 5:44 AM IST

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Why India’s Working Capital Is Still Stuck on Paper

India has the rails to modernise working capital. Linking invoices with payments can cut fraud, sharpen pricing and improve credit flow.

BL Chandak

February 24, 2026 at 5:24 AM IST

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Working Capital’s Blind Spot in India’s Credit System

India’s working-capital system focuses on bank limits, not trade credit. Supplier credit and payment behaviour remain the economy’s hidden engine.

BL Chandak

February 23, 2026 at 6:04 AM IST

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Fixing India's Credit Blind Spot: Link Invoices to Payments

Link invoices with payments to turn cash flows into real-time credit signals, easing MSME, traders, small and mid-caps liquidity stress and fixing India's trade-credit blind spot.

BL Chandak

January 2, 2026 at 11:29 AM IST

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