Credit Appraisal, Risk Analysis and Decision Making by V. Kumar is a detailed and practice-oriented book crafted for banking professionals, credit officers, finance students, and anyone involved in the evaluation of loan proposals and financial risk. The book offers a structured understanding of credit appraisal — from collecting borrower information to analysing financial statements, understanding industry risks, evaluating repayment capacity, and arriving at sound, data-driven lending decisions.

The author explains the core principles of creditworthiness assessment, covering quantitative and qualitative tools used in modern banking. Topics such as balance sheet interpretation, ratio analysis, cash flow scrutiny, working capital assessment, project viability studies, collateral evaluation, security coverage, and credit rating mechanisms are explained in clear and practical terms. The book also emphasises the importance of industry analysis, borrower behaviour patterns, credit scoring models, and compliance with regulatory norms.

A significant portion of the book focuses on risk analysis, including types of financial risks, early warning signals, risk mitigation strategies, stress testing, exposure management, and guidelines issued by the RBI and international standards. It highlights how banks can adopt structured policies, internal rating systems, and robust monitoring frameworks to reduce lending risks and maintain asset quality.

In addition to theory, the book is enriched with real-life examples, case studies, analytical illustrations, and decision-making frameworks that guide readers through the end-to-end process of evaluating loans and making responsible credit decisions. Each chapter is designed to help professionals enhance their judgement skills, understand risk-reward balance, and ensure compliance with banking norms.

Ideal for bank managers, credit officers, financial analysts, MBA students, CA/CS aspirants, and candidates preparing for banking exams, this book serves as a complete reference manual for mastering credit appraisal and risk management. Whether you are new to the field or looking to deepen your expertise, V. Kumar’s work provides the clarity, structure, and practical knowledge needed to excel in modern financial decision-making.

With its comprehensive coverage and real-world applicability, Credit Appraisal, Risk Analysis and Decision Making stands as an essential resource for anyone involved in lending operations, credit risk evaluation, and professional banking practice.