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Finance Management Made Easy

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Twenty19s Finance Management Made Easy course is tailored for a beginner with no prior knowledge in Finance. The course takes you through basic concepts like current ratios, balance sheets and progresses to more complex concepts like Leverage Analysis and Break Even Analysis. With over 6 hours of content, this course will provide an insight into the world of Finance.

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  • Step 2 Access the course anytime, anywhere, learn, practice, evaluate, clear your doubts & track your progress

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  1. Chapter 1

  2. Chapter 2

  3. Chapter 3

    • 3.1 - Fundamental of Finance Management
    • 3.2 - Cost of Capital-Part 1
    • 3.3 - Cost of Capital-Part 2
  4. Chapter 4

    • 4.1 - Financial Ratios
    • 4.2 - Current Ratio
    • 4.3 - Quick Ratio
    • 4.4 - Absolute Liquid Ratio
    • 4.5 - Basic Defence Interval Ratio
  5. Chapter 5

    • 5.1 - Capital Structure Ratios - Equity Ratio
    • 5.2 - Capital Structure Ratios - Debt Ratio
    • 5.3 - Capital Structure Ratios - Debt to Equity Ratio
  6. Chapter 6

    • 6.1 - Coverage Ratios (DSCR)
    • 6.2 - Interest Coverage Ratio
    • 6.3 - Preference Dividend Coverage Ratio
    • 6.4 - Capital Gearing Ratio
  7. Chapter 7

    • 7.1 - Activity Ratios
    • 7.2 - Capital Turnover Ratio
    • 7.3 - Fixed Assets Turnover Ratio
    • 7.4 - Total Assets Turnover Ratio
  8. Chapter 8

    • 8.1 - Working Capital Turnover Ratio
    • 8.2 - Inventory Turnover Ratio
    • 8.3 - Inventory Holding Level
    • 8.4 - Debtors Turnover Ratio
    • 8.5 - Average Collection Period
    • 8.6 - Creditors Turnover Ratio
    • 8.7 - Average Payment Period
  9. Chapter 9

    • 9.1 - General Profitability Ratios
    • 9.2 - Gross Profit Ratio
    • 9.3 - Operating Ratio
    • 9.4 - Operating Profit Ratio
    • 9.5 - Expenses Ratio
    • 9.6 - Net Profit Ratio
  10. Chapter 10

    • 10.1 - Overall Profitability Ratios
    • 10.2 - Return on Assets
    • 10.3 - Return on Capital Employed
    • 10.4 - Return on Share holders funds
  11. Chapter 11

    • 11.1 - Return on Equity Share holders funds
    • 11.2 - Earnings Per Share
    • 11.3 - Cash Flow Earnings Per Share
    • 11.4 - Dividend Per Share
    • 11.5 - Dividend Pay Out Ratio
    • 11.6 - Dividend Yield Ratio
    • 11.7 - Illustration on Return on Equity Shareholders Funds
  12. Chapter 12

    • 12.1 - Market Value Ratios
    • 12.2 - Earnings Yield Ratio
    • 12.3 - Price Earnings Ratio
    • 12.4 - Price to Cash Flow Ratio
  13. Chapter 13

    • 13.1 - Fund Flow Analysis Introduction
    • 13.2 - Fund Flow Analysis Example
    • 13.3 - Uses of Fund Flow Statement
  14. Chapter 14

    • 14.1 - Time Value of Money Introduction
    • 14.2 - Future Value of Single Amount
    • 14.3 - Doubling Period
    • 14.4 - Compounding Effect
    • 14.5 - Compounding Computation
    • 14.6 - Future Value of Fixed Cash Flows
    • 14.7 - Present Value of Single Amount
    • 14.8 - Present Value of Fixed Cash Flows
    • 14.9 - EMI
  15. Chapter 15

    • 15.1 - First Balance Sheet Reading Skill Understanding Long Term Solvency
    • 15.2 - Second Balance Sheet Reading Skill Understanding Liquidity Positions
    • 15.3 - Third Balance Sheet Reading Skill- Performance Measurement
  16. Chapter 16

    • 16.1 - Business Financing Decisions
    • 16.2 - Debt Vs Equity Financing
    • 16.3 - Understanding Equity Funding in Projects
    • 16.4 - Good Time and Bad Time for Debt Equity Financing
  17. Chapter 17

    • 17.1 - Leverage and its Types
    • 17.2 - Leverage Concepts Example
    • 17.3 - Leverage Analysis and Sales Movement
  18. Chapter 18

    • 18.1 - Break Even Analysis
    • 18.2 - Break Even Point Example
    • 18.3 - Break Even Point Graph
  19. Chapter 19

    • 19.1 - Cash Flow-Introduction
    • 19.2 - Cash Flow- Activities
    • 19.3 - Cash Flow-Operating Activity
    • 19.4 - Cash Flow-Investing Activity
    • 19.5 - Cash Flow- Financing Activity
  20. Chapter 20

    • 20.1 - NPV
    • 20.2 - Pay Back period Introduction
    • 20.3 - Pay Back Period Example
    • 20.4 - IRR
    • Mega Quiz
  • About this Training

    This course starts with the basics of Finance like Financial Statements, Balance Sheets and techniques involved with Finance Management. It dives into the deeper concepts like Financial Ratios, Coverage Ratios, Activity Ratios and Equity Share Ratios. The course covers the concepts with real time calculations and examples. Higher order topics such as Leverage Analysis, Break Even Analysis and Cash Flow Analysis are also explained during the course.

  • Project in this Training

    The project of the course deals with reading balance sheets and understanding the financial position of business through ratios, to analyse balance sheets to understand liquidity and long term stablitiy. It will also deal with preperation of financial statements through logic.

  • Clear your Doubts

    You can ask all the questions in Clear your Doubts forum anytime, course experts will answer all your questions.

  • Get Certificate

    Receive an E-certificate from us once you complete the course. You can Download the Certificate from your Twenty19 account and also showcase it to your friends and family.

How to valueing the intangible assets.

asked by vnskumarguptha

Patent, if it is purchased, its purchase cost would be its value.

If the patent is self developed, then the development cost, legal charges and other direct costs incurred in developing the patent would go towards the value.

Same for Brand.

answered by , [ Nov, 2014 ]

Intangible assets cannot be make money by liquidating or performing, but it will create demand in the market to generate more revenue

answered by NavneethVenkatesh, 4 months ago. [ 7th - Aug, 2017 ]

20.1 NPV

asked by depybobwa

That is the expected return from the project. In the given case, you are going to evaluate the cash flow from the expected return of 10%.

As simple as expecting certain interest income from Deposits.
If you invest in Bank Deposit now, you would get 8% return. Instead if you invest in business, you may get more returns.

answered by , [ Jul, 2015 ]

what i meant was, in account for example when you sell a good of 2000 at 10% discount it means after the discount the good is gonna cost [(2000*10/1000)-2000]= 1800.......
my question was what calculation you made to find those returns from year 1 to year 5 (i am asking for the formula).. hope you understand me. thank you

answered by depybobwa, [ Jul, 2015 ]

the discount should be minimum 10% for anyhing, the purpose of discount is to cover the loss of money value due to cost. the discount can also be increased depending upon the profit of the project

answered by NavneethVenkatesh, 4 months ago. [ 2nd - Aug, 2017 ]

performing and non performing assets

asked by amritakeswani

If you are writing it off, then the asset is not in the question of performing or non performing does not arise after write off

This performing and non performing classification is for decision making and not for reporting purposes.

In your business, when you carry assets, you have to review whether the asset is really used for business and it is generating income. If yes, it is performing.

There may be second category, i.e., asset used in business but not generating income. It is Non Performing, but still essential asset.

The third category is the dangerous one. Asset would neither be used in the business nor it generates revenue. Those assets should be removed from the business at the earliest. Write off is not the solution. It means you are absorbing the loss on account of asset.

Solution is dispose of those assets and convert them into cash which should be available for other operating activities of the business.

To conclude, Unnecessary machinery (including not capable of generating revenue) is non performing asset and necessary machinery is performing asset. It is applicable for any class of assets.

answered by , [ Dec, 2014 ]

you can divide the machniery with the use of liquidity and life span of the machinery. you can use machinery as a performing assets till its lifespan and after the life span of the machinery it might not be a non-performing or less performing assets due to nature of depreciation. in this way you can convert the performing asset which is now a non performing asset into liquidity to get cash and also prevent from further loss due to depreciation

answered by NavneethVenkatesh, 4 months ago. [ 2nd - Aug, 2017 ]

Working capital turnover ratio

asked by ShubhamKhandelwal

A high working capital turnover ratio shows a company is running smoothly and has limited need for additional funding.

An extremely high ratio, typically over 80%, may indicate a business does not have enough capital supporting its sales growth

Gold and silver mining requires ongoing capital investment for replacing, modernizing and expanding equipment and facilities, as well as finding new reserves. An excessively high turnover ratio may be discovered by comparing the ratio for a specific business to ratios reported by other companies in the industry.

answered by Twenty19Expert Team, 8 months ago. [ 30th - Mar, 2017 ]

Asset & Expense differentiation

asked by SaranKumar

if there is defect and if machinery is not replaced, then benefit out of the machinery has life less than a year. Then it will be treated as expense.

But if machinery has been replaced, then machinery continues i.e., old machinery is substituted with new machinery. Hence, it will be considered as asset.

If machinery could not be replaced - it is an expense.

if machinery can be replaced - it is an asset.

answered by , [ Aug, 2015 ]

Capital Structure Ratios - Equity Ratio


if the company is particular about maintaining equity ratio as 25%, then when ever the company raises other funds, it should also raise equity to maintain 25%. Otherwise, proportion or % of other funds will go up and that of equity will come down.

So, it is upto the management to decide, whether the ratio should be constant of fluctuating.

answered by , [ Mar, 2015 ]

Finance Management


Hi Supratik,

Liquidity means ability to pay your short term liabilities from your short term resources comfortably.

Lets say, you have to pay suppliers Rs.1 Lac within one year.
And for paying that supplier, you have short term resources like cash, stock , debtors, etc. for Rs.2 Lacs, then you have more resources for less obligations. In this case, you are said to have comfortable liquidity position.

Instead, for paying Rs.1 Lac, if you have only Rs.50000/- with you, then your liquidity position is said to be strained.

So liquidity is nothing but your ability to pay your short term liabilities or obligations without any difficulty.

answered by , [ Mar, 2015 ]

Finance Management


Hi Supratik,

Liquidity means ability to pay your short term liabilities from your short term resources comfortably.

Lets say, you have to pay suppliers Rs.1 Lac within one year.
And for paying that supplier, you have short term resources like cash, stock , debtors, etc. for Rs.2 Lacs, then you have more resources for less obligations. In this case, you are said to have comfortable liquidity position.

Instead, for paying Rs.1 Lac, if you have only Rs.50000/- with you, then your liquidity position is said to be strained.

So liquidity is nothing but your ability to pay your short term liabilities or obligations without any difficulty.

answered by , [ Mar, 2015 ]



Dear Supratik Hajare,

168 is the minimum return that should be earned because, the company has to PAY 168 for the funds that is sourced (1000).

So this 168 have to be generated by assets worth 1000. But only 500 are working assets. Hence, 500 should generate this 168.
Again, out of 500, only 2/3 of assets will be working due to no. of working days.

Hence, it is the 2/3rd of 500 - i.e., 333 should generate a return of 168.

Hence, the point is minimum return to be generated is not based on the assets, but based on the source of funds. In this case, 1000 has been sourced and it should be paid minimum of 168.

answered by , [ Mar, 2015 ]

2.5 Sources of funds and its uses.


If the company has profits after paying its opex, bank, income tax then that profit is available for share holders.

The Board of Directors of the company can propose how much of the profits should be given to the share holders as dividends and it should be approved by the share holders.

So, some time all the balance profits can also be given to the owners in the form / name of dividends.

Your observation is correct.

Profits given to the owners are called as Dividends.

answered by , [ Feb, 2015 ]

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You can re-watch the videos as many times you wish but we do not allow downloading on our platform as we keep track of your progress in regards to the course you learn.

What is special about Twenty19 courses?

Twenty19 Training are fun to learn and they are structured to be easily understood by anyone.The courses are developed with College students in mind.So courses will have a lot of real world examples and Twenty19 courses are easy to take up and earn a certificate.

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You can raise your doubt in Clear your doubts forum anytime, training experts will answer all your questions. You can also reach us at +91 9962033243 (give us a missed call), send an SMS or drop an email to, one of our team member will call you to support.

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No doubt, Your transaction is always safe and secure with Twenty19.

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Yes!! you will receive an E-certificate from us once you complete the training. You can include this is in your Resume to get placed better.

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