Field Notes & Perspectives

Real stories from India's risk frontline.

BFSI

The SARFAESI playbook: 7 control gaps that cost NBFCs crores

Why repossession documentation is the silent killer of recovery yields — and how to fix it.

8 MIN READ · KUMAR GAURAV · Apr 12, 2026
Retail

Shrinkage in D2C: how a 200-store brand cut leakage by 38% in two quarters

The audit cadence and SKU-level dashboards behind one of the cleanest D2C ops turnarounds we have seen.

6 MIN READ · KGAC TEAM · Mar 28, 2026
Franchise

Royalty leakage: why your franchisees are quietly under-reporting

A field-tested checklist for franchisors who suspect their best-performing centres may not be telling the whole story.

10 MIN READ · AMAN MONGA · Mar 10, 2026
FAMS

Fixed Asset Tagging: RFID vs QR vs Barcode — which is right for your business

Choosing the wrong tag type costs more than the tag itself — here's the decision tree we use.

5 MIN READ · KGAC TEAM · Feb 22, 2026
BFSI

ATM audit SOP — what RBI inspectors check that most auditors miss

A compiled checklist from a decade of ATM-level audits for tier-1 and tier-2 banks.

7 MIN READ · KUMAR GAURAV · Feb 8, 2026
Mystery

When to run a mystery audit (and when not to)

The discipline behind unannounced reviews — and the cases where they backfire.

5 MIN READ · KGAC TEAM · Jan 20, 2026