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Financial discipline is non-negotiable for any business. The cash that flows through our counters is not “our money” until we’ve truly earned it. Borrowed funds come with responsibility — collateral, commitments, and consequences. Every rupee taken for a purpose must be used only for that purpose, and measured with a clear Return on Equity mindset. When handled wisely, finance becomes a growth engine. When misused, it becomes a threat — because risk without clarity can cost us our own assets. Th
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