The strongest-looking balance sheets can sometimes conceal the greatest risks. AI generated image Imagine a person named Bharath who wants to buy a house. He visits a bank and tells the bank that he earns Rs 1 lakh per month and has savings of Rs 10 lakh. On paper, Bharath appears financially strong. However, Bharath forgets to mention that he is involved in a court case where he may have to pay Rs 20 lakh in damages. He has also guaranteed a friend's loan of Rs 15 lakh, and