Integrating Contingency Funding Plan and Liquidity Risk Management

Padmini Rajendra Bulani

Institute of Chartered Accountants of India

bulanipadmini@gmail.com

Prof. (Dr) Punit Goel

Maharaja Agrasen Himalayan Garhwal University

Uttarakhand, orcid- https://orcid.org/0000-0002-3757-3123

drkumarpunitgoel@gmail.com

Abstract – Effective liquidity risk management and contingency funding planning are critical components of a robust financial strategy, particularly in a rapidly changing economic environment. This study explores the integration of contingency funding plans (CFPs) with liquidity risk management frameworks to enhance organizational resilience against liquidity crises. A CFP outlines strategies to address funding shortfalls during periods of financial stress, while liquidity risk management ensures that an institution maintains adequate liquidity to meet its obligations. By aligning these mechanisms, financial institutions can create a proactive, cohesive approach to managing liquidity risks, reducing reliance on reactive measures.

The research emphasizes the importance of identifying early warning indicators, diversifying funding sources, and stress-testing liquidity under various adverse scenarios. Additionally, it examines how regulatory guidelines, such as those set forth by the Basel III framework, influence the design and integration of CFPs and liquidity management systems. Case studies of successful integrations demonstrate that institutions with well-coordinated CFPs and liquidity risk policies are better positioned to safeguard operational continuity, maintain stakeholder confidence, and mitigate financial disruptions. The paper concludes by proposing a comprehensive integration model that leverages technology, predictive analytics, and scenario-based planning to optimize liquidity risk management and contingency funding strategies in an interconnected financial ecosystem.

This abstract provides a foundation for further exploration of the synergies between contingency funding and liquidity risk management, offering actionable insights for financial institutions aiming to enhance their preparedness for liquidity-related challenges.

Keywords – Liquidity risk management, contingency funding plans, financial resilience, funding diversification, stress testing, Basel III framework, early warning indicators, scenario-based planning, predictive analytics, operational continuity.

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• Rafa Abdul, Aravind Ayyagari, Krishna Kishor Tirupati, Prof. (Dr) Sandeep Kumar, Prof. (Dr) MSR Prasad, Prof. (Dr) Sangeet Vashishtha. 2023. Automating Change Management Processes for Improved Efficiency in PLM Systems. Iconic Research And Engineering Journals Volume 7, Issue 3, Pages 517-545. 
• Siddagoni, Mahaveer Bikshapathi, Sandhyarani Ganipaneni, Sivaprasad Nadukuru, Om Goel, Niharika Singh, Prof. (Dr.) Arpit Jain. 2023. Leveraging Agile and TDD Methodologies in Embedded Software Development. Iconic Research And Engineering Journals Volume 7, Issue 3, Pages 457-477. 
• Sayata, Shachi Ghanshyam, Ashish Kumar, Archit Joshi, Om Goel, Dr. Lalit Kumar, and Prof. Dr. Arpit Jain. 2024. Designing User Interfaces for Financial Risk Assessment and Analysis. International Journal of Progressive Research in Engineering Management and Science (IJPREMS) 4(4): 2163–2186. doi: https://doi.org/10.58257/IJPREMS33233. 
• Garudasu, S., Arulkumaran, R., Pagidi, R. K., Singh, D. S. P., Kumar, P. (Dr) S., & Jain, S. (2024). Integrating Power Apps and Azure SQL for Real-Time Data Management and Reporting. Journal of Quantum Science and Technology (JQST), 1(3), Aug(86–116). Retrieved from https://jqst.org/index.php/j/article/view/110. 
• Garudasu, Swathi, Ashish Kumar, Archit Joshi, Om Goel, Lalit Kumar, and Arpit Jain. 2024. Implementing Row-Level Security in Power BI: Techniques for Securing Data in Live Connection Reports. International Journal of Progressive Research in Engineering Management and Science (IJPREMS) 4(4): 2187-2204. doi:10.58257/IJPREMS33232. 
• Garudasu, Swathi, Ashwath Byri, Sivaprasad Nadukuru, Om Goel, Niharika Singh, and Prof. (Dr) Arpit Jain. 2024. Building Interactive Dashboards for Improved Decision-Making: A Guide to Power BI and DAX. International Journal of Worldwide Engineering Research 02(11): 188-209. 
• Dharmapuram, S., Ganipaneni, S., Kshirsagar, R. P., Goel, O., Jain, P. (Dr.) A., & Goel, P. (Dr.) P. (2024). Leveraging Generative AI in Search Infrastructure: Building Inference Pipelines for Enhanced Search Results. Journal of Quantum Science and Technology (JQST), 1(3), Aug(117–145). Retrieved from https://jqst.org/index.php/j/article/view/111. 
• Dharmapuram, Suraj, Rahul Arulkumaran, Ravi Kiran Pagidi, Dr. S. P. Singh, Prof. (Dr.) Sandeep Kumar, and Shalu Jain. 2024. Enhancing Data Reliability and Integrity in Distributed Systems Using Apache Kafka and Spark. International Journal of Worldwide Engineering Research 02(11): 210-232. 
• Mane, Hrishikesh Rajesh, Aravind Ayyagari, Rahul Arulkumaran, Om Goel, Dr. Lalit Kumar, and Prof. (Dr.) Arpit Jain. “OpenAI API Integration in Education: AI Coaches for Technical Interviews.” International Journal of Worldwide Engineering Research 02(11):341-358. doi: 5.212. e-ISSN: 2584-1645. 
• Mane, Hrishikesh Rajesh, Priyank Mohan, Phanindra Kumar, Niharika Singh, Punit Goel, and Om Goel. “Automating Career Site Monitoring with Custom Machine Learning Pipelines.” International Journal of Progressive Research in Engineering Management and Science (IJPREMS) 4(5):169–183. doi:10.58257/IJPREMS33977. 
• Bisetty, S. S. S. S., Chamarthy, S. S., Balasubramaniam, V. S., Prasad, P. (Dr) M., Kumar, P. (Dr) S., & Vashishtha, P. (Dr) S. “Analyzing Vendor Evaluation Techniques for On-Time Delivery Optimization.” Journal of Quantum Science and Technology (JQST) 1(4), Nov(58–87). Retrieved from https://jqst.org. 
• Satya Sukumar Bisetty, Sanyasi Sarat, Ashish Kumar, Murali Mohana Krishna Dandu, Punit Goel, Arpit Jain, and Aman Shrivastav. “Data Integration Strategies in Retail and Manufacturing ERP Implementations.” International Journal of Worldwide Engineering Research 2(11):121-138. doi: 2584-1645. 
• Bisetty, Sanyasi Sarat Satya Sukumar, Imran Khan, Satish Vadlamani, Lalit Kumar, Punit Goel, and S. P. Singh. “Implementing Disaster Recovery Plans for ERP Systems in Regulated Industries.” International Journal of Progressive Research in Engineering Management and Science (IJPREMS) 4(5):184–200. doi:10.58257/IJPREMS33976. 
• Kar, Arnab, Rahul Arulkumaran, Ravi Kiran Pagidi, S. P. Singh, Sandeep Kumar, and Shalu Jain. “Generative Adversarial Networks (GANs) in Robotics: Enhancing Simulation and Control.” International Journal of Progressive Research in Engineering Management and Science (IJPREMS) 4(5):201–217. doi:10.58257/IJPREMS33975. 
• Kar, Arnab, Ashvini Byri, Sivaprasad Nadukuru, Om Goel, Niharika Singh, and Arpit Jain. “Climate-Aware Investing: Integrating ML with Financial and Environmental Data.” International Journal of Research in Modern Engineering and Emerging Technology 12(5). Retrieved from ijrmeet.org. 
• Kar, A., Chamarthy, S. S., Tirupati, K. K., Kumar, P. (Dr) S., Prasad, P. (Dr) M., & Vashishtha, P. (Dr) S. “Social Media Misinformation Detection NLP Approaches for Risk.” Journal of Quantum Science and Technology (JQST) 1(4), Nov(88–124). Retrieved from https://jqst.org. 
• Abdul, Rafa, Aravind Ayyagari, Ravi Kiran Pagidi, S. P. Singh, Sandeep Kumar, and Shalu Jain. 2024. Optimizing Data Migration Techniques Using PLMXML Import/Export Strategies. International Journal of Progressive Research in Engineering Management and Science 4(6):2509-2627. https://www.doi.org/10.58257/IJPREMS35037.