Embracing Private Equity – A need for SMEs in India
The business environment is getting complex. SMEs in India need to reorient the funding mix of business by expanding into equity investment than relying on the debt alone for sustainable…
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Insolvency and Bankruptcy code (IBC 2016)- Morale booster for SMEs in India
Many SMEs in India have suffered distress situation and eventual failure due to delayed payment by the OEMs. The new law has empowered them to challenge high and mighty of…
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Assessing Bankability of a business ignoring industry characteristics – a fatal blunder
Never ignore the characteristics of the industry while starting new business and avail bank loan. The project that meets banker’s norms of lending is not necessarily a viable one. I…
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Credit Guarantee: Promoting Collateral free lending culture in India
The collateral free lending ecosystem will stimulate the entrepreneurship and support the growth of SMEs in India. Recently Govt of India has announced setting up of Rs 2000 crore Credit Guarantee…
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Will Industry Potential alone be sufficient to hold on to stressed business?
Many entrepreneurs in India prefer to endure with failing business hoping that industry fortune will revive and they will be able to recover the losses. However, there are other factors…
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GST: Let Us Welcome New Taxation With Hope
We feel that GST will augur well for SMEs in India as it will expand the opportunity and eases the limitations. After debating over three decades, GST finally made its…
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I want to expand my business because……it upgrades my social status
Many entrepreneurs want to grow for reasons such as bigger opportunities, addressing a pain point for the society, bringing in novelty etc. However, some SMEs in India aim at growing…
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Choose your banker prudently- A crucial decision to shape the future of business for SMEs in India
Banker plays an important role in the success for SMEs in India. SMEs should take longer term view and study their policies while choosing their primary banker. Recently I met…
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What is the appropriate level of borrowing for my enterprise?- A lingering question for many SMEs in India
Prudent borrowing is as important as growing business for SMEs. Uncontrolled borrowing without reference to income generation may slowly eat into liquidity and eventually stress the business beyond revival. Recently…
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SMEs under distress-Grab the windows of opportunities to turnaround
SMEs experiencing distress should seek relief under new regulations meant for assisting turnaround without waiting for bankers to act and stay away from suppressing their financial difficulties. Recently Indian Express reported…
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