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What’s Brewing Between RBI, Rating Agencies & Banks Over SME Borrowing Costs? ​

What’s Brewing Between RBI, Rating Agencies & Banks Over SME Borrowing Costs? ​

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What’s Brewing Between RBI, Rating Agencies & Banks Over SME Borrowing Costs?    The Reserve Bank of India (RBI) is reviewing certain aspects of its upcoming credit risk and Expected Credit Loss (ECL) frameworks after banks, rating agencies, and industry participants raised concerns about their potential impact on small and medium enterprises (SMEs). industry participants raised concerns about their potential impact on small and medium enterprises (SMEs). At the center of the discussion is the Observed Default Rate (ODR) mechanism introduced under RBI’s new Basel III credit risk framework. The framework links the risk weight assigned to rated corporate exposures not…

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Blog 32-TReDS vs. GST Sahay: A Strategic Comparison for MSME Working Capital

Blog 32-TReDS vs. GST Sahay: A Strategic Comparison for MSME Working Capital

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Blog 32-TReDS vs. GST Sahay: A Strategic Comparison for MSME Working Capital TReDS and GST Sahay are both MSME financing mechanisms designed to improve business liquidity, but they work very differently and solve different financing needs. While TReDS focuses mainly on invoice discounting against approved invoices by the corporate, GST Sahay is more aligned toward GST and transaction-based working capital financing. This blog explains the practical difference between TReDS and GST Sahay, their business suitability, and common MSME use cases. What is TReDS? TReDS, or Trade Receivables Discounting System, is an RBI-regulated framework created to help MSMEs receive faster…

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BLOG 31- RXIL: India’s First TReDS Platform for MSME Invoice Financing

BLOG 31- RXIL: India’s First TReDS Platform for MSME Invoice Financing

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RXIL: India’s First TReDS Platform for MSME Invoice Financing This blog explains how the Trade Receivables Discounting System (TReDS) is improving MSME financing in India, while highlighting the role of Receivables Exchange of India Limited, one of the earliest and most established platforms in the ecosystem. It covers how the platform works, its key milestones, and how MSMEs can convert invoices into quick working capital through a simple, digital process. Through a practical example and a clear explanation of benefits for both sellers and buyers, it highlights how RXIL helps improve cash flow, reduce payment delays, and build credibility-enabling…

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Blog 30- TReDS Platforms in India: Structure, Participants, and Latest Developments

Blog 30- TReDS Platforms in India: Structure, Participants, and Latest Developments

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BLOG:30- TReDS Platforms in India: Structure, Participants, and Latest Developments This blog provides an overview of the Trade Receivables Discounting System (TReDS) and how it helps MSMEs convert invoices into quick working capital. It explains the key participants in the ecosystem, reviews the major TReDS platforms operating in India, and highlights important policy developments, including key announcements from Union Budget 2026–27 that aim to strengthen MSME invoice financing. What is TReDS? TReDS (Trade Receivables Discounting System) is an electronic platform regulated by the RBI that enables MSMEs to convert their trade receivables (invoices) into immediate liquidity. Through this mechanism,…

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Government Launches ₹25,060 Cr. Export Promotion Mission Amid Rising U.S. Tariffs

Government Launches ₹25,060 Cr. Export Promotion Mission Amid Rising U.S. Tariffs

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Government Launches ₹25,060 Cr. Export Promotion Mission Amid Rising U.S. Tariffs The Government of India has approved a ₹25,060 crore Export Promotion Mission (EPM Scheme: 2025–2031) to strengthen the entire export ecosystem, especially MSME exporters, impacted by the recent 50% tariff imposed by the U.S. on Indian goods. The mission will be implemented through two schemes: NIRYAT PROTSAHAN (₹10,401 Cr): Affordable trade finance for MSMEs — interest subvention, export factoring, collateral-free guarantees, credit cards for e-commerce exporters, and credit enhancement for new markets. NIRYAT DISHA (₹14,659 Cr): Non-financial export support — compliance & certification, branding & packaging, trade fairs,…

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Blog 29- Warning Signs Your Business Might Be Undervalued

Blog 29- Warning Signs Your Business Might Be Undervalued

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Warning Signs Your Business Might Be Undervalued In this blog, Vinay Pandya, Managing Partner at Mantraa Advisory, explains why strong businesses often face weak valuations. The issue isn’t performance but perception — when narratives, intangibles, and future vision aren’t highlighted, the market applies a discount. With examples from Amazon, Uber, Nykaa, and HDFC, the blog shows how closing this perception gap helps businesses earn the valuations they truly deserve. “Sometimes what you’re building is bigger than what you see — you just need the right lens to recognise its value.” — Ratan Tata Introduction: The Paradox of Strong Businesses,…

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Blog 28- Beyond the Balance Sheet: How Intangibles Shape True Business Value?

Blog 28- Beyond the Balance Sheet: How Intangibles Shape True Business Value?

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Beyond the Balance Sheet: How Intangibles Shape True Business Value In this blog, author Vinay Pandya, Managing Partner, Mantraa Advisory explains that there are many things that make a business valuable, but still can’t be seen on a balance sheet. Brand trust, customer loyalty, reputation, and promoter credibility play a big role in how businesses are valued today—especially in India. This blog explains how such intangible assets help companies grow, build trust, and attract better valuations. Using examples like Bisleri, Colgate, and Zandu, it shows how these hidden strengths matter more than ever. It also highlights how ignoring them,…

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Blog 27-Profits with Purpose: What MSMEs Gain by Being Socially Responsible?

Blog 27-Profits with Purpose: What MSMEs Gain by Being Socially Responsible?

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In this article, Author who is an independent board director on multiple boards has given her guidance on how social responsibility can benefit India’s MSMEs and startups, where these businesses stand under the country’s CSR law, and the key advantages of adopting responsible practices. You’ll also find real examples of small enterprises creating positive change. Finally, outline steps businesses can take to turn good intentions into lasting impact.

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Blog 26 – Why Design is a Critical Differentiator in Today’s Market

Blog 26 – Why Design is a Critical Differentiator in Today’s Market

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In this blog, an Author who is a Design Expert guides us how design is used in key areas for building strong businesses.. It shapes products, strengthens brands, enhances customer experiences, boosts sales, attracts top talent, and fuels innovation. With examples from companies like Tesla, this blog highlights how a design-driven approach leads to business success, customer loyalty, and a competitive advantage.

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