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Blogs and Articles

Read in-depth blogs and articles, opinions, and perspectives shaping the MSME landscape.​
Case Study: Financing a Rs.35 Lakh Manufacturing Project through govt schemes and RBI’s Revised MSME Lending Framework

Case Study: Financing a Rs.35 Lakh Manufacturing Project through govt schemes and RBI’s Revised MSME Lending Framework

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Case Study: Financing a Rs.35 Lakh Manufacturing Project through govt schemes and RBI’s Revised MSME Lending Framework Can a first-generation entrepreneur secure a Rs.25 lakh+ business loan without mortgaging property? Following RBI’s revised MSME lending norms, many aspiring entrepreneurs are asking this question. Through this practical manufacturing business case study, the article explores how PMEGP subsidy support, CGTMSE guarantee coverage, and bank credit assessment can work together to improve access to formal finance without heavy dependence on property collateral. The article also provides insights into project  finance structuring, bank evaluation parameters, operational performance, employment generation, and the practical implications…

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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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Featured Posts

BLOG 18- MSME Innovative Scheme: Indian Government’s Support for Incubation, Design and IPR

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BLOG 18- MSME Innovative Scheme: Indian Government’s Support for Incubation, Design and IPR

MSME Innovative Scheme was launched in 2022 by Ministry of MSME with an aim to promote and support untapped creativity of MSME sector by fostering innovation and providing vital support for concept development, design enhancement, and intellectual property protection. 

With these three core components – Incubation, Design, and Intellectual Property Rights (IPR) – the scheme facilitates idea validation, product development, and legal assistance to bolster the competitiveness of MSMEs. To know more, read our blog.

Blog 9- MSMEs are you lifting your business orders with government tenders?

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Blog 9- MSMEs are you lifting your business orders with government tenders?

Tenders are competitive bidding processes where organisations, including mostly governments and sometimes private companies, request proposals from vendors for specific goods or services.

Small Businesses lack information about availability of tenders, companies which float tenders, what’s required and expected out of them when participating in government tenders , how to be a successful bidder etc .

Blog 4- Jan Samarth Portal-One stop solution for Govt Sponsored Loan Schemes

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Blog 4- Jan Samarth Portal-One stop solution for Govt Sponsored Loan Schemes

In this blog we have talked about Jan Samarth Portal, a countrywide portal for government credit-linked programmes. This easily approachable one-stop digital portal connects several government credit initiatives. This MSME TALK blog provides you with an overview of what is Jan Samarth Portal, what are various schemes available under this portal, what is the eligibility to apply for these loans, Steps to Apply for Loan on Jan Samarth Portal, Process to Check Application Status on Jan Samarth Portal, documents Required for Applying on Jan Samarth Portal and how to Track your Business Loan Application

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