Blogs
Notes from the credit desk
What we learn from files that get sanctioned and files that do not. No listicles, no scheme figures we have not checked.
- Articles
- 6
- Topics
- Funding · Schemes
- Written by
- Credit desk
Start here
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Six reasons MSME loan applications get rejected — and what each one looks like on paper
Rejections are rarely about the business. They are usually about a gap between what the business does and what the file says it does.
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CGTMSE, explained from the borrower’s side
The guarantee protects your lender, not you. Understanding that changes how you use the scheme — and what you can reasonably ask a bank for.
6 articles
Blog Visual
Six reasons MSME loan applications get rejected — and what each one looks like on paper
Rejections are rarely about the business. They are usually about a gap between what the business does and what the file says it does.
Blog Visual
CGTMSE, explained from the borrower’s side
The guarantee protects your lender, not you. Understanding that changes how you use the scheme — and what you can reasonably ask a bank for.
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What actually goes into a bankable project report
A DPR is not a business plan with financial tables attached. It is a document written for one reader with one question.
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Your working capital limit is probably wrong. Here is how to size it.
Most limits are set once and never revisited, while the operating cycle quietly moves. The gap gets funded by expensive money.
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PMEGP, MUDRA or CGTMSE — which one fits your situation
They are frequently discussed as alternatives. They are not the same kind of thing at all, and choosing wrongly costs months.
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The documents lenders actually read first
Your file may run to 200 pages. The first fifteen minutes are spent on about six of them.
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