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SMEs Access to Capital Markets in India

Yerram Raju
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It took almost a decade since the SME Exchange has been formalised to see 60 floats in a month. Still the total number of listings on the SME bourses is not something that the growing Indian economy can be proud of.

In India, most SMEs operate in debt markets. Cost of raising debt for SMEs is increasingly becoming problematic both…

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MSE Credit Supply Shrinks

Yerram Raju
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Commercial Banks proved sweet nothings in their offerings to the MSEs while a myriad of their loan products focused on medium enterprises or the mid-corporate sector.

Manufacturing MSEs going by RBI November 2016 data reveals that they share 42.9% outstanding credit with a negative growth of 9.2%. Manufacturing sector was the largest employer providing employment to 30.3 million (23.1%) persons,…

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Impact of Enhanced Standards for Credit Rating Agencies on SMEs

Rajesh Dubey
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The year 2015 saw a sharp downgrade in the credit rating of Amtek Auto leading to redemption crisis in J P Morgan Asset Management Company. The rating agencies came in for a lot of criticism. Year 2016 posed a similar position for the rating agencies; however, they were cautious this time and took care in staggering the downgrade, though in…

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Fake in India

Vinod Sharma
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The “Make in India “ lion continues to be shackled.

The three shackles of cost, complexity and corruption hold a vice like grip. All he can do, is roar.

The cost of finance (the bloodline of all industry) remains high. How do  we compete by borrowing at an average 12% when our competitors in a flat world have access to…

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Modi and Trump

V K Aggarwal
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This government is indeed very business friendly, While Mr Trump is said to be planning to go back on globalisation in the interest of creating more jobs, Mr Modi is thinking of raising bars against imports to help businesses create wealth for the country.

Otherwise why would he allow MIP to be brought in for Steel industry and now for…

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It is time to Demonitise

Yerram Raju
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“Not all the perfumes of Arabia will sweeten this little hand” (Shakespeare from ‘Meckbeth’)

The rate cuts of 2010 from the RBI did not influence the prices of food articles in particular and others in general, with the food inflation at the alarming level of more than 18%. Rampant corruption surfaced in nooks and corners of the economy. Recently the…

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Innovation and the enabling ecosystem for SMEs

DC Sekhar
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Today we are witness to some of the most sincere efforts by Governments, right at the top to improve the ecosystem of start-up and innovation ecosystem. These have largely managed to inject a lot of positivity and optimism in the business environment.

This article is a bottom up view from an entrepreneur who earned from service revenues, invested surplus finds…

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Strengthen the MSE facilitation council sooner than later

Yerram Raju
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Most micro and small enterprises suffer from delayed payments for their supplies and services. Several contractual engagements with both the government and public sector undertakings also are not honoured.

In line with the long-standing demand of small-scale sector to alleviate the problem of delayed payments the Delayed Payments Act came into being in 1993. The hope that the small scale…

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An Investigation into THE BUSINESS OF RATING

S P Gupta
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BRIEF: This is an attempt to assess the business of external rating of MSME in particular of accounts with exposure of Rs 500 lacs or above. Internal rating done by a financing bank/institution cannot be called ‘rating’ as the result of such rating is only to assess the borrower client and such rating is…

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How banks misuse SARFAESI Act provisions for loan recovery

K Manicka Raj & B Yerram Raju
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The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002 is a powerful instrument in the hands of the banks and financial institutions (FIs) as secured creditors. This Act helps them enforce securities held as collateral to loans disbursed by them should such loans turn out as non-performing assets (NPAs) during the currency of the…

By K Manicka Raj & B Yerram Raju 12 comment Read Full Article


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