About Biswajit Deka

Professional introduction

Biswajit Deka is an MSME banking professional in India with more than 10 years of experience in the BFSI (banking, financial services and insurance) sector. His work sits where small businesses meet formal credit: understanding how a business earns, how it uses cash, and how a lender reads the numbers before deciding.

Experience

Across his career in banking and financial services he has had professional exposure to:

• Working capital finance, including cash credit and overdraft facilities
• Term lending for business assets and expansion
• Loan against property
• Project finance
• Credit assessment of MSME borrowers
• Government schemes that support MSME credit

MSME banking knowledge

Most MSME owners are experts in their own trade but meet banking vocabulary (drawing power, CMA data, DSCR, margin, promoter contribution) only when they apply for credit. Biswajit's writing translates that vocabulary into practical terms, with worked examples and references to the rules published by the Reserve Bank of India and the Government of India.

Areas of expertise and interest

• MSME banking
• Working capital finance
• Cash credit and overdraft
• Term loans
• Loan against property
• Project finance
• Credit assessment
• Government schemes for MSMEs
• Business finance education
• Northeast India business development

Educational philosophy

Explain the reasoning, not just the rule. Every article on this site aims to show why a lender asks for something, so that a business owner can prepare properly. Facts about schemes and regulations are checked against official sources and dated, because they change. Examples use illustrative numbers and are labelled as such. See the editorial policy.

Personal content and employment

This website and the social profiles linked from it are Biswajit Deka's personal, independent educational work. They are not run by, endorsed by or on behalf of any employer, bank or financial institution, and nothing here uses any employer's confidential information, internal policies or customer data. The site does not arrange loans, accept loan applications, recommend specific lenders or provide individual financial advice. Read the full disclaimer.

Public profiles

The profiles listed with this biography are the only official profiles of Biswajit Deka. The author page lists everything he has published here.