Author
MSME Banking | Business Finance | Credit Education
Biswajit Deka is an MSME banking professional with more than 10 years of experience in the BFSI (banking, financial services and insurance) sector. He writes about working capital, credit assessment, government schemes for MSMEs and business development in Northeast India.
This is Biswajit Deka's personal, independent educational website. Views are his own and do not represent any employer, bank or institution. Nothing here is an offer of credit, a loan application service or financial advice. Full biography.
15 published
Northeast Business
Why land is hard to use as loan collateral in much of Northeast India, and how the RBI's collateral-free limit, CGTMSE and regional lenders help MSMEs.
· 3 min read
Government Schemes
From 1 April 2026, banks must not take collateral on loans up to ₹20 lakh to micro and small enterprises. What changed, who it covers and what it does not do.
· 3 min read
Northeast Business
Meghalaya's 2024 industrial policy for MSMEs: 16 priority sectors, capital subsidy, interest subvention, SGST incentives, eligibility and local hiring rules.
· 3 min read
Government Schemes
UNNATI 2024 offers capital investment incentives, interest subvention and GST-linked incentives to units in the eight Northeast states. What it offers and its timelines.
· 3 min read
MSME Banking
Cash credit and overdraft both revolve within a limit. How they differ in security, drawing power, purpose and monitoring, with a worked example.
· 3 min read
Government Schemes
Comparing a CGTMSE-guaranteed loan with a loan secured by property: cost, speed, risk and what each means for an MSME owner, with official sources.
· 2 min read
MSME Banking
A practical structure for an MSME project report (DPR): the sections lenders expect, cost of project, means of finance and credible projections.
· 2 min read
MSME Banking
What promoter contribution (margin) is, why lenders require it, what counts towards it and how it shapes a project's cost and risk, for MSME owners planning a term loan.
· 3 min read
MSME Banking
Term loans fund long-life assets; working capital funds the operating cycle. How to match the loan to the need, with examples.
· 2 min read
MSME Banking
Debt Service Coverage Ratio explained for MSME owners: the formula, a worked example, what lenders read into it and how to improve it before applying for a term loan.
· 2 min read
MSME Banking
What working capital is, how the operating cycle decides how much money a business needs, and how banks assess working capital limits for MSMEs.
· 3 min read
Government Schemes
TReDS lets MSMEs discount invoices on large buyers without recourse. How it works, who participates and the 2024 onboarding rule.
· 2 min read
Government Schemes
How the CGTMSE credit guarantee works, who it is for, what it covers and what it costs, explained in plain language with official RBI and CGTMSE sources.
· 3 min read
MSME Banking
CMA data is the standard set of past and projected financial statements lenders use to assess credit. What it contains and how to prepare it.
· 3 min read
MSME Banking
Profit on paper is not the same as repayment capacity. The common reasons a lender declines a profitable MSME, and what an owner can fix before applying.
· 2 min read