FINANCIAL PLANNING FOR YOUR BUSINESS?
A Sound Financial Plan will reduce uncertainties to sustainable growth. MSMEadvisor.com helps in creating a Sound Financial Plan specific to your industry.
Dr. Rajendra K Sinha
MSME Financing GURU of India
ABOUT US
A team of experienced practitioners with long experiences in the areas of financial planning, financing, and revival of MSMEs
The practitioners’ team is led by Dr. Rajendra K Sinha, the Founder of MSMEadvisor.com, a Bengaluru based initiative. Dr Rajendra is Ph.D. in Business Administration, CAIIB, AMFI, CIF, SP and with Independent Directors’ Databank Certification of Indian Institute of Corporate Affairs.
Dr. Rajendra had a successful stint as the Business Head-SME at SBI’s Mumbai Circle, having the largest and all varietal MSMEs portfolio. As Industries Studies Vertical Head at SBI Corporate Centre, successfully tracked diverse 37 Industries contributing to majority of SBI’s credit portfolio. He was a member of Credit Committee for Mid-Corporate Group Pune. He is an enterprising leader and planner with exhaustive experiences in MSMEs & Industries.
MISSION
Be the trusted entity for the sustainable growth of MSMEs
VISION
Be the trusted leading advisory services & solutions provider for the sustainable growth of MSMEs & Industries
FINANCIAL ADVISORY SERVICES
FINANCIAL PLANNING
FINANCING OPTIONS
CREDIT RATING IMPROVEMENT
TESTIMONIALS
"Dr Rajendra Kumar Sinha has been a financial professional for over 4 decades and has thus acquired deep understanding and domain expertise covering various dimensions of banking but also financial governance in backdrop of his assignments of SME Business Head, SBI Mumbai Circle and Industry Studies Vertical Head at SBI Corporate Centre. Thus he brings a unique combination of on the job experience in various fields of commercial banking and high degree of academic proficiency acquired with dedicated concentration in all fields of enquiry.He is thus an excellent resource person for MSMEs & Industries, Business schools and conference platforms. I wish him all the best"
“Advisory initiative for MSMEs from a domain expert like Dr Rajendra, who nurtures passion for MSMEs is very encouraging. I have worked with Dr Rajendra in arranging a high-profile SME Summit. He was not only a mentor for that Programme, but also a speaker, with valuable contribution. In various SME Conferences, we have been together as Panellists, and I have found him possess incisive knowledge in financing SMEs."
“Dr Rajendra Kumar Sinha is an expert in Banking and Finance with deep domain expertise. His experience and expertise in banking is exemplary as seen in his speeches and articles. A prolific writer and powerful speaker with powerful insights based on in-depth analysis evidenced by data. He is a forward thinker, powerful speaker with excellent industry connects that makes him a most sought-after person for addressing forums in finance and banking. A meticulous and thorough planner with strong execution focus. It's a great pleasure to be associated with Dr Sinha and I am enriched by his knowledge and experience.”
“Dr Rajendra Kr Sinha is a finance professional with rare insights into the business world’s functioning. His quick grasp and understanding of the key macro issues around monetary & fiscal policies, banking sector, in particular and institutional finance trends, in general make him an excellent person for transmitting his knowledge ….”
“Dr Rajendra K. guided me in initiating the widely appreciated “BANK BLAST” monthly magazine in which we share RBI guidelines/ Banking updates. As a speaker on the panel for the discussion on “Budget 2021 and Impact on MSME and Economy”, his depth of knowledge, deep understanding of the subject matter, and views helped the students learn & appreciate sectoral nuances with an updated clarity. I am honoured to be his student and got the opportunity to learn from him.”
MSMEs SCHEMES
UDYOG AADHAAR
Apply online for Udyam Registration on https://udyamregistration.gov.in
Classification of MSMEs and Procedure for Registration is available on https://udyamregistration.gov.in/docs/Udyam%20Registration%20Booklet.pdf
We give advisory in Business Plan preparation which includes:
CREDIT LINKED CAPITAL SUBSIDY FOR TECHNOLOGY UPGRADATION (CLCSS)
Credit Linked Capital Subsidy for Technology Upgradation (CLCSS):
15% subsidy for additional investment up to ₹ 1 crore for technology upgradation by MSEs is available under CLCSS.
This is for induction of state-of-the-art or near state-of-the- art technology.
List of technologies for CLCSS is available at http://www.dcmsme.gov.in
MARKETING SUPPORT/ASSISTANCE TO MSMES (BAR CODE)
MSMEs (Bar Code): MSME Ministry reimburses registration fees for bar coding with an objective to encourage MSEs to use bar-codes.
Scheme is applicable only to MSEs with registration with GS1 India for use of barcode.
Application process details available on http://www.gs1india.org
SIDBI: PSBLOANS IN 59 MINUTES
An MSME can avail loan from ₹ 1 lac to 5 crores through www.psbloansin59minutes.com
Post-in-principle approval, the lender of choice by MSME will do the due diligence and sanction/ disburse the loan.
TReDS PLATFORM FOR MSMEs
MSMEs Registration on TReDS platform: https://udyamregistration.gov.in/
Three platforms are available: 1. www.invoicemart.com 2. www.m1xchange.com
3. www.rxil.in .
There are provisions available for New Enterprises who are not Registered yet as MSME or those with EM-II; or for those already having registration as UAM
MSME SAMADHAAN - DELAYED PAYMENT MONITORING SYSTEM
MSME SAMADHAAN: For filing application for delayed payment, you can file application online on https://samadhaan.msme.gov.in/
If you have Udyog Aadhaar Number, kindly validate your Udyog Aadhaar Number with Aadhaar and file application. Otherwise Register in UAM by going on https://udyamregistration.gov.in/ and come back to https://samadhaan.msme.gov.in/ (MSME SAMADHAAN portal)
MSMEs LOAN PRODUCTS
PM MUDRA YOJANA
STAND UP INDIA
E-COMMERCE LOAN
ASSET BACKED LOAN
E-DEALER FINANCE
E-VENDOR FINANCE
EXPORT PACKING CREDIT
FLEET FINANCE
PM MUDRA YOJANA
Pradhan Mantri MUDRA Yojana (PMMY): Business Enterprises (existing/new units) in Manufacturing, Trading and Services sector including Allied Agricultural activities are eligible for loan up to Rs 10 lacs.
Depending upon quantum of loan, 3 categories are there: (a) SHISHU- loans up to Rs.50,000; (b) KISHORE- loans from Rs.50,001 to Rs.500,000; (c) TARUN- loans from Rs.500,001/- to Rs.10,00,000/-. For (b) &(c) categories margin money for loan amount is 10%.
Login on http://www.mudramitra.in/
PULSE@MSMEs
MSMEs entrepreneurs’ meetings across country: With an objective to have feel of ground level realities of MSMEs working, the issues & challenges faced by MSMEs, and sharing with them possible way outs, the meetings with MSME entrepreneurs has been carried out at all important centres in the country.
BENGALURU
Interactions with Small & Medium enterprises promoters (Electronic city)
Interactions with Micro & Small enterprises promoters (Banaswadi)
In a " Crowdfunding" program of Federation of Karnataka Chambers of Commerce & Industry (FKCCI)
Interactions with Startups
HYDERABAD
Meeting with promoters of MSMEs at Saifabad (Hyderabad)
DELHI
Meeting the Small & Medium enterprises promoters at Okhla Industrial Estate (Delhi)
CHENNAI
Meeting with Medium enterprises promoters at Guindy Industrial Estate, Chennai
KOLKATA
Interactions with Medium Enterprises promoters in Kolkata
PUNE
Meeting Small & Medium Enterprises entrepreneurs at Pimpri Chinchwad (Pune)
GREATER NOIDA
Meeting SMEs promoters at NSEZ Park at Greater NOIDA
SHILLONG
Meeting Micro & Small entrepreneurs at Bada Bazar (Shillong)
GALLERY
ADVISOR
Advisor on the SME Chamber of India National Advisory Board
ADVISOR
Advisor to Kiritra bankoncloud (digital solution provider for SMEs)
CONFERENCES
As a Speaker & Panellist in International & National Conferences Panellist in SME Chamber of India Webinar on “India SME Banking Summit” on the 17th June 2021
Link: https://youtu.be/0_k4OPf9_Ew
At BCCI-NSE Conference, as a speaker on “Hand holding and Rehabilitation Mechanism for Stressed Assets”
On TV9 as a Panellist on Union Budget live discussion
As an expert MSME Practitioner Panellist on “MSMEs in Short and Medium Term” on 14th June 2021
Link: https://www.youtube.com/watch?v=Ai57k0_jj98
As a Panelist on Panel discussion on “MSME Sector in the time of the Pandemic: Challenges and Policies” of The Institute of Social and Economic Change (15th December 2021)
My Talk on “Indian Rupee in current International Scenario” under Brickworks & JAGSoM auspices (30th March2022)
Speaker on “New Financial Approaches for meeting MSME Credit Gap” in a Webinar (26th August 2022)
CONFERENCES
Panellist in “Smart Solutions for SMEs” on the theme:” Bounce Back with Technology Advantage” of SME Chamber of India. https://youtu.be/YTm1wvo2fpY
At BCCI-SIDBI Conference, as a speaker on “Beyond Debt Financing of MSMEs by Banks: Exploring New Avenues & Integration of Stakeholders in Hand-Holding & Rehabilitation”
Panellist in “Decoding Union Budget 2021-22” of SME Chamber of India
Speaker in the Plenary Session on Emerging Opportunities for MSMEs during AIMA's 10th MSME Convention on "Innovative Solutions for MSMEs: Challenges and Opportunities" on 10th Dec 2020
As a Speaker on ‘Agri Value- Chain Financing’ at RBI’s Centre for Advanced Financial Research & Learning(26th August 2021)
Presenting Paper on “MSMEs Financing Challenges” at International Conference on MSMEs Management at Indian Institute of Management, Amritsar (22nd January 2022)
As a speaker on “People/ Tallent Challenges of MSMEs” in this BCCI’s “MSMEs Conclave” (22nd &23rd April 2022)
https://www.youtube.com/watch?v=y_PIBZNw7DA
Executing “Business Sustainability” course @ JAGSoM. Business could impact people’s lives.(Oct-Dec 2022)
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet, consectetur adipiscing elit.
DISCLAIMER
The various initiatives or guidelines of Government, Reserve Bank of India or any statutory bodies are dynamic and keep on changing. Therefore, readers should also refer to these original sources of information.