Understand the Formula, Factors, and Tools to Calculate Your Business’s Working Capital Needs Accurately Authored By FlexiLoans | Date: 09/09/2025 Quick Summary What: A guide to calculating your business’s working capital needs. Why: To ensure smooth operations and prevent cash flow crunches. Who: For MSMEs and business owners managing finances. How: By using standard formulas and …
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Understand how the 4-tier GST tax structure impacts product pricing, business compliance, and customer decisions across sectors in India. Authored By FlexiLoans | Date: 08/09/2025 Quick Summary What: GST slabs are 0%, 5%, 12%, 18%, and 28% rates applied to different goods and services. Why: They affect product pricing, tax compliance, and business profitability. Who: Relevant …
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Understand RTGS in banking, a real-time fund transfer method ideal for high-value business transactions. Learn how it works, timings, charges & more. Authored By FlexiLoans | Date: 08/09/2025 Quick Summary What: RTGS is an instant fund transfer system used for high-value transactions (₹2 lakh and above). Why: It enables real-time settlement between banks, reducing delays, …
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Demystifying India’s three core tax IDs for entrepreneurs and business loan applicants Authored By FlexiLoans | Date: 05/09/2025 Quick Summary PAN stands for Permanent Account Number, used for all income tax filings. TAN is the Tax Deduction and Collection Account Number, mandatory for deductors. TIN was the Taxpayer Identification Number used for VAT, now replaced …
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Everything you need to know about obtaining, updating, and managing your DIN (Director Identification Number) under India’s Companies Act. Authored By FlexiLoans | Date: 04/09/2025 Quick Summary What: DIN is a unique ID issued to individuals intending to become company directors in India Why: It ensures regulatory traceability, prevents fraud, and enables MCA compliance Who: …
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Understand what a UTR number is, how it helps track NEFT/RTGS/IMPS/UPI transactions, and why it’s essential for personal and business finance in India. Authored By FlexiLoans | Date: 04/09/2025 Quick Summary What: UTR stands for Unique Transaction Reference number Why: It tracks fund transfers via NEFT, RTGS, IMPS, and ECS Who: Issued to both the …
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Learn how IFSC codes identify bank branches in India, support NEFT/RTGS/IMPS transfers, and ensure secure, accurate fund routing. Authored By FlexiLoans | Date: 03/09/2025 Quick Summary What: IFSC is an 11-character code that uniquely identifies an Indian bank branch Why: It identifies each bank branch for online transactions Who: Used by individuals, businesses, and banks …
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Understand how working capital loans can serve as essential business loan capital, helping SMEs stay liquid, compliant, and growth-ready in 2025. Authored By FlexiLoans | Date: 03/09/2025 Quick Summary What: Short-term business loan capital for daily operations Why: Helps SMEs manage cash flow and avoid business disruptions Who: SMEs facing seasonal sales, delayed receivables, or …
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Learn the MSME 45-day payment rule, its new tax implications under Section 43B(h), and how small businesses can stay compliant with practical steps. Quick Summary What: The MSME payment rule mandates that buyers must pay MSME-registered suppliers within 15 to 45 days Why: From FY 2024–25, delayed payments can lead to disallowed tax deductions under …
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Accessing credit is one of the biggest challenges that small and mid-sized businesses try to outgrow. A CIBIL score of 700 or above is fine, but 750 or higher is ideal for all the loans. CIBIL, however, is not the only credit bureau, as you also have Experian. CIBIL, for example, plays a role in …
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Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indian economy. They not only create employment for 20.51 crore individuals but also add 30% to the country’s GDP. This is why the Indian government supports these businesses with many MSME loan schemes. These MSME loan schemes aim to empower entrepreneurship and fuel business …
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A step-by-step guide to understanding and leveraging the ASPIRE Scheme, India’s initiative to boost rural entrepreneurship through business incubators. Authored By FlexiLoans | Date: 23/07/2025 Quick Summary What: A government-backed initiative to promote innovation and entrepreneurship in rural India through Livelihood and Technology Business Incubators Why: ASPIRE provides financial support of up to ₹1 crore to …
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