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 …
Read moreWomen in India are currently the largest reservoir of talent who are driving the business world. As per the Udyam registration data 2025, women now own over 40% of MSMEs in India. The key factor driving this growth is women’s empowerment. The Udyogini Scheme for women entrepreneurs is at the heart of both empowerment and …
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There is a wave of entrepreneurial spirit in India. It is growing stronger not just in urban cities, but in TIER 2 and TIER 3 cities, as well. There are currently over 4.77 crore MSMEs in India registered on Udyam Portal. These days, starting a business does not require crores of rupees. The good thing …
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The truth is that you will always need money for both sustaining and growing your business. Business financing is the most accessible way to get the funds necessary for business operations. However, the business loan reality is that there are myths surrounding it that can affect your decision. There are misconceptions around MSMEs funding options …
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Every discussion about starting or running a business boils down to the money you have and need. Whether you are just starting a business or expanding it, you need money to buy inventory, pay vendors, cover salaries, pay bills, and more. 29% of startups in India fail simply because they don’t have enough money. The …
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India records 23,776 company registrations in April 2025. While the company registration itself is growing, limited liability partnership in India registrations are growing more quickly, with 19.2% year over year due to less compliance. It is popular because it offers the flexibility of a partnership combined with the benefits of limited liability. In a traditional …
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As a business owner, you cannot ignore or understate the importance of working capital. 9 out of 10 small and medium-sized (MSME) businesses face struggles to grow and operate due to a lack of working capital. It is also a leading cause of why many businesses fail. In times of increasing costs and fluctuating demand, …
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