MSME loans, business credit cards, current accounts, registration and compliance — for proprietors, professionals and growing companies.
Two things decide most of what follows. The first is your credit profile: on a proprietorship or a young company a lender still prices against the promoter’s personal bureau file, so improving your credit score moves a business loan quote as much as it moves a personal one. The second is arithmetic — before you talk to anyone selling you finance, run the repayment through the EMI calculator and the tax through the GST calculator. If running costs are going on plastic, weigh the business options against the wider credit card market rather than only against each other.
Rankings and comparisons
Tally, Zoho Books and Vyapar compared on what actually matters — GST filing, e-invoicing and whether your accountant can open the file.
A business credit card is issued for business spending; pick the one whose fee your spend waives. The GST invoice, not the card, decides input tax credit.
Which business loan route to use, ranked by what it costs you in collateral rather than in rate.
How to pick a business current account on cash deposit limits, average balance and charges — and the RBI rule that can block you.
Razorpay, Cashfree and PhonePe compared on published pricing, and why the UPI line is the only number worth negotiating.
What the RBI caps debit card MDR at, why credit card MDR is not capped, and the settlement clauses to read before you sign an acquirer contract.
Guides and explainers
The GST, TDS, ROC and income tax deadlines an Indian company must hit through the year, and what each one is for.
Which business covers you are required to hold, which ones actually pay, and what each one is priced on.
Business loan rates in India run from about 10% a year at banks to 18% or more at NBFCs and app lenders; your spread depends on risk.
How the CGTMSE guarantee lets a bank lend an MSME up to Rs 10 crore without collateral, what it covers and what it costs.
Pvt Ltd, LLP, OPC and proprietorship compared on minimum people, liability and the annual audit trigger.
How machinery finance is actually priced in India, why no lender publishes a rate card, and when a CGTMSE guarantee replaces the collateral you do not have.
How TReDS lets an MSME sell an unpaid invoice for cash, without recourse, and what the MSMED Act already entitles you to.
The four Mudra loan slabs, the ₹20 lakh collateral-free rule, and what the scheme does not give you.
The four ways an Indian startup raises money, and what DPIIT recognition is actually worth.
Udyam registration costs nothing, needs only Aadhaar, never expires — and unlocks priority sector lending, 25% of government procurement and CGTMSE cover.
How a bank sizes a cash credit limit, why drawing power is lower than your sanction, and what collateral you actually need.
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