Whalesbook
RBI ki taraf se MSMEs ke liye bada update!
Toh yaar, Reserve Bank of India (RBI) ne apne TReDS platform ko theek karne ka plan bataya hai. Yeh platform saal se invoice discounting ke liye use ho raha hai, par ab isko aur smooth banayenge taaki India ke MSME sector ko finance milne mein dikkat na aaye.
Onboarding Hoga Easy, Risk Bhi Kam
Sabse important baat yeh hai ki ab MSMEs ke liye TReDS platform par register karna bahut easy ho jayega. Jo lenders hain, jaise banks aur NBFCs, unko risk kam karne ke liye guarantee cover milega. Isse zyada financiers aaenge aur platform par paisa badhega. Naye platform operators ke liye bhi entry barrier kam kar diya hai, ab ₹25 crore net worth chahiye pehle wali ₹100 crore paid-up capital ki jagah. Ek aur mast cheez, TReDS platforms ko ab receivables assignment ko CERSAI mein register karna hoga taaki koi gadbad na ho aur fraud control ho sake.
₹8.1 Lakh Crore Ki Payment Gap Ko Kaise Khatam Karenge?
MSMEs India ki economy ke liye bohot important hain, par unka lagbhag ₹8.1 lakh crore delayed payments mein atak jata hai. Isse unki working capital ki problem badh jati hai aur growth ruk jati hai. Aksar woh buyers ke khilaf legal action nahi lete kyunki future orders ka dar rehta hai.
Guarantee Cover Se Milega Aur Support
Receivables Exchange of India ke MD & CEO, Ketan Gaikwad kehte hain ki buyer-risk model ab bhi hai, jo credit discipline maintain karta hai. Union Budget mein buyers ke liye turnover threshold bhi ₹250 crore kar diya gaya hai. Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) MSMEs ke liye TReDS exposure par guarantee dega, jisse lenders chote corporates ko bhi support kar paenge. M1xchange ke founder Sundeep Mohindru ne bataya ki TReDS mein default rate bohot kam (0.3%) raha hai. Yeh guarantee lenders ki efficiency badhayegi aur supply chains mein deeper tak financing pahunchane mein help karegi.
Exporters Ko Bhi Fayda
MSE exporters ke liye, global trade mein fluctuations ke beech timely payments bohot zaruri hai. Drip Capital ke CEO Pushkar Mukewar ne kaha ki jinhe fast finance milta hai woh aage badh rahe hain, baaki log banking delays se struggle kar rahe hain. Unhone kaha ki shipment demands ko pura karne ke liye capital access bohot zaruri hai.
Legal Classification Ban Sakta Hai Friction
UGRO Capital ke Shachindra Nath ne bataya ki TReDS economiclly short-term credit hai, par legal classification factoring ki wajah se kuch NBFCs ke liye dikkat paida karti hai. Isse financiers kam hote hain aur MSMEs ke liye pricing par bhi asar padta hai.