{"id":36582,"date":"2021-12-14T13:17:41","date_gmt":"2021-12-14T13:17:41","guid":{"rendered":"https:\/\/www.smeraonline.com\/newweb\/?p=36582"},"modified":"2021-12-14T13:17:41","modified_gmt":"2021-12-14T13:17:41","slug":"startup-rating","status":"publish","type":"post","link":"https:\/\/www.smeraonline.com\/hindi\/2021\/12\/14\/startup-rating\/","title":{"rendered":"startup rating"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"36582\" class=\"elementor elementor-36582\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ebfe1ac elementor-section-full_width elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-height-default elementor-section-height-default\" data-id=\"ebfe1ac\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08a22fc\" data-id=\"08a22fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-594b852 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"594b852\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-de834de\" data-id=\"de834de\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f5da42e\" data-id=\"f5da42e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e46451 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e46451\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-86413cf\" data-id=\"86413cf\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9086e85 elementor-widget elementor-widget-image\" data-id=\"9086e85\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"512\" src=\"https:\/\/www.smeraonline.com\/hindi\/wp-content\/uploads\/2021\/12\/startup-rating-banner-image-1024x512.jpg\" class=\"attachment-large size-large\" alt=\"startup rating\" loading=\"lazy\" srcset=\"https:\/\/www.smeraonline.com\/hindi\/wp-content\/uploads\/2021\/12\/startup-rating-banner-image-1024x512.jpg 1024w, https:\/\/www.smeraonline.com\/hindi\/wp-content\/uploads\/2021\/12\/startup-rating-banner-image-300x150.jpg 300w, https:\/\/www.smeraonline.com\/hindi\/wp-content\/uploads\/2021\/12\/startup-rating-banner-image-768x384.jpg 768w, https:\/\/www.smeraonline.com\/hindi\/wp-content\/uploads\/2021\/12\/startup-rating-banner-image.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f747d3a elementor-widget elementor-widget-text-editor\" data-id=\"f747d3a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>A poisonous smog casts a blanket on New Delhi almost every year now. But the power of innovation guides us through the most testing times. For evidence, look no further than the story of two inventive <a href=\"https:\/\/en.wikipedia.org\/wiki\/Startup_company\" target=\"_blank\" rel=\"nofollow noopener\">startups<\/a> that infused life into the capital in 2015 and 2018 when it was coping with alarmingly high pollution levels.<\/p><p>In 2015, the government desperately implemented the odd-even vehicle rule in New Delhi for traffic rationing. Lack of last-mile connectivity naturally hindered the pace of the city.\u00a0<\/p><p>Sensing an opportunity to do something unique, a Kolkata-based entrepreneur started a rental, green transport facility with electric scooters that didn&#8217;t require licenses. Soon this by-the-hour electric scooter service became a rage in Kolkata too. A startup was born.<\/p><p>The story in 2018 is no less interesting. Yet again, New Delhi had become a noxious gas chamber. A 25-year-old launched a startup to manufacture nasal filters to restrict the entry of harmful particles into the body. The cost \u2013 you might blink in disbelief \u2013 was just Rs 10.<\/p><p>Startups, like SMEs and MSMEs, are the life-forces of an emerging economy like India. Many large organisations believe it&#8217;s in their interests to collaborate with innovative startups with growth potential.\u00a0<\/p><p>Yet, like any other corporate setup, for startups to grow they need funds too and StartUp Rating facilitates funding and act as a third party opinion for the investors and lenders.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b15d81c elementor-widget elementor-widget-heading\" data-id=\"b15d81c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What is startup rating?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c199570 elementor-widget elementor-widget-text-editor\" data-id=\"c199570\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Essentially, startups are defined as companies in the early stages of operations. Regardless of their potential, they often have to prove their worth to win the confidence of lenders and investors.\u00a0<\/p><p>To attract capital, they need to establish their credibility in terms of products, services, innovative technology and overall operations. A startup rating serves as a boon.\u00a0<\/p><p>However, the term &#8216;ratings&#8217; is often used loosely. While the definition of credit ratings and startup ratings might overlap a touch, there&#8217;s a significant difference.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf42dd elementor-widget elementor-widget-heading\" data-id=\"9cf42dd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is credit rating different from startup rating?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f95c254 elementor-widget elementor-widget-text-editor\" data-id=\"f95c254\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Credit rating measures a business entity&#8217;s ability to honour a financial obligation based on income and records of repayment in a timely manner. \u00a0Banks and lenders use credit rating as one of the barometers for lending decisions.<\/p><p>Startups, essentially young companies with a vision to launch unique products, are rated differently. Startup ratings help in determining whether these entities will be able to operate successfully on their own after the initial round of bootstrapping, which is starting an enterprise with one&#8217;s savings and small capital from family and friends.<\/p><p>Essentially, ratings qualify and analyse promising startups based on the founders&#8217; background, level of product innovation, technological competence, potential of the market the company is eager to capture and its overall operations.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6692920 elementor-widget elementor-widget-heading\" data-id=\"6692920\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the benefits of startup ratings?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4770dfb elementor-widget elementor-widget-text-editor\" data-id=\"4770dfb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Unfortunately, startups start with a disadvantage, for they usually lack the financial records to demonstrate their stability. Thus, they&#8217;re assessed slightly differently.\u00a0<\/p><p>And since young companies are susceptible to bankruptcy, investors are keen to run a checklist with due diligence, which is why they turn to startup rating agencies.\u00a0<\/p><p>Through a statistically strong rating methodology, these agencies give lenders as well as investors a comprehensive picture of the risk profile of such businesses, while gauging their actual growth potential.\u00a0<\/p><p>Startup rating agencies are also able to flag early risks like the absence of genuine financial commitment from key investors that could hamper the growth of the business and consequently threaten its survival.\u00a0<\/p><p>As someone has aptly said: &#8220;When there is a benchmark for how investable you are, it gives you quantifiable credibility.&#8221;<\/p><p>An independent audit helps in identifying other areas too like barriers for entry that could be resolved by having strategic partners. But is it a case of just &#8216;rate my startup&#8217; and that&#8217;s enough to set the ball rolling? Certainly not.<\/p><p>It must be noted that not many rating institutions are equipped to do an in-depth audit, and robust, independent and unbiased assessments.<\/p><p>It explains why a\u00a0startup rating agency\u00a0like <a href=\"https:\/\/en.wikipedia.org\/wiki\/SME_Rating_Agency_of_India\" target=\"_blank\" rel=\"noopener\">SMERA<\/a> has wider acceptability among banks and lending institutions. <a href=\"https:\/\/www.smeraonline.com\/newweb\/\" target=\"_blank\" rel=\"noopener\">SMERA<\/a> has also updated its rating product into a short, crisp and in-depth analysis-driven report on various business parameters of startups that helps bankers make informed lending decisions.\u00a0<\/p><p>It offers other products in the form of <a href=\"https:\/\/www.smeraonline.com\/newweb\/index.php\/sme-rating\/\" target=\"_blank\" rel=\"noopener\">SMERA New Enterprise Credibility Score<\/a> designed for startups to establish their identity and build visibility amongst various stakeholders. <a href=\"https:\/\/www.smeraonline.com\/newweb\/\">SMERA<\/a> has successfully assigned credibility scores to more than 100 new enterprises.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f99361e elementor-widget elementor-widget-heading\" data-id=\"f99361e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How ratings can contribute to the startup growth rate in India...<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0efd3df elementor-widget elementor-widget-text-editor\" data-id=\"0efd3df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>India is now the hub of startup stories. <a href=\"https:\/\/www.nykaa.com\" target=\"_blank\" rel=\"nofollow noopener\">Nykaa<\/a> CEO Falguni Nayar has become the face of the self-made entrepreneur, demonstrating that one can start a business with Rs 50, yet become India&#8217;s richest woman billionaire.\u00a0<\/p><p>Space technology and even gaming startups are rapidly mushrooming in the country. In fact, India&#8217;s gaming startups witnessed a rise in funding from $222 mn across 30 deals last year to $475.28 mn across 37 deals so far in 2021.\u00a0<\/p><p>According to industry estimates, this festive season witnessed $4.1 bn being poured into 96 Indian startups. <a href=\"https:\/\/www.acko.com\" target=\"_blank\" rel=\"nofollow noopener\">Acko<\/a>, <a href=\"https:\/\/www.licious.in\" target=\"_blank\" rel=\"nofollow noopener\">Licious<\/a>, <a href=\"https:\/\/www.cardekho.com\" target=\"_blank\" rel=\"nofollow noopener\">CarDekho<\/a>, <a href=\"https:\/\/www.rebelfoods.com\" target=\"_blank\" rel=\"nofollow noopener\">Rebel Foods<\/a> and <a href=\"https:\/\/www.mobikwik.com\" target=\"_blank\" rel=\"nofollow noopener\">MobiKwik<\/a> among others have made it to the prestigious club of unicorns, a further indication of the\u00a0startup success rate\u00a0India is witnessing. \u00a0<\/p><p>Meanwhile, India has jumped three places in the global startup ranking this year. With this quantum leap, India&#8217;s startup ecosystem finds itself in the top 20 countries again.\u00a0<\/p><p>The government, keen to maximize their potential, has launched a portal called StartupIndia, which will serve as a guidebook for policy initiatives to support startups and MSMEs. Schemes like <a href=\"https:\/\/en.wikipedia.org\/wiki\/Micro_Units_Development_and_Refinance_Agency_Bank\" target=\"_blank\" rel=\"nofollow noopener\">Pradhan Mantri Mudra Yojana<\/a>, <a href=\"https:\/\/www.mudra.org.in\/\" target=\"_blank\" rel=\"nofollow noopener\">MUDRA loan<\/a>, and <a href=\"https:\/\/clcss.dcmsme.gov.in\/\" target=\"_blank\" rel=\"nofollow noopener\">Credit Linked Capital Subsidy for Technology Upgradation<\/a> (CLCSS) are aimed at giving startups a massive fillip.<\/p><p>Perhaps, scores of entrepreneurs are waiting to unleash their ideas, make their presence felt in a growth-oriented environment, and be the next job creators.<\/p><p>The role of startup rating agencies thus continues to assume a greater significance. Eventually, they will enable meaningful collaboration between corporates and innovative startups. Through scientific methods, comprehensive data and independent analysis, they will accelerate decision-making for financers and further bolster the\u00a0startup success rate.<\/p><p>When India&#8217;s economic health is reviewed, startups might get more than a passing mention. And wouldn&#8217;t that make startup rating agencies proud?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dd22b33\" data-id=\"dd22b33\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7f64a0 elementor-widget elementor-widget-heading\" data-id=\"c7f64a0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Services for SMEs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d330dfc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d330dfc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7af1a62\" data-id=\"7af1a62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f51bc8 elementor-widget elementor-widget-heading\" data-id=\"8f51bc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SME Credit Rating<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb818b elementor-widget elementor-widget-text-editor\" data-id=\"3eb818b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong>An independent &amp; unbiased opinion of an entity&#8217;s creditworthiness.<br> <a href=\"https:\/\/www.smeraonline.com\/newweb\/index.php\/sme-rating\/\">Know more<\/a><\/strong>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-76293ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76293ee\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-02d80be\" data-id=\"02d80be\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcb1d75 elementor-widget elementor-widget-heading\" data-id=\"dcb1d75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit Due Diligence<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7e8b43 elementor-widget elementor-widget-text-editor\" data-id=\"c7e8b43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong>A thorough fact check to validate an entity&#8217;s parameters.<br>\n<a href=\"https:\/\/www.smeraonline.com\/newweb\/index.php\/sme-rating\/\">Apply now.<\/a><\/strong>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2aa0b01 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2aa0b01\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0a29da5\" data-id=\"0a29da5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-786202b elementor-widget elementor-widget-heading\" data-id=\"786202b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SMERA Terminal<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4ff052 elementor-widget elementor-widget-text-editor\" data-id=\"e4ff052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong>A fintech platform connecting bankers &amp; SMEs to facilitate loans.<br> <a href=\"https:\/\/terminal.smeraonline.com\/general_registration.php\">Sign up<\/a><\/strong>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b8b3ee elementor-widget elementor-widget-spacer\" data-id=\"4b8b3ee\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.e-container.e-container--row .elementor-spacer-inner{width:var(--spacer-size)}.e-container.e-container--column .elementor-spacer-inner,.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-befecae elementor-widget elementor-widget-heading\" data-id=\"befecae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">More about SMERA<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85a962a elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"85a962a\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=lcLhidKUYpE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;,&quot;aspect_ratio&quot;:&quot;169&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.elementor-widget-video .elementor-widget-container{overflow:hidden;-webkit-transform:translateZ(0);transform:translateZ(0)}.elementor-widget-video .elementor-open-inline .elementor-custom-embed-image-overlay{position:absolute;top:0;left:0;width:100%;height:100%;background-size:cover;background-position:50%}.elementor-widget-video .elementor-custom-embed-image-overlay{cursor:pointer;text-align:center}.elementor-widget-video .elementor-custom-embed-image-overlay:hover .elementor-custom-embed-play i{opacity:1}.elementor-widget-video .elementor-custom-embed-image-overlay img{display:block;width:100%}.elementor-widget-video .e-hosted-video .elementor-video{-o-object-fit:cover;object-fit:cover}<\/style>\t\t<div class=\"elementor-wrapper elementor-fit-aspect-ratio elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b5c1e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b5c1e8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9b096f\" data-id=\"d9b096f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ccb636c elementor-widget elementor-widget-heading\" data-id=\"ccb636c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's talk<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e348ae elementor-widget elementor-widget-html\" data-id=\"6e348ae\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<!-- Calendly link widget begin -->\n\n<!-- Calendly link widget begin -->\n<style>\n    .mybutton{\n        background-color: #0089CB;\nborder-radius:0px;\n  border: none;\n  color: white;\n  padding: 10px 32px;\n  text-align: center;\n  text-decoration: none;\n  display: inline-block;\n  font-size: 0.9 em;\n  font-family: Roboto;\n  font-weight: bold;\n  cursor: pointer;\n  box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2), 0 6px 20px 0 rgba(0, 0, 0, 0.19);\n        \n    }\n    .mybutton:hover{\n        background-color: #ffffff;\nborder-radius:0px;\n  border: none;\n  color: #CC9955;\n  padding: 10px 32px;\n  text-align: center;\n  text-decoration: none;\n  display: inline-block;\n  font-size: 0.9 em;\n  font-family: Roboto;\n  font-weight: bold;\n  cursor: pointer;\n  box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2), 0 6px 20px 0 rgba(0, 0, 0, 0.19);\n        \n    }\n    .mylink{\n        color: white;\n    }\n    .mylink:hover{\n        color: orange;\n    }\n    \n<\/style>\n<link href=\"https:\/\/assets.calendly.com\/assets\/external\/widget.css\" rel=\"stylesheet\">\n<script src=\"https:\/\/assets.calendly.com\/assets\/external\/widget.js\" type=\"text\/javascript\" async><\/script>\n<div align=\"center\"><button class=\"mybutton\"><a class=\"mylink\"\"href=\"\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/smera2021\/30min'});return false;\">Schedule a Call<\/a><\/button><\/div>\n\n<!-- Calendly link widget end -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A poisonous smog casts a blanket on New Delhi almost every year now. But the power of innovation guides us through the most testing times. For evidence, look no further than the story of two inventive startups that infused life into the capital in 2015 and 2018 when it was coping with alarmingly high pollution &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.smeraonline.com\/hindi\/2021\/12\/14\/startup-rating\/\"> <span class=\"screen-reader-text\">startup rating<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":36600,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/posts\/36582"}],"collection":[{"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/comments?post=36582"}],"version-history":[{"count":0,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/posts\/36582\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/media\/36600"}],"wp:attachment":[{"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/media?parent=36582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/categories?post=36582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/tags?post=36582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}