{"id":36949,"date":"2021-09-01T19:13:19","date_gmt":"2021-09-01T19:13:19","guid":{"rendered":"https:\/\/www.smeraonline.com\/newweb\/?p=36949"},"modified":"2021-09-01T19:13:19","modified_gmt":"2021-09-01T19:13:19","slug":"msme-loan-schemes","status":"publish","type":"post","link":"https:\/\/www.smeraonline.com\/hindi\/2021\/09\/01\/msme-loan-schemes\/","title":{"rendered":"Why MSMEs need to be in the &#8216;scheme&#8217; of things"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"36949\" class=\"elementor elementor-36949\">\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\">\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<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-35b04f6 elementor-widget elementor-widget-heading\" data-id=\"35b04f6\" 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\">Why MSMEs need to be in the 'scheme' of things<\/h2>\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 class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">For centuries now, the world has turned to India for spiritual inspiration, knowledge of handicrafts, agriculture and marvelled at the nation&#8217;s vast swathes of fertile land, diverse resources and labourers with varied skill sets. India is also perceived as a goldmine of local entrepreneurial talent.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Young minds brimming with ideas enhance industrialisation, all with basic capital and low investment. Even the quintessential Indian woman is seen as a homemaker, wealth creator and wealth multiplier.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">This is the essence of Micro, Small and Medium Enterprises (MSME) and Small and Medium-sized Enterprises (SMEs) that ought to thrive in this seemingly natural business environment. They could complement large corporates as ancillary units.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Yet, challenges remain. The general perception that MSMEs and SMEs are underserved is not entirely unfounded.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">They often function with high-stress levels owing to insufficient capital base and lack of timely credit. The conservative approach of financial institutions in lending to these enterprises doesn&#8217;t help either. They&#8217;re often assessed unfavourably on industry risk, management risk, business risk, project risk and financial risk.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Since MSMEs are largely heterogeneous in nature, their evaluation is complex thereby affecting credit delivery. Credit penetration in general is high in countries with better Credit Information Infrastructure. On this count, India still has some distance to cover, though rating institutions like SMERA are helping the MSME sector in India to grow and have access to credit through independent and unbiased credit opinion that banks could rely on.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">SMERA, the world&#8217;s first MSME-focused rating agency, had introduced the concept of SME ratings in India. A good rating provides comfort to lenders, including bankers, financial institutions and NBFCs, entrepreneurs, customers, suppliers, foreign partners, and collaborators among others for joint ventures.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Meanwhile, recent policies on the part of the government hint at a definite change. Although reports claim that many lenders downed the shutters on these businesses during the pandemic, the Indian government has kept this sector alive and vibrant.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">A business daily cited the government&#8217;s claim that nearly 1.09 crore MSME borrowers were given a guaranteed support of Rs 1.65 lakh crore under the Emergency Credit Line Guarantee Scheme (ECLGS) up to July 2, 2022, as part of a Covid-19 relief package to help them resume businesses and meet their operational liabilities. It added that such measures saw lending to these businesses jump to Rs 9.5 lakh crore in the pandemic-hit FY21 from Rs 6.8 lakh crore in FY20.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">It&#8217;s in India&#8217;s interest to open the business arteries for these enterprises through a plethora of MSME schemes.<\/span><\/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<h2 class=\"elementor-heading-title elementor-size-default\">What kind of MSME schemes can businesses avail?<\/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 class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Large organisations have deep pockets to meet their working capital requirements regardless of client outstandings. Delayed payments however cripple MSMEs and SMEs that don&#8217;t have high cash reserves. It&#8217;s here that government schemes for MSMEs serve as a massive boost.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">In October last year, the MSME ministry urged corporates to clear pending dues to improve cash flows in the economy such that MSMEs could revive their businesses in the festive season. All Central Public Sector Enterprises (CPSEs) were instructed to release their payments within 45 days to which they responded admirably.<\/span><\/p><p><span lang=\"EN-GB\">MSMEs need an arm around the shoulder with initiatives like this. Specific MSME schemes such as the ones listed below go a long way in reinvigorating the sector.<\/span><\/p><ul><li><b><span lang=\"EN-GB\">Prime Minister Employment Generation Programme:<\/span><\/b><span lang=\"EN-GB\">\u00a0Managed by Khadi and Village Industries Commission (KVIC), the scheme creates employment opportunities in both rural and urban areas for these businesses.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Market Promotion &amp; Development Scheme:<\/span><\/b><span lang=\"EN-GB\">\u00a0An amalgamation of different MSME schemes run by the Khadi sector, including marketing and publicity.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Technology Upgradation and Quality Certification:<\/span><\/b><span lang=\"EN-GB\"> Intended to achieve zero-defect practices in manufacturing processes.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Marketing Promotion Schemes:<\/span><\/b><span lang=\"EN-GB\"> Involves activities like visiting MSME delegations to other countries to identify new areas of technology, participating in international exhibitions and trade fairs.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Entrepreneurship and Skill Development Programme:<\/span><\/b><span lang=\"EN-GB\"> Nurtures young entrepreneurs by training them on various aspects of industrial development.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Infrastructure Development Programme:<\/span><\/b><span lang=\"EN-GB\">\u00a0Aimed to provide R&amp;D and training centres to clusters of MSMEs.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Scheme of Surveys, Studies and Policy Research:<\/span><\/b><span lang=\"EN-GB\">\u00a0Maintains records of existing and upcoming MSMEs. These records contain significant aspects and features of MSMEs.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">National SC-ST-HUB:<\/span><\/b><span lang=\"EN-GB\"> Supports scheduled cast and scheduled tribe entrepreneurs in technological up-gradation.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Scheme of Information, Education and Communication:<\/span><\/b><span lang=\"EN-GB\"> Promotes skill up-gradation in both existing and new MSMEs.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Scheme of Fund for Regeneration of Traditional Industries:<\/span><\/b><span lang=\"EN-GB\">\u00a0Organises traditional industries and artisans into clusters to make them competitive and provides support for their long-term sustainability.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Scheme for Promotion of Innovation, Rural Industries and Entrepreneurship:<\/span><\/b><span lang=\"EN-GB\">\u00a0Sets up business and innovation incubators especially for start-ups and early-stage enterprises.<\/span><span lang=\"EN-GB\"><br \/><\/span><\/li><\/ul>\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\">What are MSME loan schemes?<\/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 class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">But while these schemes are laudable, MSMEs and SMEs need capital stimulus to advance businesses, purchase raw materials, machinery, invest in fixed assets and meet working capital requirements.<\/span><\/p><p><span lang=\"EN-GB\">Timely MSME loan schemes serve as a growth driver. On this score, the scenario in India seems to be changing for the better, for not only are these loans quickly processed, they have something unique for different categories of businesses.<\/span><\/p><ul><li><b><span lang=\"EN-GB\">MSME Loan in 59 Minutes:<\/span><\/b><span lang=\"EN-GB\">\u00a0Seems unreal, isn&#8217;t it? Truly, 59 minutes is all it takes to get a loan approved. To avail of the loan, the lender must be IT-complaint and GST-registered. Since the loan application is done through a digital process, the programme is called Advanced Technology Backed Loans.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">MUDRA Loan or Pradhan Mantri MUDRA Yojana:\u00a0<\/span><\/b><span lang=\"EN-GB\">It was established with the intention of financing the unfunded. Provides loans up to Rs 10 lakh to non-corporate and micro-enterprises.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">SMILE (SIDBI Make in India Soft Loan Fund for MSMEs):<\/span><\/b><span lang=\"EN-GB\">\u00a0It was aimed at including MSMEs in the &#8216;Make in India&#8217; campaign. The focus was to finance small enterprises within the MSME sector. The term soft loan was introduced to offer loans with &#8216;soft terms&#8217;.<\/span><\/li><li class=\"v1MsoNoSpacing\"><b><span lang=\"EN-GB\">Credit Guarantee Scheme (CGS):<\/span><\/b><span lang=\"EN-GB\"> It was launched to catalyse the flow of institutional credit to Micro &amp; Small Enterprises (MSEs), strengthen the credit delivery system and finance the unserved, under-served and underprivileged.<\/span><\/li><\/ul><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">The odd bumps on the road are inevitable. Only recently, the government discontinued the Credit Linked Capital Subsidy Scheme for Technology Upgradation. The scheme provided a capital subsidy of 15% on institutional finance of up to Rs 1 crore availed by these businesses to upgrade their plant and machinery with the latest technology.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">According to a business portal, the scheme&#8217;s suspension comes right after it posted its best performance in five years and that the capital subsidy support provided was also the highest in FY21 at Rs 1,102.57 crore.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">The unrest in this business community is understandable. It&#8217;s obvious that these business entities are becoming increasingly vocal about their needs. To cite an example, engineering exporters in the MSME segment have sought government intervention on rising steel prices, insisting that the industry needs the alloy at affordable rates to boost export competitiveness in the global markets. Their voices deserve to be heard.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Still, the plusses in recent times are undeniable. MSMEs and SMEs have not only benefited from a slew of government loan schemes, they&#8217;re also getting exposure to various development programmes like the ones listed below.<\/span><\/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 MSME skill development programme achieves...<\/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 class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Entrepreneurship promotion programmes are being organised to enlighten young talent on various aspects of business activities required for setting up MSEs. There are reports on the way such activities are organised in polytechnics and business schools to motivate them towards self-employment.<\/span><\/p><p class=\"v1MsoNoSpacing\"><span lang=\"EN-GB\">Prestigious institutions like National Institute of Micro, Small and Medium Enterprises (NIMSME) and Khadi and Village Industries Commission (KVIC) frequently conduct skill-development programmes for future entrepreneurs.<\/span><\/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\">Conclusion<\/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>Market analysts have rightly averred that a shift in the government&#8217;s mindset is the key to MSMEs achieving their true potential. While financial sops, government loan schemes for MSMEs and MSME schemes for new entrepreneurs are a boon, it&#8217;s widely held that more could be done to infuse vigour into these segments. They should get technological backing and assistance in structural changes to improve operational efficiencies and recharge the demand side. Given that MSMEs and SMEs are the pulses of the economy, do they deserve any less?<\/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>Why MSMEs need to be in the &#8216;scheme&#8217; of things For centuries now, the world has turned to India for spiritual inspiration, knowledge of handicrafts, agriculture and marvelled at the nation&#8217;s vast swathes of fertile land, diverse resources and labourers with varied skill sets. India is also perceived as a goldmine of local entrepreneurial talent. &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.smeraonline.com\/hindi\/2021\/09\/01\/msme-loan-schemes\/\"> <span class=\"screen-reader-text\">Why MSMEs need to be in the &#8216;scheme&#8217; of things<\/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\/36949"}],"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=36949"}],"version-history":[{"count":0,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/posts\/36949\/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=36949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/categories?post=36949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smeraonline.com\/hindi\/wp-json\/wp\/v2\/tags?post=36949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}