In India, Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the country’s economic growth, generating employment and contributing significantly to the GDP. However, accessing credit has often been a significant challenge for such enterprises, especially for startups and small-scale businesses. This is where responsible lending plays a transformative role. At LendingKart, responsible lending […]
When a business applies for a loan, lenders do not look at revenue alone. They assess whether the company is financially stable enough to repay the loan on time and manage additional debt responsibly. One of the most important tools used during this evaluation is ratio analysis. So, what is ratio analysis exactly? It
Even in the age of UPI and digital banking, cheques continue to play an important role in business payments, rent transactions, security deposits, and official banking processes. One of the most commonly searched banking questions is how to know cheque number correctly without mixing it up with the MICR code, account number, or IFSC
For a long time, Udyog Aadhaar served as the primary registration mechanism for MSMEs. However, as the sector evolved and the need for greater transparency increased, the government introduced Udyam Registration in July 2020 as its replacement. Even today, many business owners remain confused about the difference between Udyog Aadhaar and Udyam, mainly because
When businesses apply for funding, one of the first things they consider is the monthly repayment amount. Whether the loan is used for expansion, inventory, machinery, or working capital, understanding the EMI structure is important for effective financial planning. EMI, or Equated Monthly Instalment, is the fixed monthly amount paid towards repaying a loan
The popularity of digital lending in India has grown rapidly over the last few years. Today, borrowers can apply for loans online within minutes, complete KYC digitally, and receive funds directly into their bank accounts without visiting a branch. This convenience has made instant loan apps particularly popular among salaried individuals, freelancers, students, and
RBI Extends Export Credit Relief Till June 2026: What Exporters Should Know
Indian exporters continue to face pressure from global uncertainties, including geopolitical tensions, shipping delays, and slower trade demand. To support businesses during this period, the RBI has extended its temporary export relief measures till June 30, 2026. Under the latest RBI export credit circular, exporters can continue availing an enhanced export credit period of
