Inverted GST: I Experienced This While Exporting Tea GST sounds simple: you buy inputs, pay GST, claim Input Tax Credit (ITC) and use that credit against your output tax. But things can become complicated when the GST rate on your inputs is higher than the rate applicable to your output. I experienced this while exporting
An MSME can have a healthy order book, good customers and plenty of invoices — and still run short of cash. Why? Because sales are not the same as cash in the bank. A ₹10 lakh invoice may have been raised today, but if the buyer pays after 45 or 60 days, the MSME still
CGTMSE Guarantee on TReDS: Unlock Working Capital From Unpaid MSME Invoices Read More »
UPI is entering a new phase in 2026. From October 15, 2026, a new Merchant Discount Rate (MDR) will apply to specified Person-to-Merchant (P2M) UPI transactions above ₹2,000. The standard MDR is 0.4%, with a maximum MDR of ₹300 per transaction for payments of ₹75,000 and above. However, this does not mean that customers will
UPI Charges 2026: Latest UPI MDR Rules From October 15 2026. Read More »
Small businesses that do not have GST registration could soon find it easier to access formal business credit. State Bank of India (SBI) is developing a new lending solution that could use UPI transaction data to assess the creditworthiness of small businesses that do not have GST registration. SBI Managing Director Ashwini Kumar Tewari disclosed
No GST? SBI’s UPI Lending Plan Could Change Small-Business Loans Read More »
For a small exporter, getting an international order is only half the challenge. The real problem often comes afterward. You may manufacture and ship goods today, but your foreign buyer could pay after 30, 60 or 90 days. Meanwhile, you still need money for raw materials, salaries, freight and your next order. This is where
BRICS Invoice Discounting: Could Indian Exporters Get Faster Working Capital? Read More »
You accept payments through UPI every day. Customers pay you through: 📱 PhonePe📱 Google Pay📱 Paytm📱 Bank UPI apps But here’s an important question: Can your UPI transaction history help you get a business loan? The short answer is: Potentially, yes—but UPI transactions alone do not guarantee loan approval. India is increasingly moving towards cash-flow
Can UPI Transactions Help You Get a Business Loan? What Indian MSMEs Need to Know Read More »
Can UPI replace PayPal? It may sound impossible today. But after Prime Minister Narendra Modi’s latest call to expand UPI’s global reach, the question is becoming increasingly relevant for Indian businesses. UPI has already changed how India pays. Now, India wants to connect it with more international payment systems. So, could an Indian exporter, freelancer
What happens when an MSME loan becomes NPA? Can you get another business loan? Can the existing loan be restructured? Is One-Time Settlement (OTS) possible? Can a sick MSME be revived? These are not theoretical questions for thousands of small-business owners. An MSME can have customers, orders, machinery and a viable business model and still
MSME Loan for NPA Account: Can You Get a Loan After Your MSME Loan Becomes NPA? Read More »
If your MSME sells to large companies, PSUs, government departments or other eligible buyers, TReDS can help you convert eligible unpaid invoices into working capital instead of waiting for the normal payment cycle. And in 2026, TReDS has become even more important. The Ministry of MSME’s current portal specifically asks MSME units to onboard on
TReDS Registration for MSMEs 2026: Step-by-Step Guide Read More »
GST Inclusive vs Exclusive is one of those simple-looking concepts that can create confusion when preparing quotations, invoices, product prices or service proposals. If a customer says, “Give me a final price of ₹10,000 including GST,” the calculation is different from saying “₹10,000 + GST.” For a small business, getting this wrong can directly affect
GST Inclusive vs Exclusive: Meaning, Difference & How to Calculate GST Read More »
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