C2MSME BLOG
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Deep dives on MSME lending, credit risk, portfolio monitoring, and regulations — designed to be actionable for credit teams.
Project finance in India is exposed to delays from approvals, land acquisition, execution challenges, cost overruns and revenue uncertainty. This article explains why the Date of Commencement of Commercial Operations (DCCO) is a critical milestone for lenders, and how DCCO extensions can affect project risk, restructuring, asset classification and credit monitoring.
GST-based lending and ITR-based lending assess MSME creditworthiness through two different lenses: one focuses on sales and turnover data, while the other relies on income, profitability and financial statements. This article compares documentation, approval speed, interest rates, loan eligibility, risk assessment and suitability for different MSME borrowers.
Capital efficiency is becoming a strategic priority for Indian banks. This article explains how banks balance risk and returns through capital optimization, risk-weighted assets, Basel III compliance, and low-RWA products such as derivatives, bank guarantees, letters of credit, and FX contracts.
