Knowledge Partner

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India has the second largest MSME ecosystem in the world with 6.3 crore MSMEs that are a driver of Atmanirbhar Bharat. Together they contribute 30% of the country’s GDP and 50% to exports, generating massive employment opportunities.

Despite MSME’s contribution to the country’s socio-economic growth, the sector suffers from a colossal credit gap of Rs 20-25 lakh crore (the difference between the total supply of credit from formal channels vis-a-vis the addressable demand from the sector). Till date, according to different studies, only 16-25 per cent of the MSMEs in India have access to formal lending leaving the rest (almost 80% of the sector) under-financed or dependent on informal sources of finance.

The reason traditional lenders steer clear of supporting MSMEs is due to their informal nature of business, inability to offer collateral, and lack of credit history. However, in the last few years, with the rise of technology, MSME financing is undergoing a paradigm shift with various lending models emerging for the sector.

Financial Express Digital’s SMEArtha aims to bring the key stakeholders together to explore the latest trends in MSME lending, fin-tech, and payments space with the singular aim to enable credit access for small businesses.

Topics of Discussion

  • Rise of cash flow lending for MSMEs
  • How banks need to innovate and adapt to lend to priority sector
  • Challenges: GST and e-invoicing
  • Simplifying SME IPOs
  • Easing the adoption of online payment solutions
  • Innovations by NBFCs and small finance banks
  • Emerging co-lending models
  • Review credit rating models for MSMEs

Who Should Attend?

  • SME Promoters
  • MSME Associations
  • Banks
  • Fintech Firms
  • Payment Solution Providers
  • Financial Services Organisations
  • MSME Accelerators
  • Regulatory Authorities

Why Should You Attend?

Financial Express Digital's SMEArtha will focus on the new trends that are changing the landscape of MSME lending. While banks are still the main source of MSME finance, they too are exploring innovative ways to lend to small businesses whether through invoice financing or co-lending models.

There are NBFCs and new-age financial technology firms too who are fast gaining share in the MSME lending ecosystem. The event will explore how they are enabling credit access on the back of alternative data sets.

A lot of it is happening due to the payment companies that are providing the technology interface enabling small businesses to maintain digital data enabling lenders to offer them online credit. Also, the introduction of UPI, GST, and the account aggregator framework is playing a pivotal role in accelerating financial inclusion for the sector.

SMEArtha will discuss the critical trends that are set to revolutionize the MSME sector and set them on a growth path.

Why To Partner?

  • A series of panel discussions on how to solve the problem of capital for MSMEs
  • Masterclass sessions to engage MSME community on the right credit opportunities for them
  • Collaboration with Industry body for survey on key challenges that remain for SMEs in accessing capital
  • Opportunity for brands to engage directly with SME community through ‘Ask the Expert’ session
  • High decibel amplification to reach out to maximum members of the MSME community

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