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Overview

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

Chief Guest

Chief Guest

Ishita Ganguli Tripathy

Additional Development Commissioner

Office of DC-MSME, Ministry of Micro, Small & Medium Enterprises

Speakers

Anil Bhardwaj

Secretary General
Federation of Indian Micro and Small & Medium Enterprises (FISME)

Animesh Saxena

CEO, Neetee Apparel and Former President
Federation of Indian Micro and Small & Medium Enterprises (FISME)

Anubha Prasad

General Manager
Small Industries Development Bank of India (SIDBI)

Dhrubashish Bhattacharya

Head, MSME Business
Bank of Baroda

Jyoti Prakash Gadia

Managing Director
Resurgent India

Kailashkumar Varodia

Chief Financial Officer
Receivables Exchange of India Ltd (RXIL)

Manish Lunia

Co-founder
Flexiloans.com

Neha Gupta

Managing Director and Partner
Boston Consulting Group (Moderator)

Nirmit Ved

General Manager
Export-Import Bank of India (India Exim Bank)

Pooja Yadav

Chief Product Officer
Edelweiss General Insurance

Sangram Singh

President
Commercial Banking Coverage Group (CBG), Axis Bank

Sasikumar Adidamu

Chief Distribution Officer, Institutional Sales
Bajaj Allianz General Insurance

Shachindra Nath

Vice Chairman and Managing Director
U GRO Capital

Siddharth Mahanot

Co-founder and COO
Indifi Technologies

Tarun Mathur

Co-founder and Chief Business Officer, General Insurance
Policybazaar.com

Vikash Khandelwal

CEO
Eqaro Surety

Vikesh Agrawal

CEO and Founder
Ajva Fintech

Agenda

09:00 am - 10:00 am

Registration

10:00 am - 10:05 am

Welcome Note

Speaker:

  • Roshun Povaiah, Editor, Financial Express Digital
10:05 am - 10:25 am

Chief Guest

Speaker:

  • Ishita Ganguli Tripathy, Additional Development Commissioner, Office of DC-MSME, Ministry of Micro, Small & Medium Enterprises
10:25 am - 11:25 am

Panel Discussion

How Banks and NBFCs are innovating to lend to MSMEs?

Speakers:

  • Anubha Prasad, General Manager, Small Industries Development Bank of India (SIDBI)
  • Dhrubashish Bhattacharya, Head, MSME Business, Bank of Baroda
  • Nirmit Ved, General Manager, Export-Import Bank of India (Exim Bank)
  • Sangram Singh, President, Commercial Banking Coverage Group (CBG), Axis Bank
  • Shachindra Nath, Vice Chairman and Managing Director, U GRO Capital
  • Vikash Khandelwal, CEO, Eqaro Surety
  • Jyoti Prakash Gadia, Managing Director, Resurgent India (Moderator)
11:25 am - 12:30 pm

Masterclass

How can TReDS help MSMEs manage their cash flows?

Speaker:

  • Kailashkumar Varodia, Chief Financial Officer, Receivables Exchange of India Ltd (RXIL)
12:30 pm - 1:30 pm

Lunch

1:30 pm - 2:15 pm

Panel Discussion

Can fintechs help MSMEs with timely credit?

Speakers:

  • Manish Lunia, Co-founder, Flexiloans.com
  • Siddharth Mahanot, Co-founder and COO, Indifi Technologies
  • Vikesh Agrawal, CEO and Founder, Ajva Fintech
  • Anil Bhardwaj, Secretary General, Federation of Indian Micro and Small & Medium Enterprises (FISME)(Moderator)
2:15 pm - 3:00 pm

Panel Discussion

Increasing uptake of insurance by MSMEs

Speakers:

  • Animesh Saxena, CEO, Neetee Apparel and Former President, Federation of Indian Micro and Small & Medium Enterprises (FISME)
  • Sasikumar Adidamu, Chief Distribution Officer, Institutional Sales, Bajaj Allianz General Insurance
  • Raghuveer Malik, Senior Director, Head, Corporate & MSME insurance, Policybazaar.com
  • Pooja Yadav, Chief Product Officer, Edelweiss General Insurance
  • Neha Gupta, Managing Director and Partner, Boston Consulting Group (Moderator)
3:00 pm - 3:10 pm

Vote of Thanks

  • Sonal Khetarpal, Editor, SMEs, Financial Express Digital

Who Should Attend

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

Venue

Le Meridien, Windsor Pl

Connaught Place, New Delhi-110001

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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