Official website · India
MSME Banking | Business Finance | Credit Education
Making MSME banking and business finance easier to understand through practical insights, research and education.
About
Biswajit Deka is an MSME banking professional based in India with more than seven years of banking experience. His work has covered working capital finance, cash credit and overdraft facilities, term lending, loan against property, project finance and credit assessment.
On this website he explains how business finance actually works, in plain language, for owners of micro, small and medium enterprises, for the chartered accountants and advisers who work with them, and for anyone curious about enterprise in Northeast India.
This is an independent educational platform. It does not arrange loans, accept applications or represent any employer. Read the full biography.
Professional areas of interest
Working capital, cash credit, overdraft, term loans, CMA data, DSCR and how lenders assess an MSME file.
Plain-language explainers on CGTMSE, PMEGP, AIF, PMFME, TReDS and other schemes, each with official sources and a last-verified date.
Research and education on enterprise, industry and MSME development across the eight states of Northeast India.
Featured
Government Schemes
From 1 April 2026, banks must not take collateral on loans up to ₹20 lakh to micro and small enterprises. What changed, who it covers and what it does not do.
· 3 min read
MSME Banking
Cash credit and overdraft both revolve within a limit. How they differ in security, drawing power, purpose and monitoring, with a worked example.
· 3 min read
MSME Banking
Debt Service Coverage Ratio explained for MSME owners: the formula, a worked example, what lenders read into it and how to improve it before applying for a term loan.
· 2 min read
Latest research & explainers
Contact
For educational collaborations, research, speaking invitations or media enquiries. This site does not accept loan applications or provide individual financial advice.