MSME Banking Desk is a specialized editorial research unit at GST Munshi comprising Chartered Accountants, tax litigators, commercial bankers, and policy analysts dedicated to verifying Indian statutory circulars (CBIC, CBDT, RBI, IRDAI, and Ministry Gazettes) into actionable guides.
Comprehensive review of India's top zero balance current accounts: IndusInd, ICICI, HDFC, RazorpayX, and Tide. Compare Monthly Average Balance (MAB) waivers, cash deposit limits, digital transaction charges, and required Udyam/GST documents.
Comprehensive guide to Pradhan Mantri Mudra Yojana (PMMY): Enhanced ₹20 Lakh Tarun Plus limits, Shishu (₹50K) & Kishore (₹5L) categories, collateral-free credit rules, interest rates, and Jan Samarth portal online application.
Comprehensive manual on the CGTMSE Credit Guarantee Scheme: How micro & small enterprises secure up to ₹5 Crore business loans without third-party collateral. Learn guarantee coverage ratios, Annual Guarantee Fees (AGF), and bank eligibility rules.
Comprehensive guide on Cash Credit (CC) vs Overdraft (OD) facilities in India: Understand hypothecation of stock vs property mortgage, Drawing Power (DP) calculation formulas, daily reducing balance interest computation, and stock statement compliance.
How to write a cancelled cheque in India: Step-by-step sample format, CTS-2010 rules, 10 key uses for KYC, PF & Demat, and essential safety tips to stop fraud.
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