Himachal Pradesh proposes a renewed push for the state’s start-up sector—the MSMEs, crucial to its sustainable and diversified hill economy, beyond the traditional reliance on tourism and large industries.
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India’s MSMEs end 2025 under sustained pressure as US tariffs, delayed payments and tight credit erode cash flows and limit growth
While India may have plenty of AI solutions for large businesses, MSMEs need a more desi version which differs from the needs of larger firms.
India’s MSME ecosystem has unique features that call for a customised approach. There is a growing consensus that India must develop its own basic AI model to address local challenges and opportunities.
The Production Linked Incentive (PLI) scheme is central to this mission. Introduced in 2020 to transform India’s manufacturing sector, its targeted financial initiatives directly align with the goals of a self-reliant nation.
The road to sustainability requires a shift in mindset. While financial considerations remain paramount, MSMEs must recognize that sustainable practices drive business growth, enhance brand reputation, and ensure regulatory compliance.
The RBI’s draft guidelines propose removing prepayment penalties on floating-rate loans for retail and MSME borrowers, offering more flexibility to switch lenders or prepay without penalties, currently at 4-5% for personal loans.
In the UP State Focus Paper prepared by Nabard, the state is projected to have a consolidated credit potential of ₹7.69 trillion in FY26 across priority sectors
The government plans fiscal incentives and a ₹15,000 crore green scheme to help MSMEs decarbonize through emission targets, green fuels, energy efficiency, and technological adoption, aligning with India’s 2070 net-zero goal.
This pan-India survey with a sample size of about 1200 MSMEs also reported an improvement in business performance during the quarter ending in December.
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The Foundation for MSME Clusters (FMC) specializes in promotion of MSMEs through cluster..
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