Finance for Agricultural MSMEs in India

Alternative Perspectives

Sustainable agriculture practices should be investor friendly

Sustainable business development is now a priority for many F&B companies, especially global players. The food supply chain is responsible for around 20-30% of total greenhouse gas emissions. Food processing constitutes 25% of all water consumption worldwide. F&B industry is now focusing on limiting the use of chemical inputs like fertilisers, better management of irrigation and reduction of wastage across the entire value chain. They are focusing on more environment-friendly production methods like organic production and recycling and conservation of water. Some companies have chosen to work with programmes like Fairtrade to support this effort. Read More

Grassroot Initiatives

MSME Loans: Mahindra & Mahindra Financial Services Limited
Small businesses require funding at various stages while getting off the ground, managing operations, maintaining inventory, upgrading equipment, and even recovering from losses. When running a Small and Medium- sized Enterprise (SME), it is imperative to optimize available resources in the best possible way. Mahindra & Mahindra Financial Services Limited (MMFSL) is a subsidiary of Mahindra & Mahindra Ltd. To overcome the challenges and fulfill needs of running a business, they provide equipment finance to MSMEs in India. MMFSL-SME loans come with flexible repayment options. They understand the complexities attached to running a small business. As such, they offer flexible terms and conditions. They may allow an increase or decrease in EMI based on the financial condition of the company, and also allow bullet payments for periodic payment.
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Data and Trends

IN THE NEWS

'Investing in 'greening' of MSMEs should be of high priority for India to meet sustainability goals'

One major drawback MSMEs face is the implementation of energy efficiency norms owing to unfavourable economies of scale. They also have to tackle obsolete technology, disparities in skills, business capacities and financing, high regulatory burden, and limited low-cost funding. Read More

Hyderabad-based Caspian Debt adds nine new SMEs to its portfolio

Caspian Debt, a Hyderabad-based debt fund provider to startups and social enterprises, has disbursed loans ranging from Rs 50 lakh to Rs 5 crore and expanded its portfolio by adding nine new SMEs from sectors such as food and agriculture, education and skill development, clean energy, healthcare, and general impact sectors during April- October 2021.
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MSME, agri, retail lending sees a sharp rise in July

Credit to micro and small industries rose 7.9% in July 2021 as compared to a contraction of 1.8% a year ago. Lending patterns are slowly changing after the revival of economic activity as the lockdowns eased across states. Read More

DC Pulwama for Self-Reliant, Sustainable Agriculture & Horticulture Sector

Banks were directed to organise awareness programmes in higher secondary schools and colleges so that interesting candidates can avail education loans for further studies. Read More

EVENT

Trialogue- Fostering Favourable Ecosystems for Local Green Enterprises | 15 June 2021

On behalf of Vikalp Sangam, National Coalition for Natural Farming (NCNF), Kalpavriksh, Bhoomi College, and Development Alternatives came together to organize a dialogue series as part of World Localization Day. The second session as part of this series was in trialogue2047 format. The purpose of the session was to discuss and deliberate on possible ways to enable a supportive business ecosystem for Local Green Enterprises (LGEs) laying emphasis on the food system. Read More

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