Biswajitdeka.msme

13/04/2026

25% cash transactions. CA ne kaha sab theek. Bank ne reject kiya.
Ek Income Tax rule — jo directly loan reject karta hai.
90% MSME owners check nahi karte.
Mumbai se Shillong - yeh rule har jagah apply hota hai.
Kyunki bank nahi batayega.
Comment 'AUDIT' for 60-second check.
CA aur accountant friends - yeh ek critical check hai before any client applies for loan. 44AB compliance verify karo pehle.

08/04/2026

Part 2 of 2. Exactly how the gap was explained.
Cash customers → cash collected → directly spent → never deposited. ITR mein sahi tha.
Sirf banking trail nahi tha 15 lakh ka.
Working note: → 1.5 crore credits strip kiye. Self-transfers. Interbank. Loans. GST. → Net
business banking: 85 lakh. → 15 lakh cash: documented. Rent. Salary. Expenses. → 85 + 15
= 1 crore. ITR match.
Same bank. 35 lakh. 3 weeks.
Ek habit — cash pehle bank mein, phir expenses. Agle loan mein zero gap.
Kyunki file khud nahi bolti — koi bolwana padta hai.
Comment ‘REJECT’ — exact working note format bhejta hoon.
CA aur accountant friends — yeh format save karo. Cash-heavy clients ki har file mein kaam
aayega.

06/04/2026

8 saal. 1 crore ka turnover. Rejected. Doosri baar.
Maine teen numbers nikale.
ITR-3 declared turnover: 1 crore.
Bank gross credits: 1.5 crore — lekin woh turnover nahi tha.
Net business banking: 85 lakh.
15 lakh — bank mein dikhta hi nahi tha.
Credit manager ka sawaal: “Yeh 15 lakh kahan hai?”
File mein jawab nahi tha. Isliye reject.
Kyunki file khud nahi bolti — koi bolwana padta hai.

03/04/2026

Har jagah loan apply karna smart nahi hota. Yeh aapko risky borrower bana deta hai

01/04/2026

Lowest interest loan is not always cheapest loan.

Processing fee.
Insurance.
Hidden penalties.

Smart borrowers negotiate structure — not just rate.

Total funding cost matters.

30/03/2026

Loan sanction ho gaya matlab paisa mil gaya — yeh sabse bada myth hai.

30/03/2026

Tumhara CA tumhara loan approve
nahi kara sakta. Woh sirf file
banata hai.

Yeh gap NE India ke businesses
ko crores cost karta hai. 💼

27/03/2026

CC account ko full use karna smart lagta hai… par bank ke liye yeh pressure signal hota hai.

06/11/2022

"If you wish to know the divine, feel the wind on your face and the warm sun on your hand.”- Buddha

Photographer

25/07/2022

Balcony view