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I have experienced that Bank authorities have genuine desire to help us.  However, Bank authorities do expect us to be transparent with them.  It is my experience–as SME consulant—that if we give our Bank all the information asked for —along with the required documents –, Banks do find a way out to help the clients.

Prior to starting on my own –as SME consultant–, I had worked in Bank of Maharashtra in managerial capacity at places like Solapur, Latur , Pune and Mumbai for a continuous period of 16 years & I also worked as Regional Manager at Kolhapur and Sangli. 

Since I have experience on both the sides of the fence, I know for sure—what Banks expect from SMEs and what SMEs expect from Bank.

One of the problems being faced by the SMEs is–difficulty in realizing their dues in time. Now, Insolvency and Bankruptcy Code 2016 comes to their rescue, if the bills are Rs.1 lac and more.  However, this is a double edged weapon.    

Through the medium of this website, I desire to achieve both the above objectives.

I am aware that there could be issues apart from generalized issue/s and hence I would be too glad to respond to any query and I be approached via mail on — tikotekar@outlook.com. 

My focus is also to give the SMEs a knowledge tool in the form of a website which gives news items on daily basis. The news items pertain mainly to SME sector apart from topics like Economy, GST, new Insolvency Law named IBC 2016. All you have to do is to click the ” category ” section on the right hand side.

It is to be emphasized here that no income of any kind is even remotely thought of.  

Final aim is to succeed in creating an ” enabling environment ” for the SMEs. I will succeed in this endeavor if you critically evaluate the website on a continuous basis and pass on the feedback  via email —tikotekar @outlook.com.

No blind reliance on the material published in this website is expected and any action at your end is to be initiated only after professional guidance is sought from your CA and Advocate as also bank authorities. 

Finally I cannot avoid quoting the Great Nelson Mandela:

‘Education is the most powerful weapon you can use to change the world’