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Subodh jin: Your assessment is true, can you suggest some suggestions too? Still banks are talking about MPF limit 50% collateral. MSME has suffered losses but can't show in balance sheets , otherwise bank will not provide enhanced credit limit. Nobody knows how to apply for restructuring. Banks are still applying same approach as before.

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Pramod PB: You pin pointed the real issues faced by SMEs.

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Niraj Jain: Agree with the insights, very useful and practical

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