• 9 Reasons Why 28% of MSME Loan Applications Get Rejected and How Can This Be Avoided 

    Nearly 28% of MSMEs in India experience loan rejections despite showing strong operational potential1. This challenge is compounded by the fact that around 85% of Indian MSMEs still operate outside the formal financial system. Together, these figures highlight a widening... View Article

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  • Mathakondapalli Model School

    Protium Becomes A Financial Partner For A School

    Overview Background of the School  Founded in 1999 by a collective of social workers under the Rural Institute for Community Education (RICE), Mathakondapalli Model School (MMS) was established with a singular, non-profit vision: to provide high-quality, non-rote education modeled after... View Article

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  • 5 Ways MSMEs Can Build Resilient Business Models Amid Global Uncertainty

    Approximately 80% of Indian MSMEs still face credit constraints, despite marginal improvements in formal finance access. Between 2020 and 2024, the share of micro and small enterprises accessing finance through scheduled banks rose slightly—from 14% to 20%, while medium enterprises... View Article

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  • MSMEs at the heart of Make in India 2.0, with ₹12.5 lakh crore in production & ₹4 lakh crore in exports 

    With ₹1.46 lakh crore in investments, the Make in India initiative has already generated an estimated ₹12.50 lakh crore in production, ₹4 lakh crore in exports, and created 9.5 lakh jobs by December 20241. Since its launch in 2014, India... View Article

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  • India’s Festive Economy 2025: GST 2.0 Fuels Demand Surge Across High-Growth Sectors 

    Retailers are expecting double-digit growth during 2025 festive season, with overall sales already rising from 3–4% in Q1 to 7% in Q2, showing higher customer spending across categories. GST 2.0 and tax reduction across 375 items have brought down prices... View Article

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  • 7 Reasons Why Top-Up Loans Are a Practical Solution During the ₹14 Lakh Crore Festive Season Rush 

    India’s festive season in 2025 is projected to drive record consumer spending between ₹12 lakh crore and ₹14 lakh crore, marking the strongest demand surge in three years. Retail, textiles, FMCG, food processing, logistics, and quick commerce are expected to... View Article

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