Zonal Seminar for Bhopal, Raipur and Nagpur – NAMCABS 3.

0 –
Panel Discussion: Innovative approaches to MSME lending – Sharing of Best
Practices – 1 hour

Introductory Round – (10 minutes) –

(I will request each one of you to speak for 2-3 minutes each) - Please give a
general opening, with a background of your MSME portfolio, supplemented with
Data - how many micro, small and medium loans, which sector out of these three is
the major borrower for your bank, NPAs in the portfolio and the challenges faced in
financing MSMEs. This may be an introduction before we start the panel discussion.
Round 1 (25 mins)
(I will request each one of you to speak for about 6-7 minutes each)
Panellist 1 – Sh. Bhagwan G Surshe - We all agree that customisation of
approaches is required for easing the constraints of smaller borrowers and MSMEs
in accordance with their unique needs. What is your experience in customising the
loan products for the MSME segment? If you could share a few examples from your
bank? How did you understand the need to customise and how has it benefitted the
bank and the customers?
Panellist 2 – Ms. Bindiya Jog - A wealth of data from various digital touchpoints is
available to us now which includes credit scores, IT and GST returns, utility bill
payments, social media interactions and other electronic transactions conducted by
the MSMEs / entrepreneurs. These can provide deep insights into the health and
performance of MSMEs. How have you leveraged AI/ML and sophisticated data
analytics for automated credit assessment of your MSME loans and risk assessment
of your msme portfolio?
Panellist – 3 - Dr Shyam Lal Sutar – How have you benefitted from the internal
rating models to assess the credit worthiness of your MSME Borrowers? How are
you using digital lending for your msme customers? Any special measures and best
practices adopted for protection of MSME customers?
Round 2 (15 min)
(I will request each one of you to speak for 5 minutes each. Here you can discuss in
general about your views and experiences regarding supply chain financing to
MSMEs)
Please share with us how your banks are using supply chain financing to finance
MSMEs. How do you think it has helped the bank overcome impediments in lending
to this sector?

Depending on the time left, the house will be open for questions for 5-10 minutes in
the end.