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Edition #4 · January 2026
Dear Inner Circle,
Every year I compile a complete guide to MSME schemes and loans for the Inner Circle. This is the 2026 edition — updated to reflect the Budget announcements, RBI circulars, and ministry guidelines issued in the past 12 months.
The schemes that matter most: CGTMSE (now covering up to ₹5 crore without collateral for manufacturing units), MUDRA (Tarun+ category up to ₹20 lakh), PM Vishwakarma (18 new crafts added), TReDS (now mandatory for CPSEs), and the new SME Growth Fund (₹10,000 crore equity pool via SIDBI).
"The average MSME owner is eligible for 4–7 government schemes simultaneously. Most claim zero. The gap is information, not eligibility."
— Dr. Dibyendu ChoudhuryThe Patal Lok of Hindu cosmology is not the underworld of Western imagination. It is not a place of punishment. It is a parallel civilisation — seven distinct realms beneath the earth's surface, each with its own rulers, inhabitants, and cosmological laws.
My Patal Lok series makes this extraordinary cosmological tradition accessible to modern Indian readers. Two books published, a third in progress. Each book enters a different layer of Patal Lok and follows the humans who cross the boundary.
Read the Patal Lok Guide →Retd. Govt. Employee (MoMSME) · Author · MSME Policy Expert · Vedic Scholar
Until next fortnight — keep thinking, keep building.
Each edition I highlight titles from my catalogue that connect with the themes we have explored. Pick the one whose cover unsettles you most.
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