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Edition #8 · March 2026
Dear Inner Circle,
The number that nobody in MSME policy circles is talking about: Indian small businesses lost an estimated ₹20,000 crore to cybercrime in 2025. Not listed companies. Not banks. MSMEs — the backbone of our economy — being systematically looted through phishing, ransomware, and invoice fraud.
"The biggest threat to your MSME in 2026 is not competition, not credit, and not compliance. It is a 19-year-old hacker in another country with a ₹500 tool."
— Dr. Dibyendu ChoudhuryThe three things you must do this week: Enable two-factor authentication on every bank and GST portal account. Never pay any invoice that arrives by email without a phone confirmation. Back up your data — offline, not just on the cloud.
Read the Full Cyber Security Guide →Ram's exile was not a punishment. It was a preparation. Fourteen years in the forest, with a wife and a loyal brother, facing asuras and allies, building relationships and crossing oceans — this was not suffering. It was the making of a king who could rule justly.
The leadership lesson I have returned to repeatedly in my consulting work: the greatest leaders I have met all had a "forest period" — years of obscurity, difficulty, or exile before their moment of leadership arrived. The forest is not failure. It is formation.
Read More on the Blog →Retd. Govt. Employee (MoMSME) · Author · MSME Policy Expert · Vedic Scholar
Until next fortnight — keep thinking, keep building.
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