Mudra Loan 2026: Shishu, Kishor, Tarun and Tarun Plus Explained
Mudra loan 2026 guide: the four categories up to ₹20 lakh, eligibility, interest, documents, how to apply through banks or JanSamarth, and Mudra vs PMEGP.
Archana
Archana is the founder and author of BadaBanker, an independent banking education site for Indian savers, borrowers and small-business owners. Read more on the About page.
Cash Credit vs Overdraft: Differences, Interest, Drawing Power and Which to Choose
Cash credit vs overdraft is the most common choice a business faces when it asks a bank for working capital. Both let you withdraw money…
PMEGP Loan 2026: Subsidy up to 35%, Eligibility, Project Report and How to Apply
A PMEGP loan is a bank loan for a new micro enterprise that comes with a government subsidy of 15% to 35% of the project…
Gujarat MSME Scheme 2026: 7% Interest Subsidy, Capital Subsidy and How to Claim
The Gujarat MSME scheme 2026 gives manufacturing MSMEs a 7% interest subsidy on bank term loans for five years, a capital subsidy of 25% to…
RBI Rule from 16 October 2026: Daily CRR at 99% Explained — Will Your EMI Rise?
RBI has raised the daily minimum CRR maintenance from 90% to 99% from 16 October 2026. The CRR rate stays at 3%. What it means for your EMI and deposits, with an example.
Bank Jobs in India: How Recruitment Works and Where to Apply
Explore the latest bank job opportunities in India for 2026. Get insights into upcoming vacancies at SBI, IBPS, RBI, and top private banks, along with preparation tips for your banking career.
Stock Statement Format for Bank and Drawing Power Calculation (2026)
Stock statement format for a bank, how drawing power on a CC limit is calculated, a worked example, and the RBI rules that can turn a late statement into an NPA.
UPI MDR from 15 October 2026: Who Pays the 0.4% Charge and Who Doesn’t
From 15 October 2026, merchants pay a 0.4% UPI MDR on some payments above ₹2,000, capped at ₹300. Customers pay nothing. Rates, examples and what small shops should do.
Project Report for Bank Loan: Format, Contents and Worked Example (2026)
The project report format banks expect for MSME term loans: the ten sections, a worked example of project cost, means of finance and break-even, and the mistakes that send reports back.
DSCR Ratio for Bank Loan: Formula, Ideal Ratio and Worked Example (2026)
How banks calculate the DSCR ratio for term loans, what average and minimum DSCR they look for, a year-by-year worked example, and honest ways to improve your DSCR.