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Smart credit Bytes
Sangeeta Sharma
37 episodes
3 days ago
🎙️ Smart Credit Bytes Hosted by Sangeeta Sharma, this podcast simplifies MSME finance, credit analysis, and loan tips in short, actionable episodes. 🎧 New episodes every Monday & Thursday. Learn. Grow. Get credit-ready.
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Entrepreneurship
Business
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All content for Smart credit Bytes is the property of Sangeeta Sharma and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
🎙️ Smart Credit Bytes Hosted by Sangeeta Sharma, this podcast simplifies MSME finance, credit analysis, and loan tips in short, actionable episodes. 🎧 New episodes every Monday & Thursday. Learn. Grow. Get credit-ready.
Show more...
Entrepreneurship
Business
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Episode 15: The Hidden Cost of Loan Restructuring: What MSMEs Must Know
Smart credit Bytes
9 minutes 59 seconds
1 month ago
Episode 15: The Hidden Cost of Loan Restructuring: What MSMEs Must Know

The Hidden Cost of Loan Restructuring: What MSMEs Must Know

Loan restructuring may look like a lifeline — lower EMIs, extended tenures, temporary relief. But for banks, it’s a red flag. In this episode of Smart Credit Bytes, I unpack:

  • Why restructuring signals borrower stress
  • Short-term relief vs. long-term damage
  • How it impacts your CIBIL and conduct of account
  • The hidden domino effect on future borrowing capacity
  • Smart alternatives MSMEs should explore before restructuring

Whether you’re an MSME entrepreneur or a credit officer, this episode reveals the side of restructuring no one talks about.

🎧 Listen now and learn how to protect your creditworthiness for the future.

Smart credit Bytes
🎙️ Smart Credit Bytes Hosted by Sangeeta Sharma, this podcast simplifies MSME finance, credit analysis, and loan tips in short, actionable episodes. 🎧 New episodes every Monday & Thursday. Learn. Grow. Get credit-ready.