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Understanding MSME Registration in India and Its Benefits 2026

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  By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India You Have Been Running Your Business for Years and Someone Just Asked for Your Udyam Number—Do You Have One Most small business owners in India fall into one of two groups. The first group registered on the Udyam portal, has their certificate downloaded, and uses that number every time they apply for a bank loan, government scheme, or tender. The second group is still running their business without MSME registration — either because they did not know it existed, assumed it was complicated, or thought it did not apply to them. If you are in the second group, this guide is written for you. MSME registration in India in 2026 is free, takes less than 30 minutes online, requires no physical documents, and opens up benefits that can genuinely change how your business accesses finance, wins government contracts, and handles disputes with large buyers who are not paying on time. Sharda Associates is a CA firm based in Bhopal, M...
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Udyogini Scheme—Benefits, Eligibility and How to Apply in

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  By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India You Have a Business Idea, You Have the Skills, But the Money Is Not There — Udyogini Scheme Was Made Exactly for This Situation Sharda Associates is a CA firm based in Bhopal, Madhya Pradesh, India. Our CA team prepares loan documentation for women entrepreneurs across India — and the conversation we have most often goes something like this. A woman calls us. She has been making pickles, or stitching clothes, or running a small food business from home for two or three years. She has customers. She has a product. What she does not have is formal credit, a business registration, or any idea that a government scheme exists that will give her a subsidised loan with almost no collateral to scale up what she is already doing. That scheme is Udyogini. And if you are a woman running or planning a small business in India, this guide will tell you everything you need to know about it — in plain language, without the jargon. We h...
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Location: India
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What Is EBITDA? Definition, Formula and Calculation

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  What Is EBITDA? Definition, Formula and Calculation Explained Simply By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India You Heard EBITDA in a Meeting or Loan Discussion and Nodded Along — But You Are Not Actually Sure What It Means EBITDA is one of those financial terms that is thrown around all the time in investor conversations, bank appraisal meetings and business valuations – and most business owners have a vague idea it’s something to do with profit, but aren’t quite sure what it actually measures or why it’s important for their specific situation. In this guide, we will break down EBITDA from scratch – what it means in simple terms, the two ways to calculate it, what the number actually tells you about a business, and where it matters in the context of Indian business finance, bank loans and valuation discussions. Sharda Associates is a CA firm in Bhopal, Madhya Pradesh, India. Our CA team deals with business financial statements on a day-to-day basis—preparing ...
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Location: India
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CMA Report Rejected by Bank — What to Do Next and How to Fix It

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By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India Your CMA report came back with a query letter, and you do not know what happens now. This is one of the most common calls our CA team receives. A business owner submitted their CMA report weeks ago; the bank finally responded, and instead of a sanction letter, there is a query letter listing problems they do not fully understand. DSCR below benchmark. Balance Sheet discrepancy. MPBF recalculation required. Historical figures not matching ITR. The first reaction is usually panic. Does this mean the loan is rejected entirely? Does the business have to start over? Will this affect future applications with the same bank? Here is what we tell every client in this situation. A CMA report return is not a final rejection. It is the bank's credit officer telling you exactly what is wrong with the document, which is actually useful information. Almost every returned CMA report can be corrected and resubmitted successfully, often...
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Location: India
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