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Startups under PSLs - Coggle Diagram
Startups under PSLs
MB
BP/GE/IS
Benefits
Under PSL
Agriculture, MSMEs, education, housing
social infrastructures among others
RBI
Startups
free up their equity
opened more funds for lending
raise low cost debt
Banks now see startups seriously
Positive development
venture debt model
improve segments operational efficiency
Challenges
Startups in PSL category
expected to add value
by reducing dependence
on equity capital
traditional lenders
find difficult to understand
capital dependency
of high-growth business
other decision by RBI
Agriculture
increase lending
small and marginal farmers
weaker sections
under PSL
increase the permissible
loan-to-value-ratio (LTV)
for loan against pledge
of gold ornaments
and jewellery
for non-agricultural purpose to 90%
Gold loans
prefered options for raise funds
in the current environment
offline retail payments
Scheme on pilot basis
use cards and mobile devices
encourage customers
go for digital transactions
in lack of internet connectivity
Payment System Operators (PSO)
RBI said to implement
Online Dispute Resolution (ODR)
a concomitant increase
in the number of disputes and grievances
as digital transactions
rise significantly
D/F CAP-TAW
FCCI survey
70% startups impacted by COVID
12% startups have shut operations
60% are operating with distruptions
Intro
CI
RBI startups
Under purview of Priority Sector Lending (PSL)
make it easier for startups
raise funds from banks