• Protium’s LAP and MFL Can Help MSMEs In  Strengthen Infrastructure in India’s Smaller Cities 

    Tier-2 and Tier-3 cities account for more than 51% of India’s registered MSMEs1. However, the growth potential of these enterprises remains constrained. MSMEs in smaller cities operate at only around 18% of the productivity of large enterprises, far below the 45–70% range seen in... View Article

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  • 3% Subsidy on Export Credit: What the New Interest Subvention Scheme Signals for MSMEs

    The Government of India is preparing to introduce a revamped Interest Subvention Scheme that will offer a 3% interest subsidy for MSME exporters over the next five years. The initiative is designed to ease borrowing costs, improve liquidity, and support... View Article

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  • Educational Institution Loans: A Great Solution To Upgrade Infrastructure Gaps In India’s Tier-2 Schools And Colleges 

    India’s education sector has grown rapidly, with over 24.8 crore students enrolled in 14.72 lakh schools with 98 lakh teachers. The total number of Higher Education Institutions (HEIs) grew by 13.8%, rising from 51,534 in 2014–15 to 58,643 in 2022–23.1... View Article

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  • 9 Reasons Why 28% of MSME Loan Applications Get Rejected and How Can This Be Avoided 

    Nearly 28% of MSMEs in India experience loan rejections despite showing strong operational potential1. This challenge is compounded by the fact that around 85% of Indian MSMEs still operate outside the formal financial system. Together, these figures highlight a widening... View Article

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  • Mathakondapalli Model School

    Protium Becomes A Financial Partner For A School

    Overview Background of the School  Founded in 1999 by a collective of social workers under the Rural Institute for Community Education (RICE), Mathakondapalli Model School (MMS) was established with a singular, non-profit vision: to provide high-quality, non-rote education modeled after... View Article

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  • 5 Ways MSMEs Can Build Resilient Business Models Amid Global Uncertainty

    Approximately 80% of Indian MSMEs still face credit constraints, despite marginal improvements in formal finance access. Between 2020 and 2024, the share of micro and small enterprises accessing finance through scheduled banks rose slightly—from 14% to 20%, while medium enterprises... View Article

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