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Ramesh Dharmaji
Senior advisor at the Global Alliance for Mass Entrepreneurship (GAME), working on MSME ecosystem development, access to finance and dispute-resolution initiatives.
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Dec 19, 2025
• 19min
MSMEs and the 7.3 Trillion Rupee Payment Problem
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Basant Kaur, Country Head of C2FO India and expert in early payment solutions, joins Ramesh Dharmaji, Senior Advisor at the Global Alliance for Mass Entrepreneurship, to tackle India's staggering 7.3 lakh crore rupee payment backlog for MSMEs. They discuss the flaws in the 45-day payment rule and why regulations are failing. Insightfully, they explore the role of banking in MSME credit expansion and advocate for incentivizing buyer behavior rather than penalties. The conversation wraps up with potential fixes to streamline dispute resolutions and improve TReDS participation.
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