MSMEs – Advantage India 
Solidifying India's Position on the Global Stage

MSME is the cornerstone of the Indian economy and an integral component to emerge as a $ 5 trillion economy by 2025. At present, there are over 633.9 lakh MSMEs in India. 324.9 lakh enterprises are in rural areas, and 309 lahks are in urban areas. Having said that, this sector plays a pivotal role in employment with a low capital requirement. MSMEs help in uplifting rural & less developed areas, regional imbalances & inequality reduction, and complement large industries & companies by providing necessary parts & components. In short, MSMEs are imperative for socio-economic development.

New-age technologies are spurring new business models—enabling small businesses to sell products online, connecting lenders with borrowers via a single platform, utilizing financial data to provide real-time insights, etc. More than that, helping MSMEs automate and generate intelligence to enhance productivity, grow, and thrive.

Going forward, GoI reform measures are fast-tracking the sector recovery and revival, boosting products made in India, and providing much-needed growth stimulus for MSMEs.


10:30 AM onwards
  • 10:30 AM – 10:40 AM

    Welcome Address

  • 10:40 AM – 11:20 AM

    Keynote: Unlocking Growth Paradigm in MSMEs

    As per the IBEF data, 54% of small business owners believe that digitization of daily chores has reduced their operational costs, and 51% say it has enhanced their competitive positioning. Not just this, India has also liberalized FDI policies and government schemes to uplift the MSMEs. The government has also announced economic relief package and an extended credit guarantee scheme for MSMEs to harness the full potential of tech deployments.

    However, is all of this taken together enough to take this sector to new heights? How are government reforms & initiatives aiding growth, employment generation, and promoting export? What is the role of government financial incentives and training in the MSME sector promotion?

  • 11:20 AM – 11:50 AM

    Panel Discussion: Microfinance Ecosystem Catalyst for 'India's Micro-Entrepreneurial Spirit

    India's story of microfinance is a tale of growth and inclusiveness impacting lives and livelihoods. Since coming into the spotlight in the early 1980s, microfinance today is instrumental in fostering financial inclusion by making credit available at the last mile and acting as a safety net for those at the bottom of the pyramid. When it comes to MSMEs, microfinance act as a lifeblood. It empowers micro-entrepreneurial ventures by providing easy access to credit and imparting entrepreneurship skills such as computer literacy, financial skills, and market strategies. 

    In short, MFI is building regular interaction and a high degree of personal touch with MSMEs by eliminating the vast digital divide. However, the ask is—how are the fortunes of microfinance and MSMEs closely interlinked? How is this bond a great leap forward? How is microfinance helping MSMEs in promoting micro-entrepreneurship and facilitating national policy achievement?

  • 11:50 AM – 12:20 PM

    Panel Discussion: RBI Recast Policy, Regulatory, and Legal Framework for Microfinance

    Over the last decade, microfinance has undeniably grown into a sizeable industry. It’s no more a dominant proposition. Today, it’s a bastion of banks, including SFBs. Against this backdrop and to protect customers, strengthen the sector and safeguard the primary objective of regulations within a well-calibrated and harmonized set-up, RBI recast framework for microfinance providers.

    The 5 core principles are— regulatory arbitrage addressing the introduction of a lender agnostic and activity-based regulation; protection of microfinance borrowers from over-indebtedness; competitive forces enablement to reduce the interest rates by increasing transparency measures; customer protection enhancement by strengthening them and extending them to all regulated entities; and flexibility facilitation to design products/services that comprehensively meet the needs of microfinance borrower. But the ask is— how will these regulatory reforms provide the impetus for long? More than that, how will it create a roadmap to an inclusive and responsible microfinance sector?

  • 12:20 PM – 12:35 PM

    Tea Break

  • 12:35 PM – 12:55 PM

    Special Address: Technology--A Key Enabler Building Competitiveness of MSMEs

    MSME is one of the integral arms of the Indian economy—contributing 30% to the GDP and accounting for 48% of annual exports. Tech solutions can potentially enrich the MSME business. If you look at the stats today, over 30% of MSMEs have their own business websites, and >50% have video conferencing tools to ensure business continuity. By 2024, digital adoption will enable SMEs to add US$ 158–216 billion to India’s GDP. Even India's tech start-up ecosystem is revolutionizing the entire business system by upskilling the young population with a technology skillset.

    There are over 7000+ tech start-ups, and the number is spiraling by 35-40% every year. This adoption/ uptake is acknowledged to accelerate MSME outreach to a broader customer base by accessing AI and ML, and digital marketing.

  • 12:55 PM – 1:25 PM

    Panel Discussion: India--A Manufacturing Powerhouse in the Making

    Buoyed by government initiative PLIs, fresh investments, and robust policy thrust, India's manufacturing sector is on the cusp of a structural shift. By 2027, India is projected to reach US $ 5 trillion and become the third most sought-after manufacturing destination on a global level. Elaborating more, PM Modi's goal is to make India a developed nation by 2047.

    To attain this, it's imperative to reset the manufacturing playbook with data lakes of information, cloud, and AI&ML. But the ask is— why is technology the quintessential mantra today to make India a globally competitive manufacturing hub?  How will AI, Cloud, data, and other technologies drive transformation from conventional manufacturing to digital?

  • 1:25 PM – 2:25 PM


  • 2:25 PM – 2:45 PM

    Fireside chat: Technology Reshaping Contours of India's Healthcare

    Tech is a powerhouse to change lives, businesses, and economies. Healthcare is no exception—delivering unprecedented impact on healthcare by building foundation blocks toward connected homes and the healthcare ecosystem. Making surgeries more precise and accurate with new advances in analytics, robotics, and scanning systems.  Making doctor-patient communication faster with platforms and apps.

    These developments will continue to evolve in the years to come enhancing convenience and accessibility.  But the ask is—what does the future of health tech look like, and how will digital technologies propel the healthcare industry and change people's lives in the new year?

  • 2:45 PM – 3:05 PM

    Special Address: A Taste of The Future: Tech Revolutionizing Food Processing

    Food is one industry that is expected to grow year-on-year, and embrace new technologies for the foreseeable future and optimize processes & production. Tech is helping the food processing industry to modernize and enhance competitiveness; enable integration of physical processes, computation, and networking in cyber-physical systems; and improve quality, efficiency, traceability & safety.

    But the ask is—as technology advances, how will food processing become more streamlined, automated, efficient, and sustainable? How will technology enablement like AI or robotics enable optimization, assist in rapid decision-making, and reduce mental & physical stress on workers? More than that, will cater to significant environmental, societal, and economic challenges?

  • 3:05 PM – 3:25 PM

    Fireside Chat: India's Foray into FinTech

    Innovation + technology has brought a radical shift in the traditional financial ecosystem, especially in budgetary installations and money processes. If you look at the stats today, India is the #3 largest finTech ecosystem in the world with 2100+ finTech companies. In 2021 alone, India witnessed an exponential surge in funding with total investments of over $8 billion. Globally, India has the greatest finTech adoption rate at 87%, whereas the world average at 64%.

    Having said that, as India takes a prominent position on the global finTech stage, the new milestone for India's FinTech market is to reach $150 billion by 2025. But, how will India plot the next FinTech revolution in India? How will technology enable banks financial services, and insurance companies to run, transform and grow at scale and speed?

  • 3:55 PM – 4:25 PM

    Panel Discussion: Empowering Rural Women Entrepreneurs - Adding Wings to MSMEs

    Women own 20% of MSMEs in India. Today women are gradually modifying the business and social landscape. Micro-credit schemes like MUDRA (Micro Units Development and Refinance Agency Ltd.) offer reliable financial services to MSMEs.

    Financial independence is the first step towards women's empowerment. So is a supportive funding plan for a business. The government of India is coming up with more women-centric funding plans and schemes. The aim is to increase income, improve livelihood, enhance financial access, and create more business opportunities for women. Will these new credit plans & schemes make them financially independent and help them start their business?

  • 4:25 PM – 5:00 PM


Guest of Honor


Sh. Narayan Tatu Rane

, Member Of Parliament (RAJYA SABHA) & Union Minister of MSME

Speakers 2023


Shri Vaidya Rajesh Kotecha

Secretary, Ministry of AYUSH

Anna Roy

Senior Adviser, NITI Aayog

Nikunj Oli

Unit Head, Private Sector Financial Institutions (South Asia), Asian Development Bank (ADB)

Anil Bhardwaj

Secretary General, Federation of Indian Micro and Small & Medium Enterprises (FISME)

Chetna Gala Sinha

Founder & Chairperson, Mann Deshi Bank

Dr. Alok Misra

CEO & Director, Microfinance Institutions Network (MFIN)

Devesh Sachdev

MD & CEO, Fusion Microfinance

Shilpa Mankar Ahluwalia

Partner, Shardul Amarchand Mangaldas & Co

Sh. S. Ramann

Chairman and Managing Director, SIDBI

Smt Mercy Epao

Joint Secretary, Ministry of MSME

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