Sandeep Balaji

🚨 RBI’s New Co-Lending Directions, 2025 – Effective Jan 1, 2026 The Reserve Bank of India (RBI) has issued new Co-Lending Arrangements Directions, 2025, which will come into effect on January 1, 2026. These guidelines will likely broaden the scope of co-lending 1️⃣ Mandatory Skin in the Game – Each Regulated Entity (RE) must retain minimum 10% of every loan (no shadow partnerships) 2️⃣ Blended Interest Rate – Final rate to borrower = weighted average of each lender’s rate. All fees to be factored into APR & Key Facts Statement 3️⃣ 15-Day Transfer Rule – Partner RE must book its share within 15 days of disbursement. Else, loan stays with originator 4️⃣ Default Loss Guarantee Cap – Max 5% of outstanding loans allowed 5️⃣ Borrower-Level Asset Classification – If one lender marks SMA/NPA, the other must follow 6️⃣ Escrow Account Mandate – All transactions to flow through an escrow, ensuring clear fund appropriation 7️⃣ Full Disclosure – Public list of co-lending partners + detailed reporting in financials Bottom line: Clearer rules, stronger consumer protection, tighter operational discipline >> co-lending just got a lot more transparent. #RBI #CoLending #NBFC #Fintech #Credit https://lnkd.in/gKxrz_hC

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A founder who has spent 32 Years building IP-Owned Tech in India's Defense Sector. Ashok Atluri, Founder of Zen Technologies Limited shares a growth story bootstrapped from Hyderabad: -Revenue: ₹60 Cr (FY21) → ₹930 Cr(FY24) -Market cap: 40 Cr (2012-13) → 13000 Cr today -Growth: 400X in 12 years Takeaways from our conversation: 1. India historically imported 65–70% of its defense equipment. Today, defense exports have grown more than 30× over the past decade, with the private sector contributing around 60% of exports. Domestic defense production has increased to ₹1.27 lakh crore, a 174% rise since FY 2014–15. 2. For over two decades, Zen built advanced simulators but struggled to sell them in India because single-vendor bids weren’t accepted. The IDDM policy in 2015 gave preference to IP-owning Indian companies and allocated 75% of the capital acquisition budget to local sourcing. And decades of R&D became a real market worth ₹200 billion. 3. Defense tech startups in India have raised $184 million in VC funding since 2020. Zen’s journey shows that IP-owned Tech built with self-funded R&D can build the most defensible advantage, similar to how Apple captures value through IP rather than manufacturing. 4. Zen’s anti-drone systems were proven in field operations, leading to export inquiries from over 20 countries. This mirrors the broader trend of India’s defense exports growing from ₹1,940 crore (FY14) to ₹21,083 crore (FY24). Field-tested solutions build trust far faster than lab demos or pilot projects. 5. Government fundings are rewarding innovation over manufacturing. Programs like iDEX provide up to ₹10 crore for proven concepts, while DRDO offers ₹50 crore per system under the Technology Development Fund. This shift allows companies to reinvest profits into next-generation R&D. 6. Ashok believes that not all technologies should be patented. Highly secretive or complex innovations can be reverse-engineered if patented. Instead, patent what is obvious to outsiders to protect your competitive edge. 7. Build with a focused approach on Pareto technologies with maximum impact. Instead of chasing every opportunity, Zen concentrated on the 20% of technologies delivering 80% of results, anti-drone systems and simulators. Prioritizing high-leverage areas compounds impact effectively. 8. Time market entry around overlooked gaps: In 2018, drones were a hot topic, but there was little attention on anti-drone systems. Zen entered this gap and was ready when the need became urgent, from regional conflicts to domestic security. Opportunities often lie where others are silent. 9. Create policies around your innovation: Self-funded R&D firms face unique risks that conventional procurement rules often overlook. Zen advocated for new categories rather than adapting breakthrough technologies to unsuitable frameworks, ensuring their innovations could be evaluated on merit. Full Episode https://lnkd.in/gnAFEj3f

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What happens when you bring together three visionary founders redefining wellness and India’s digital future? You get an unfiltered, deeply inspiring conversation - and that’s exactly what we captured in the latest episode of The Corner Awfis Podcast.   I had the privilege of hosting three incredible entrepreneurs who are not just building businesses, but rewriting narratives: Revant Bhate – Co-Founder & CEO, Mosaic Wellness - Championing candid conversations around men’s health — from hair fall to hormones. Ravi Ramachandran – Founder, NUA - Breaking stigmas and reimagining women’s wellness with empathy and innovation. Kunal Bajaj– CEO & Co-founder, CloudExtel - Powering India’s digital infrastructure as a neutral host enabler.   What struck me most? Each of them started their journey by asking a powerful, simple question: “What is a real problem no one’s solving yet?”   The Common Thread They’re all bold entrepreneurs — and proud members of the Awfis ecosystem. In today’s world, the best founders don’t just build companies — they spark movements. These three are living proof. I'd love to hear from you — what’s one first principle you’ve questioned recently that shifted your thinking?   Catch the full episode here - https://lnkd.in/g_ZUSNwk #Entrepreneurship #DigitalIndia #AwfisCommunity #Leadership #TheCornerAwfis #StartupStories

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Based on the BharatNext Accelerator Investor Survey Analysis, here is a bullet point summary highlighting key investor preferences and event details: The data stems from the Investor Survey Analysis conducted by the #BharatNextAccelerator, India’s First District Startup Venture Studio Initiative, powered by Amrit Mehsana Startup & Innovation Mission. The analysis gathered 19 responses across various metrics. Investment Focus Areas: Sectors of Interest: The most preferred sector for investment is AI/ML & DeepTech (26.3%). The second most preferred sector is D2C / Consumer Products (21.1%). HealthTech & MedTech is also a significant area of interest (15.8%). Funding Preferences: Preferred Stage: Investors overwhelmingly favor startups in the Early Revenue stage, representing 78.9% of responses. The next preferred stage is Growth Stage (15.8%). Investment Ticket Size: There is a near-equal preference for two distinct ticket sizes: ₹50 Lakhs – ₹1 Crore (26.3%) and ₹3 Crores – ₹5 Crores (26.3%). Investment tickets of ₹1 Crore – ₹3 Crores are also highly sought after (21.1%). Interaction & Participation: Participation Format: A majority of investors prefer Physical Meeting / Demo Day (57.9%) over Online (One-to-one Startup Interaction) (42.1%). Investment Commitments on Demo Day: While a minority say 'No' (26.3%) to signing commitments on Demo Day, the vast majority (68.4%) are "Open to discussion" regarding signing investment commitments. Meeting Logistics: Preferred Time Slot: The most preferred time slot for interactions is the Afternoon (12 PM – 4 PM), accounting for 47.4% of responses. Preferred Duration: Most investors prefer a brief meeting duration of 30 Minutes (73.7%). Invitation to Upcoming Event: Join the #BharatNext Investment Pitching Festival on 09 Oct 2025. The event will be held at the Vibrant Gujarat Regional Conference, Mehsana, North Gujarat. Amrit Mehsana Startup & Innovation Mission #StartupMehsana #startupindia Sumeet Jarangal Abhishek Singh|Shradha Sharma|Milapsinh Jadeja|Sushil Sharma|Mihir Joshi|Jimish Kapadia|Mayuresh Raut|Amit Singal|Pranay Mathur|CA Swati Panchal|Amal P S|Jeffrey A. Stephens|Janne Rauramo|Chirag Patel|Sanni patel|Yamal Vyas|Dr.Panneerselvam ( PS ) Madanagopal|Jeet V.|Dr. Preet Deep Singh

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