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Suraj Pratap Malik

An alumnus of Modern School, Amity University, and Cardiff University, the writer founded Infomerics Ratings, steering it from inception to industry recognition. With deep expertise in banking, finance, and regulatory frameworks, he blends entrepreneurial vision with social commitment, supporting education, CSR initiatives, and promoting golf, while shaping growth and innovation.

MSMEs need discipline, not doles
BySuraj Pratap Malik

MSMEs drive India’s economy, contributing 33% to GDP and 40% of exports, yet face a ₹25 trillion credit gap. Subsidies and guarantees offer temporary relief, but sustainable growth demands financial literacy, transparent documentation, and revived credit-rating systems to improve access to formal finance and strengthen competitiveness.

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