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MSME contribute nearly 8% of the country’s GDP 45% of the manufacturing output & 40% of the exports. They provide the largest share of employment after agriculture. They are the nurseries for entrepreneurship & innovation.The major advantage of the sector is its employment potential at low capital cost.As per available statistics, this sector employs an estimated 6 crore persons spread over 2.6 crore enterprises and the labour intensity in the MSME sector is estimated to be almost 4 times higher than the large enterprises.Within Unmet finance gap of Rs 3 trillion arising from over 55 mn micro enterprises, this is a big opportunity. India’s future depends on the productivity & success of its massive youth population, most of who work in MSME sector.Banks & NBFC’s have stayed away from this opportunity as their conventional approach is unsuited to lending with informal documented income. This Unserved customer segment constitutes the “missing middle”.Assessing income of this unorganized sector is daunting task hence our team , led by seasoned professionals from finance industry, has developed an innovative & radically different approach based on detailed cash flow analysis at customer doorstep