10 Credit Officer Mistakes to Avoid | Risk Management Guide
Yesterday evening while I was playing with my kid, I received a call. This was Amrita (Name Changed), my Inner Smart Credit Circle Member. She was very upset she got…
When Banks Ask You to Stake Your Home: The Personal Guarantee Dilemma
The Signature That Changed Everything I still remember one of my client he had applied for CC limit of Rs 200 Lakhs to fulfill some big orders which he got…
The Payment Delay Crisis Hitting MSMEs in Q4 2025-26
The Silent Profit Killer Last week, I spoke with a manufacturing MSME owner in Hardoi, Uttar Pradesh India. Their revenue was up by 22% year-over-year and Orders were flooding in.…
10 Books That Can Change Your Financial Life in 2026 (Handpicked by a Credit Expert)
As new year is approaching each one of us want to grow. So if you are looking to improve your money mindset, business decisions, and financial confidence in 2026? Here…
Smart Debt vs. Bad Debt: How Women Can Distinguish Good Loans from a Debt Trap
There is a special kind of silence that comes with debt: The silence when the salary comes and disappears in EMIs. The silence when someone calls from an unknown number…
The Price Women Pay for Sacrificing Their Dreams and How to Restart Even After 30, 35 or 40
The Woman She Became vs. the Woman She Once Dreamed of Becoming Every woman carries two versions of herself inside i.e. the one she became, and the one she once…
What Every Woman Should Know About Money: On Debt, Saving, and Investing
By Sangeeta Sharma | Smart Credit HER Edition The Conversation We Were Never Taught to Have Most of us grew up watching our mothers stretch a single note into a…
Why Women Are Born for Finance– The Untold Truth Behind Every Home CFO
For centuries, women have been the heartbeat of every household economy making a thousand micro-decisions that keep the home running. Yet, in society’s eyes, “finance” remains a man’s domain. It's…
Why Financial Literacy Is the New Self-Care?
Because nothing feels lighter than a financially peaceful mind. The Hidden Truth About Peace and Money When people talk about self-care, they often mean spa days, journaling, or taking a…
Beyond Tax: How GST Data Can Transform the Future of MSMEs?
When GST first arrived, most business owners saw it as yet another burden like a rule to follow, a form to file, a fine to avoid. But inside these returns…