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The Hidden Cost of Loan Restructuring: What MSMEs Must Know

Loan restructuring may look like a lifeline — lower EMIs, extended tenures, temporary relief. But for banks, it’s a red flag. In this episode of Smart Credit Bytes, I unpack:

  • Why restructuring signals borrower stress
  • Short-term relief vs. long-term damage
  • How it impacts your CIBIL and conduct of account
  • The hidden domino effect on future borrowing capacity
  • Smart alternatives MSMEs should explore before restructuring

Whether you’re an MSME entrepreneur or a credit officer, this episode reveals the side of restructuring no one talks about.

🎧 Listen now and learn how to protect your creditworthiness for the future.

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28 episodes