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Indian Finance Ministry Discussed Small Businesses Loan Issue with RBI

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New Delhi – On Monday, the Finance Minister of India, Arun Jaitley, addressed the board of directors of the Reserve Bank of India. In this addressal, 3 major points were discussed. The issue of dividend, Prompt Corrective Action (PCA), as well as the easing of SME loan norms were taken up during this time.

This was the first meeting that took place after Interim budget was released.

The government is in favor of alignment of capital norms with Basel III. Currently, the RBI is applying stricter norms on the banks, instead of aligning with lenient Basel III framework. The Indian banks have to maintain 5.5% of Common Equity Tier 1. This is against the 4.5% under Basel III. This has led banks to set aside more capital for loans. That means additional capital is required, which further restricts the lending potential and income generation.

As per the resources, if RBI relaxes the norms the Indian banks have to follow, lending of around Rs. 6 lakh crore can be achieved, without requiring additional provisions. These days, even alternative sources of loans have also come up. For example, in the UK, Elogbook loan online systems provide instant loan approvals without going through the traditional banking route.

Regarding the PCA norms, currently the banks which are having negative return on assets for 2-4 continuous years, are included under PCA framework. Under this, the recapitalization of banks take place if they meet certain criteria.

In case of interim dividend, the Finance ministry wants RBI to formally commit for Rs. 28,000 Crore in addition to Rs. 40,000 Crore already paid.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Business

Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

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There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.

Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.

The Habits That Build Momentum

At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.

First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.

Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.

Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.

Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.

Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all. 

Turning Habits into Infrastructure

What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.

Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.

Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.

Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”

Avoiding the Common Traps

Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.

Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.

Scaling Through Self-Replication

In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.

Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.

In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.

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